New York SR-22 Insurance After DUI or Suspension
New York requires 25/50/10 liability coverage and is a no-fault state.
Find Affordable Coverage After SR-22New 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
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New York
The New York Department of Motor Vehicles mandates SR-22 certificates of financial responsibility for DUI convictions, multiple violations within 18 months, at-fault accidents without insurance, and suspensions due to failure to pay judgments. Non-standard carriers may require higher minimums to write SR-22 policies, and many insurers recommend at least 100/300/100 limits to avoid out-of-pocket exposure during the high-risk period.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
SR-22 Certificate of Financial Responsibility
What Drivers Pay in New York
$394–$432/mo
Typical monthly rate in New York, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Carrier availability: Only 15–20 non-standard carriers actively write SR-22 in New York, limiting competition and increasing costs
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Conditional License (alcohol/drug, via IDP) and Restricted Use License (non-alcohol/drug)
application fee $75.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Non-standard carriers writing SR-22 policies often require limits higher than New York's 25/50/10 minimum to offset their risk exposure.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage. Required for financed or leased vehicles and recommended for drivers with vehicle equity during SR-22 periods.
Comprehensive Coverage
Covers theft, vandalism, weather, fire, and animal strikes. Not legally required but protects your ability to maintain transportation if your vehicle is damaged or stolen during the SR-22 period.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. New York requires insurers to offer UM/UIM matching your liability limits unless you decline in writing.
SR-22 Insurance
SR-22 is a certificate filed by your insurer proving continuous liability coverage to the New York DMV. Required for DUI, multiple violations, at-fault accidents without insurance, and license suspensions.
Non-Standard Auto Insurance
Coverage for drivers with violations, suspensions, or SR-22 requirements. Non-standard carriers specialize in high-risk profiles and file SR-22 certificates directly with the DMV.