Q: What happens if I don't pay my car insurance in NYC?
Apr 14, 2021

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
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.

If you want cheap car insurance quotes fast, sign up for Jerry. A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch providers, and even cancels your old policy for you.

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This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!