New York DUI and Traffic Violation Insurance Guide
New York requires 25/50/10 liability coverage and is a no-fault state.
Find Coverage for My SituationNew 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
After a DUI conviction, license suspension, or serious violation in New York, your current insurance carrier will likely send a non-renewal notice rather than immediately canceling your policy—giving you until your policy expires to find replacement coverage. If your license was suspended, the New York DMV typically requires proof of financial responsibility before reinstatement. Most violations don't automatically trigger an SR-22 requirement in New York, but your insurer will reclassify you as a high-risk driver, and standard carriers may refuse to renew your policy.
SR-22 Certificate
Non-Standard Auto Insurance
High-Risk Auto Insurance
Liability Insurance
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
What Affects Your Rate
- Violation type—DUI, reckless driving, and suspension carry higher surcharges than speeding tickets
- Time since violation—rates decrease annually as the violation ages
- Prior driving record—a clean history before the violation results in smaller increases
- Location in New York—urban areas like New York City and Buffalo see higher high-risk premiums than rural counties
- Carrier—non-standard specialists often offer lower rates than standard carriers' high-risk tiers
- Coverage level—dropping collision and comprehensive significantly reduces cost if your vehicle is paid off
Get Back to a Fair Rate After a Violation
Find Coverage for My SituationCoverage Types
High-Risk Auto Insurance
Coverage designed for drivers with DUIs, suspensions, or serious violations. Rates are higher, but policies are structured to meet legal requirements and keep you on the road.
Non-Standard Auto Insurance
Policies from carriers that specialize in high-risk drivers. These insurers accept violations and lapses that cause standard carriers to non-renew.
SR-22 Insurance
Not a separate policy—SR-22 is a filing your insurer submits to prove you carry required coverage. You need a carrier that offers SR-22 filing and a policy that meets the minimum limits.
Liability Insurance
The minimum coverage required by law, covering injuries and property damage you cause to others. Even after a violation, maintaining continuous liability coverage is legally required.