New York SR-22 & High-Risk Auto Insurance
New York requires 25/50/10 liability coverage and is a no-fault state.
Find Carriers That Accept PointsNew York at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New York
The state does not use SR-22 certificates — instead, insurers report coverage electronically to the New York Department of Motor Vehicles, and drivers must maintain continuous coverage to avoid license suspension. High-risk drivers face mandatory insurance verification after DUI convictions, at-fault accidents while uninsured, and accumulating 11 points in 18 months. New York also requires uninsured motorist coverage at the same limits as liability, which cannot be rejected without a signed waiver.
Liability Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Personal Injury Protection (PIP)
What Drivers Pay in New York
$251–$282/mo
Typical monthly rate in New York, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. New York's 25/50/10 minimum is often insufficient — a serious accident can result in judgments exceeding $100,000, leading to wage garnishment and extended suspension.
Full Coverage
Combines liability, comprehensive, and collision to protect both your legal exposure and your vehicle. Required by lenders and essential for high-risk drivers with financed vehicles to avoid forced-placed insurance.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, suspensions, or multiple violations. Non-standard carriers in New York often provide the only option after a major violation and include reinstatement assistance.
Uninsured Motorist Coverage
Protects you if hit by an uninsured or underinsured driver. Mandatory in New York at the same limits as your liability unless rejected in writing, and critical in areas with high uninsured driver rates.
Personal Injury Protection (PIP)
Covers medical expenses, lost wages, and other costs for you and your passengers regardless of fault. Mandatory in New York at $50,000 minimum due to no-fault laws.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident. Required by lenders and essential for high-risk drivers who cannot afford to replace a totaled vehicle out-of-pocket.