What happens if I don't pay my car insurance in NYC?

I live in NYC and the cost of insurance is astronomical! What really happens if I don't pay my policy?

Answer provided by
Shannon Martin
Answered on Apr 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Every state is a little different, but New York has some of the country’s strictest insurance laws. Being without auto insurance for even a short amount of time will result in very high penalties. Here is the breakdown of the fines:
  • One to 30 days without insurance: $8 per day, up to $240
  • 31 to 60 days without insurance: $10 per day, up to $300
  • 61 to 90 days without insurance: $12 per day, up to $360
  • If your license gets revoked: $750
All carriers report to the NY DMV automatically and within seven days of cancellation. As you can see, it is worth it to keep your policy active.
If your policy premium is too high, shop around for cheap car insurance.
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