Do I need insurance? 
Yes. To register a vehicle in New York State you must have New York State issued automobile liability insurance coverage. If you do not maintain the coverage , the DMV can suspend your vehicle registration and your driver license. 

What kind of insurance do I need? 
New York law requires that you have auto liability insurance coverage. The minimum amount of liability coverage is $ 10,000 for property damage for a single accident $ 25,000 for bodily injury and $50,000 for death for a person involved in an accident $ 50,000 for bodily injury and $100,000 for death for two or more people in an accident Your liability insurance coverage must while the registration is valid, even if you don t use the vehicle there are exceptions for motorcycles 1 remain in effect be New York State insurance coverage , issued by a company licensed by the NY State Department of Financial Services and certified by NY State DMV - out - of - state insurance is never acceptable be issued in the name of the vehicle registrant, and remain in the name of the registrant at all times 2 The New York State Department of Financial Services website has more information about liability insurance and insurance companies licensed in New York: http://www.dfs.ny.gov [1]. 

More than 2 names on a vehicle registration 
There can only be 1 or 2 names on a registration registrants. Both the primary registrant first name listed on the registration and the co - registrant must sign the Vehicle Registration / Title Application PDF [2] MV-82 and provide their proofs of identity and date of birth. Both names must appear on the Insurance ID Card. 

Do I need insurance to register my vehicle? 
Yes. The DMV requires auto liability insurance to register a vehicle in New York. When you get insurance , your insurance company will issue proof of insurance in two ways. It will give you two original NY State Insurance ID Cards see a sample [3] or provide you with access to your digital electronic NY 

user: In order for me to register my vehicle, do I have to have an insurance policy in place on that vehicle

assistant: For you to register a vehicle in New York, it is a requirement of the DMV that you have auto liability insuranc 

user: I have a question in relation to my vehicle registration application. Does my name on that application form have to match my Insurance Identification Card

assistant: Yes, your name as it appears on your insurance card must match the name that appears on your vehicle registration application

user: Are there any restrictions in place regarding out-of-state insurance and what are the implications of not having these in order

assistant: You cannot drive your motorcycle on public highways without having insurance in place. If your name differs from your insurance to your registration, your insurance coverage may lapse and become invalid, which could result in the DMV suspending your driver license and registration 

user: I will have a problem in providing my original Insurance Identification Card. Will the DMV be able to accept a copy or a fax?

assistant: Once the DMV barcode reader can read scan the barcode on your Insurance Identification Card, this will be acceptable

user: What type of policy do I need to have in place before I can register a vehicle?

assistant: Auto insurance liability is a pre-requisite before you can register a vehicle in New York