Services
Insurance
Repairs
Advice
About

What happens if I don't pay my car insurance in New York City?

How long can you go without car insurance before being penalized? I live in New York City and it can be difficult to pay for insurance when the cost is astronomical!

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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 a 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 insurance providers report to the New York State Department of Motor Vehicles automatically and within seven days of cancellation. So as you can see, it is worth it to keep your policy active.
If you think your policy premium is too high, shop around for
low-cost car insurance
with
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes for free and will even help you switch providers and cancel your old policy.”
View full answer 
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings