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

PROOF OF CAR INSURANCE

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. 

AUTO INSURANCE REQUIREMENTS

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.

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