Can you insure a car in New York with a suspended license?
Asked by: Alberta Daniel PhD | Last update: January 5, 2026Score: 4.9/5 (58 votes)
Can you insure a car with a suspended license in NY?
Since it is so difficult to obtain insurance after a license suspension, one option is to have a friend or family member who uses the vehicle to insure it under their name. That way there is coverage when you or they are driving. After your suspension has been lifted, you may be able to establish a joint policy.
Can I insure a car with a suspended license?
Getting car insurance can take longer than usual if you have a suspended license. Insurance companies may view you as nonstandard, or high risk. Some companies don't insure high-risk drivers. This means you may have to contact more companies than normal for quotes.
Can you insure a car without a driver's license in New York?
It's possible to get car insurance with no license, and if someone other than you will be driving your vehicle, it's necessary.
What is the new law for suspended license in NY?
— A new law went into effect Friday lowering the number of driver's license suspensions that can result in a felony in New York. Now, drivers caught with five prior license suspensions can be hit with a felony.
How to Find Insurance With a Suspended License : Basic Insurance Advice
What is Angelica's law in NY?
Law Honors Angelica Nappi, a Holbrook teen killed in 2008 by an Unlicensed Motorist with Multiple Prior Suspensions. New York State is announcing the implementation of Angelica's Law (S. 4671/A. 3983), which protects New Yorkers against reckless and dangerous driving.
Can you drive out of state with a suspended license?
Yes, at least temporarily. In the USA, each individual state honors licenses to drive issued by sister states. This allows you to drive in states other than your home state even though you don't have a license in that particular state.
What insurance company will insure an unlicensed driver?
Some insurance companies will cover you if you have a state-issued ID card. Popular car insurance companies like Commonwealth, Advantage Auto and Direct Auto will take a state-issued ID card and issue unlicensed drivers a policy.
What is the new law in NY about car insurance?
New Law: Auto Policies To Include Supplemental Spousal Liability Coverage. UPDATE: On March 24, 2023, New York Gov. Kathy Hochul signed into law a bill that made two changes to this law: The effective date is pushed back to August 1, 2023.
Can you register a car without insurance in NY?
You must have New York State-issued automobile liability insurance coverage to register a vehicle in New York State. If you do not maintain coverage, DMV can suspend your vehicle registration and your driver license.
Can I get Geico insurance without a license?
Geico is available to all drivers in every state and typically underwrites cheaper base quotes. Even though Geico is technically a car insurance company that does ask for a license, Geico also sells policies to unlicensed drivers, typically if the car is in storage.
Can you get insurance with an expired license?
The good news is that there are no harsh penalties from the car insurance company if they find that your drivers license is expired. Most insurers are actually quite personable when it comes down to it –allowing you up to a month to have it resolved before they sign you on an auto insurance coverage policy.
Does Geico insure people with suspended license?
You may be able to find car insurance with a suspended license from State Farm, GEICO, Progressive, and other major insurance companies. Your car insurance rates may be high with a suspended license, especially if you have other violations on your record.
Does a suspended license stay on your record?
Traffic violations and points can stay on your driving record or license for three to ten years. In some states, some markups are permanent. You can resolve a suspended license by taking steps to reinstate it. However, there may still be a mark of the driver's license suspension.
Can you insure a car in New York without a driver's license?
Instead of using your driver's license on the application for an insurance policy, you may be allowed to apply for a policy using the name and license number of the primary driver of your car. This way, you are listed on the policy but not as a driver.
How long can you go without insurance in NY?
About Insurance Lapses
If the registration suspension period is more than 90 days, you must surrender your vehicle registration and plates. The DMV will also suspend your driver license. Your driver license will be suspended for the same number of days as your registration suspension.
What do you need to insure a car in NY?
NY State Minimum Auto Insurance Coverage Minimum Requirements. New York state law requires that you carry Bodily Injury Liability limits of at least $25,000 per-person and $50,000 per-accident. The Property Damage liability limit is required to cover at least $10,000.
What insurance can I use without a license?
Get Parked Car Coverage
You can purchase car insurance coverage without a driver's license by opting for parked car coverage. This type of insurance, which is essentially a storage policy, assumes that drivers don't use their vehicle regularly, so the car is protected from damage that occurs when parked.
Can I get car insurance with a temporary license?
Access auto insurance offers insurance policies to people with suspended licenses, temporary licenses, foreign licenses and no license at all. Note that getting auto insurance without a license through Access doesn't prevent you from being ticketed for driving without a valid license.
Can insurance tell if your license is suspended?
In most cases, the policy will not be issued in the first place; insurance companies can run motor vehicle records pretty quickly and will find out that your license is suspended. It may be instant or a matter of days.
Can police tell if your license is suspended by running your plates?
The officer will only be able to see the driver's driving record. So, if someone drives your car and a cop runs your plates, your driving record will not pop up showing that your license is suspended. However, if the driver does not have a valid license, they may be cited or arrested.
Are all the states DMV connected?
The Driver License compact is an interstate compact among 45 states and the District of Columbia. Georgia, Massachusetts, Michigan, Tennessee, and Wisconsin are the only states that are not members. The compact has congressional consent.
What is the no sock law in New York?
Laws of N.Y., Book 39) following this section (Penal Law, § 35.27 ) wherein it is stated that: “ 'The rationale of this so-called 'no sock' principle is that to authorize or encourage a person to engage an arresting officer in combat because of a difference of opinion concerning the validity of the arrest being ...
What is New York State Amanda's law?
In order to comply with Amanda's Law, a minimum of one carbon monoxide detector must be installed in every home where there is a carbon monoxide source, defined as any appliance or system that may emit carbon monoxide, a fireplace, or a building with an attached garage, or other motor vehicle related occupancies.
What is the town law 62 in NY?
Meetings of town board. 1. The town board of every town shall meet on or before the twentieth day of January in each year for the purpose of making the annual accounting by town officers and employees as required by section one hundred twenty-three of this chapter.