New York DUI SR-22 Insurance After Conviction
New York requires 25/50/10 liability coverage and is a no-fault state.
Free to compare
New 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
New York operates under a no-fault insurance system, meaning your own PIP coverage pays medical bills regardless of who caused the accident. After a DUI conviction, the New York Department of Motor Vehicles requires you to file SR-22 (Certificate of Financial Responsibility) for 3 years from the conviction date to prove continuous insurance coverage. Your driver's license remains suspended until the SR-22 filing is submitted and remains active for the full period.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
SR-22 Certificate Filing
What Drivers Pay in New York
$325–$394/mo
Typical monthly rate in New York, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Repeat DUI offenses within 10 years place you in the highest-risk tier — some carriers in New York decline repeat offenders entirely, forcing you into state-assigned risk pools.
- Non-standard carriers writing post-DUI policies in New York include The General, Dairyland, GAINSCO, Direct Auto, and Bristol West — availability varies by county and conviction severity.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf 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
Frequently Asked Questions
How long do I need SR-22 after a DUI in New York?
New York requires SR-22 filing for 3 years from your DUI conviction date, not from the date you file or reinstate your license. If your insurance lapses at any point during those 3 years, the DMV suspends your license immediately and the 3-year period starts over from the original conviction date.
Will my current carrier file SR-22 after a DUI in New York?
Most major carriers like State Farm, Geico, and Progressive will file SR-22 for existing New York customers but typically non-renew your policy at the end of the current term. New post-DUI policies require non-standard market carriers such as The General, Dairyland, GAINSCO, Direct Auto, or Bristol West.
What happens if I let my SR-22 policy lapse in New York?
Your carrier notifies the New York DMV electronically within 24 hours of cancellation or non-payment. The DMV suspends your driver's license immediately, and your 3-year SR-22 filing period restarts from your original conviction date — not from when you reinstate coverage.
Does New York require SR-22 for first-offense DUI?
Yes, the New York Department of Motor Vehicles requires SR-22 filing for all DUI convictions including first offense, regardless of BAC level or whether the offense was standard or aggravated. The filing period is 3 years for first offense and extends to 5 years for repeat convictions within 10 years.
Can I get non-owner SR-22 insurance in New York if I sold my car?
Yes, New York allows non-owner SR-22 policies for drivers who do not own a vehicle but must satisfy DUI-related filing requirements. You must maintain the policy and SR-22 filing continuously for the full 3-year period even if you do not drive — selling your vehicle does not pause or reduce the filing requirement.
Does New York accept out-of-state SR-22 filing?
No, if you hold a New York driver's license, the New York DMV requires SR-22 filing from a carrier licensed to write policies in New York. An out-of-state SR-22 does not satisfy the New York filing requirement even if you move to New York from another state with an active SR-22 on file.
Coverage Types
SR-22 Insurance
The SR-22 is a DMV filing that proves you carry at least minimum liability coverage continuously for 3 years. Your carrier submits it electronically to the New York DMV.
Non-Owner SR-22
This policy provides liability coverage and SR-22 filing for drivers who do not own a vehicle but need to satisfy DUI-related filing requirements.
Liability Insurance
Covers bodily injury and property damage you cause to others. New York requires 25/50/10 minimums, but most post-DUI policies recommend higher limits.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage to pay your claim. New York adds this coverage automatically unless you reject it in writing.
Non-Standard Auto Insurance
Specialized policies for high-risk drivers who cannot get coverage from standard carriers. Most drivers with DUI convictions in New York move to this market.