New York Suspended License Insurance & Reinstatement
New York requires 25/50/10 liability coverage and is a no-fault state.
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New 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
State Requirements
New York operates under a traditional tort liability system and requires all registered vehicle owners to maintain continuous proof of insurance. The state uses form FS-1 for financial responsibility certification—not SR-22, though they serve the same function. The New York DMV electronically verifies insurance status with carriers, and any lapse triggers automatic suspension.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
FS-1 Financial Responsibility Filing
Cost Overview
$394–$432/mo
Typical monthly rate in New York, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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
Frequently Asked Questions
What is FS-1 filing and when is it required in New York?
FS-1 is New York's electronic financial responsibility certificate filed by your insurer directly with the DMV—it's functionally identical to SR-22 used in other states. The DMV requires FS-1 for DWI/DUI convictions, chemical test refusals, accumulating 12+ points in 12 months, three speeding violations in 18 months, multiple at-fault accidents, and driving without insurance. Typical filing periods are three years for alcohol offenses, one to three years for other violations, and any lapse during this period immediately re-suspends your license and restarts the clock.
Coverage Types
FS-1 Financial Responsibility Filing
New York's electronic proof-of-insurance filing submitted by your carrier directly to the DMV, required for DUI, major violations, and insurance lapses. Your insurer reports coverage start and any lapses—termination during the filing period re-suspends your license immediately and restarts the required filing duration.
Non-Owner FS-1 Insurance
Liability-only policy for suspended drivers who don't own a vehicle but must maintain FS-1 filing for reinstatement. Covers you when driving borrowed or rental vehicles and satisfies DMV requirements at 30–45% lower cost than standard policies.
High-Risk Liability Insurance
Specialized coverage for drivers classified as high-risk due to DUI, multiple violations, or prior suspension. Provides New York's mandatory minimums through non-standard carriers or the state's assigned risk pool when standard insurers decline coverage.
Personal Injury Protection
Mandatory no-fault coverage paying up to $50,000 for your medical bills, lost wages, and other economic losses regardless of fault. New York requires this on every policy and it cannot be waived or reduced below the statutory minimum.
Uninsured Motorist Coverage
Covers your injuries and damages when an at-fault driver has no insurance or insufficient limits. New York insurers must offer this at the same limits as your liability coverage, and you must reject it in writing to decline.
Collision and Comprehensive
Collision pays for damage to your vehicle in an accident regardless of fault; comprehensive covers theft, vandalism, weather, and animal strikes. Both require deductibles of $500–$2,000 and are mandatory if you finance or lease your vehicle.