Updated March 2026
State Requirements
New York requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. Drivers with DWI convictions, serious violations, or license suspensions must file an FS-1 certificate (proof of insurance) or FR-44 for certain alcohol offenses. New York operates on a point system where accumulating 11 points in 18 months triggers automatic license suspension. Points from violations remain on your driving record for 18 months and affect insurance rates for 3–5 years depending on the carrier.
Cost Overview
High-risk auto insurance in New York averages $2,800–$5,200 annually depending on violation type, location, and carrier. Drivers with a DWI conviction face the highest premiums, often 3–4 times higher than clean-record rates. Points violations like speeding or at-fault accidents typically increase rates by 20–40% for 3–5 years, with the steepest increases in the first year after the violation.
What Affects Your Rate
- Violation type: DWI convictions carry the highest surcharges, often 200–300% above base rates, while single speeding tickets may increase rates 20–30%
- Points on license: New York's 11-point suspension threshold makes carriers especially sensitive to drivers with 6+ points already accumulated
- Location: Brooklyn and Bronx ZIP codes see rates 30–50% higher than upstate counties due to claim frequency and uninsured motorist rates
- Age and experience: Drivers under 25 with violations face compounded surcharges, often paying $6,000+ annually
- Coverage level: Adding collision and comprehensive to a high-risk policy can increase premiums 40–60% over liability-only
- Carrier type: Non-standard carriers and NYAIP (assigned risk pool) charge significantly more than standard carriers willing to write moderately risky drivers
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. New York requires 25/50/10 minimums, but high-risk drivers should consider 100/300/100 to avoid personal liability in serious accidents.
Full Coverage
Combines liability, collision, comprehensive, PIP, and uninsured motorist coverage. Protects your vehicle and yourself in most scenarios, required by lenders if you have a car loan.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if you're hit by a driver without insurance. Required in New York at the same limits as your liability coverage unless you reject it in writing.
SR-22 / FS-1 / FR-44 Insurance
Proof-of-insurance certificate filed with the DMV after DWI, suspensions, or serious violations. New York uses FS-1 or FR-44 filings instead of SR-22.
Non-Standard Auto Insurance
Policies for drivers who don't qualify for standard coverage due to violations, accidents, lapses, or points. Non-standard carriers specialize in higher-risk profiles.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or collision with an object. Required by lenders but optional if you own your car outright.
