How to surrender plates in New York
For every single day that you hold on to your New York State license plates without bodily injury and property damage liability insurance coverage on those plates, then it’s $8 per day for the first 30 days that you will then have to pay as a fine to the DMV. After that, from 31 to 60 days, the fine increases to $10; from 61 days to 90, the fine is $12 a day. The NYS DMV has detailed information regarding the civil penalty for lapsed plates where you can get the details directly from the horse’s mouth.
If you wish to not pay that fee, you would have to turn in the plates for the same number of days in which you held onto them without any liability coverage through your insurance company.
It’s wise to always ensure that before you take off the insurance, you have turned in the plates, or you could find out several months down the road that the DMV has a fine and suspended your license or registration or both.
Don’t let yourself fall victim to this. Always ensure that you receive an FS-6 form or a plate surrender receipt, call your agent, turn that in, and then have the car removed. It can be removed retroactively back to when you turned in the plates.