Restricted License Insurance — New York
New York requires 25/50/10 liability coverage and is a no-fault state.
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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
Proof of financial responsibility is required at all times, enforced through DMV database matching with carrier filings. Drivers issued a Restricted Use License after DUI revocation must carry IID endorsement coverage and file SR-22 (technically FS-1 in New York) for the duration specified in their reinstatement order.
Liability Insurance
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
SR-22 Filing (FS-1 in New York)
Ignition Interlock Device (IID) Endorsement
What Drivers Pay in New York
$394–$432/mo
Typical monthly rate in New York, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Restricted Use License periods typically run 6–12 months for first-offense DUI, and maintaining continuous coverage without lapses is the only way to avoid restarting the FS-1 clock.
Get Insured on Your Restricted License
Get My Restricted License Insurance QuoteIf 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
What is a Restricted Use License in New York and who qualifies?
A Restricted Use License is a conditional driving privilege issued by the New York DMV after your license has been revoked for DUI or certain other violations—it allows you to drive for specific approved purposes (work, school, medical) with an ignition interlock device installed. You qualify only after completing the statutory revocation period, which is typically 6 months for a first-offense DUI. The DMV will not issue the Restricted Use License until you provide proof of IID installation and an active FS-1 insurance filing.
How long does New York require SR-22 filing after a DUI?
New York requires Form FS-1 (the state's equivalent of SR-22) for a minimum of 3 years after a first-offense DUI, measured from the date of reinstatement—not the conviction date. The DMV monitors your filing status electronically every day, and any lapse in coverage triggers immediate suspension of your Restricted Use License. Second or subsequent DUI offenses can extend the filing requirement to 5 years or longer.
What happens if my insurance lapses while I have a Restricted Use License?
The DMV receives electronic notice within 24 hours of any coverage lapse and will suspend your Restricted Use License immediately—you cannot drive legally until you reinstate coverage, file a new FS-1, and pay DMV reinstatement fees. A lapse also restarts the 3-year SR-22 monitoring clock from the date you refile, adding years to your high-risk insurance requirement. Carriers treat a lapse as proof of non-compliance and often refuse to re-write the policy.
Can I get a Restricted Use License in New York without owning a car?
Yes—you can obtain a non-owner SR-22 policy with FS-1 filing to satisfy the DMV's financial responsibility requirement, but you still must have an approved IID installed in any vehicle you drive regularly. Non-owner policies work only if you drive infrequently or use vehicles already equipped with IID by their owners. If you drive a specific vehicle more than occasionally, the DMV requires that vehicle to have an IID registered under your name.
What are the approved purposes for driving on a New York Restricted Use License?
The DMV restricts your driving to employment, school enrollment, medical treatment for you or an immediate family member, and court-ordered programs such as DWI education or treatment—each purpose must be documented in your reinstatement application. Recreational driving, errands, and social trips are prohibited. The Restricted Use License order specifies your approved routes and hours, and violating these restrictions is a misdemeanor that can result in revocation and additional criminal charges.
Coverage Types
SR-22 Insurance (FS-1 Filing)
New York's proof-of-financial-responsibility certificate, filed electronically by your carrier to the DMV. Required after DUI revocation and monitored continuously—any lapse triggers immediate suspension.
Ignition Interlock Device Endorsement
Policy endorsement listing the IID by serial number and monitoring company—mandatory for all Restricted Use Licenses issued after DUI. Your carrier must confirm installation before the DMV releases your license.
Non-Owner SR-22 Insurance
Liability-only policy with FS-1 filing for drivers who don't own a vehicle but need proof of financial responsibility to maintain a Restricted Use License. Covers you when driving borrowed or rental vehicles.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance—New York automatically includes this at state minimums unless you reject it in writing at policy inception.
Comprehensive and Collision Coverage
Comprehensive covers non-collision damage—theft, vandalism, weather. Collision covers damage from accidents regardless of fault. Both are optional unless you finance or lease your vehicle.