Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In New York State, drivers are required to carry auto insurance that meets certain minimum coverage requirements. These requirements include $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, and $10,000 for property damage in any one accident. Additionally, New York is a no-fault state, which means that drivers must also have Personal Injury Protection (PIP) to cover medical expenses, lost earnings, and other reasonable and necessary expenses up to $50,000, regardless of who is at fault in an accident. The cost of auto insurance in New York can be influenced by various factors, including the driver's record. Traffic violations such as speeding can result in a significant increase in insurance premiums, and more severe infractions like DUI/DWI can lead to even higher costs. Drivers in New York who have received traffic citations or are facing charges that could impact their insurance rates may benefit from consulting with an attorney who specializes in traffic law to explore their options and potentially mitigate the consequences.