Pay insurance lapse civil penalty
Can I pay an Insurance Lapse Civil Penalty?
You can pay and remove a suspension for a lapse of insurance coverage if your insurance lapse is for 90 days or less.
You cannot pay the civil penalty if
- your insurance lapse is 91 days or more
- you already paid a civil penalty in the past 36 months (3 years)
Your payment does not guarantee that the DMV will restore your registration, or close other suspensions or revocations. It is your responsibility to know if the DMV restored your registration before you drive the vehicle. You can check the status of your driving privilege and vehicle registrations through MyDMV. If you just want to know about your insurance, you can use the check insurance status service.
The DMV will not automatically send you a new registration document in the mail.
If you do not want to pay the civil penalty, you can surrender your vehicle registration and plates until the suspension period ends.
What do I need to pay online?
You need a Suspension Order that states you are eligible to pay a civil penalty (see a sample insurance letter). You will need to provide the following information from your order
- the 10 digit document ID number
- your vehicle plate number
- vehicle type (also called class – e.g. PAS, COM)
- the first 3 letters of the registrant’s name
Can I pay by mail?
Yes, but it’s faster to do it online. Follow the instructions on your suspension order. Send the bottom part of the order along with a certified check or money order for the penalty to
NYS DMV Financial Security Bureau
PO BOX 2725
Albany NY 12220-0725
Can I pay at an office?
Yes, but it’s faster to do it online. Your suspension order will list the closest DMV offices to you where you can pay.
How much do I need to pay?
- 1. Your payment is calculated based on the following table
Insurance lapse (in days)
Civil Penalty 1 - 30 days $8 per day 31 - 60 days $10 per day 61-90 days $12 per day
Example 1: If your insurance lapse is 25 days, you may pay a civil penalty of $200 ($8 per day for 25 days) and not turn in your plates, or you must surrender your plates and serve a registration suspension of 25 days.
Example 2: If your insurance lapse is 90 days, you may pay a total penalty of $900 ($8 per day for the first 30 days = $240; plus $10 per day for 31 days to 60 = $300; plus $12 per day for days 61-90 = $360) and not turn in your plates; or you must surrender your plates and serve a registration suspension of 90 days