New York Post-SR22 Auto Insurance & Rate Recovery
New York requires 25/50/10 liability coverage and is a no-fault state.
Compare Rates 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 typically mandates SR-22 filing for DUI convictions, at-fault accidents while uninsured, driving without insurance, and license suspensions for accumulating 11+ points. The SR-22 filing requirement usually lasts 3 years from the date of filing, and any lapse in coverage during this period restarts the clock.
Liability Insurance
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
Full Coverage
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
- Violation type — DUI convictions carry longer surcharge periods (5+ years) than lapses or minor suspensions (3-4 years)
- Credit-based insurance score — New York allows insurers to use credit in underwriting, and post-SR22 drivers with improved credit see faster rate reductions
Shop Again Now That Your Filing Has Ended
Compare Rates 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 bodily injury and property damage you cause to others. New York's 25/50/10 minimum is often insufficient for post-SR22 drivers, as a serious at-fault accident can trigger another multi-year surcharge just as you're exiting rate recovery.
Full Coverage
Combines liability, comprehensive, and collision coverage. Post-SR22 drivers with financed vehicles typically pay $280–$480/mo in New York, declining to $160–$280/mo after 2-3 clean years.
SR-22 Insurance
SR-22 is not a separate policy but a filing your insurer submits to the New York DMV proving you carry the state's minimum required coverage. The filing itself costs $15–$35, but the underlying violation raises premiums significantly.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk and post-SR22 profiles and often offer rates 20-40% lower than standard carriers immediately after your filing requirement ends.
Uninsured Motorist Coverage
Protects you if you're hit by a driver without insurance. New York requires uninsured motorist bodily injury coverage matching your liability limits.
Comprehensive Coverage
Covers non-collision damage to your vehicle—theft, vandalism, weather, animals. Post-SR22 drivers pay 30-50% more than standard profiles for the first 1-2 years after filing ends.