Seat-Belt Laws in New York

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New York requires the driver and all passengers to wear seat-belts. Drivers are responsible for any passengers under the age of 16, whereas passengers over the age of 16 are responsible for themselves.
Whether you’re a passenger or a driver, make sure you understand how seat-belt laws in New York work. To help out, car insurance and brokerage app, Jerry, has compiled the following guide to these laws for easy reference.
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What are the seat-belt laws in New York?

In New York, the driver and all passengers must wear seat-belts, regardless of their age or position in the car.
Drivers are accountable for any passengers under the age of 16 who violate this law, while passengers over the age of 16 are accountable for themselves.
Key Takeaway Drivers are responsible for passengers under the age of 16.

What happens if you break the seat-belt laws in New York?

Drivers who are found to have passengers younger than the age of 16 in their car who are not wearing seat-belts will be fined between $25 to $100 and will receive three points on their driver’s license.
Passengers over the age of 16 who violate the law will be fined up to $50.

Could it impact my driving record?

Yes. Both the citation and the three points assessed against your license will have a negative impact on your driving record. Accumulating a certain number of points can have dire consequences, including suspension of your license.

Could it impact my insurance?

Possibly. Insurance carriers use your driving record to assess what is known as your risk level. High-risk drivers ultimately pay more for their insurance than those who are low-risk.
Having points and citations on your record signals to insurance carriers that you are a high-risk driver. Your rates may go up as a result.
Key Takeaway Having citations and points on your driving record will, in all likelihood, increase your insurance rates.
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Finding cheap car insurance in New York

But having points and citations on your record doesn’t mean you’ll never be able to find cheap car insurance. Jerry is still on your side!
Jerry is a fully-licensed brokerage app that works hard so you don’t have to, finding the best rates from dozens of carriers. Just provide Jerry with a few basic details, give it some time to work its magic, and before you know it, you’ll be saving hundreds per year on your insurance.
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