Do I need auto insurance to apply for a NY drivers license? New York


You must provide proof of auto insurance when you arrive to take your drivers license road test. Failure to provide proof of insurance will cancel your driver license test. 

If you're in search of a car insurance company, be sure it meets New York approval. The DMV will not recognize any insurance documents from out-of-state providers. The insurance company must be authorized to conduct business in NY and licensed by the New York State Insurance Department. 


To conform with NY auto insurance laws you must carry the following minimum amounts of insurance:

  • $25,000/50,000 for injury 
  • $50,000/100,000 for death
  • $10,000 for property damage

New York is a no-fault state. You must maintain car insurance while your vehicle remains legally registered. This even applies to vehicles taken off the road for a few months. Even if you have no intention of driving the vehicle, as long as it is registered NY mandates constant insurance coverage.

Visitor Comments

No visitor comments posted. Post a comment

Post Comment for "Do I need auto insurance to apply for a NY drivers license?"

To post a comment for this article, simply complete the form below. Fields marked with an asterisk are required.

User Opinions

No users have voted.

How would you rate this answer?

Thank you for rating this answer.

Continue (the Site) is a privately owned, for-profit Web site owned by OnlineGURU, Inc. The Site specifically disclaims any and all connection with any state bureau, division, or Department of Motor Vehicles, or any state or federal government agency. does its best to get the correct information but does not claim responsibility for the accuracy of the information displayed herein. It is not complete or certified information. The information provided on is not legal advice, is not a lawyer referral service, and no attorney-client or confidential relationship is or should be formed by use of the site. Additionally, the Site expressly disclaims any and all liability for third party links or resources on the Site and any claims of negligence arising from same. For official information, please consult your state motor vehicle department.