SR-22 in New York: What You Need to Know
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- SR-22 coverage
- Who needs one?
- Moving to a state requiring an SR-22
- License suspension and NY insurance
- Cheap car insurance
In New York, every driver must meet the state’s minimum liability insurance requirements, but an SR-22 form, or proof of insurance, is not needed after being convicted of a serious driving violation. That being said, it might be difficult to find an insurer to cover you, and you’ll pay higher insurance premiums as well.
Even if you’ve been deemed a high-risk driver, that doesn’t mean you’ll never be able to find a good deal on car insurance—in fact, finding a great insurance policy at an affordable price is easier than ever.
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Continue reading on to learn more about SR-22 in New York.
SR-22 coverage in New York
New York is one of six states in the US that does not require an SR-22 form to reinstate your driver’s license after it’s been suspended or revoked due to a serious traffic violation**. However, if you move from a state where you were required to carry SR-22 coverage, you’ll need to continue to hold that coverage after moving to New York until your probationary term is over.
You’ll need to pay a $50 reinstatement fee in New York to get your license back after a major traffic violation, though this fee rises to $100 if your suspension involved alcohol.
Even if an SR-22 form is not required in New York, all drivers are required to carry liability coverage. The state’s mandated minimum insurance requirements are as follows:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $10,000 for property damage coverage per accident
Drivers that don’t meet New York’s mandated liability requirements can face severe fines and penalties, including having their license revoked.
Key Takeaway In New York, you’ll have to pay between $50 to $100 in reinstatement fees to get your driving privileges back, depending on whether alcohol was involved.
Who needs SR-22 in New York?
Drivers do not need an SR-22 form in New York if their license is suspended.
Your license might be suspended if you’ve been convicted of the following severe driving violations:
- DUI or DWI
- Driving without insurance
- Driving with a suspended or revoked license
- Having multiple traffic infractions, citations, or moving violations within a short period of time, between three and seven years
- Being responsible for multiple collisions
- Being at fault in a fatal car accident or an accident involving many serious injuries
MORE: What is a DUI?
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Moving to a state requiring an SR-22
If you’ve been convicted of a major driving offense in New York, but subsequently had your license reinstated, you may be required to get SR-22 coverage if you move to a state that requires it.
In such a scenario, you’ll need to find an insurer in your new state that will file an SR-22 form on your behalf, as your insurance company in New York won’t be able to do this for you.
Key Takeaway If you’ve been convicted of a serious driving violation in New York and you’re in the process of moving to a new state, make sure you find an insurer in your new state to file an SR-22 form on your behalf.
How a license suspension impacts your insurance in New York
If your license is revoked or suspended in New York, expect your insurance rate to go up significantly upon reinstatement. Your rates might go up as much as 40% to %100, depending on the violation and your insurance profile, as determined by your insurer.
Drivers who have been deemed high-risk in New York pay an average of $2400 per year in insurance, roughly 60% higher than the average driver.
While your premiums will remain high for an extended period, improving your driving habits and maintaining a clean driving record will go a long way in helping lower your insurance rate over time**.
Even though you’ll be faced with higher premiums upon reinstatement, it’s always a good idea to shop around for insurance to find the best rate.
Key Takeaway Upon your license being reinstated after a major driving violation, be prepared to pay higher rates than you would with standard car insurance.
How to find cheap car insurance with Jerry
Finding a good deal on car insurance is possible for every driver, even ones who are considered high risk. With Jerry, finding a great car insurance policy at an affordable rate has never been easier.
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