TLC insurance for New Jersey-licensed drivers working in New York
Quotes for TLC drivers working in New York, including drivers with New Jersey licenses. Coverage and price come from the issuing carrier.
We do not issue policies.
Important Notice: Submitting information starts a quote request. The request does not bind coverage. The issuing carrier determines eligibility, coverage, and final premium.
A New Jersey driver license and a TLC license
TLC’s Driver License Design page asks, “I have a New Jersey/Connecticut/Pennsylvania/other state DMV driver’s license. Do I need to do anything now?”
TLC’s answer for a driver in the renewal period is: “If you are in your renewal period, follow the steps as listed above (ID-5 form completion, NYS DMV visit, and receipt upload) or click here. You must also complete any other missing requirements.”
For a driver who is not in the renewal period, TLC says: “If you are not in your renewal period, you do not need to take any further steps. However, you will need to visit a New York State DMV office when your license is due for renewal. Upon renewal, you must follow the steps listed above to receive your new TLC license via mail.”
The same page says, “New applicants who hold an out-of-state DMV license: you must complete the ID-5 and DMV receipt requirement before your license will be issued.”
On TLC’s Get a TLC Drivers License page, the documents include: “Copy of Chauffeur License or its equivalent. In New York State, this is a Commercial Class (A, B, C) or For-hire Class (E) license. If outside of NYS, check with your state driver licensing agency.” For an out-of-state DMV license, that page asks for “An original out of state driver record that is dated no more than 90 days from the date the application is filed online.”
TLC says, “Starting on October 1, 2025, all out-of-state Applicants/Licensees—whether applying for a new, renewal, or replacement TLC Driver's License—must complete a new step to allow the TLC to obtain the necessary Client ID number for their application.” TLC also says, “Applications submitted on or after October 1, 2025, will not be processed until the FS-6T receipt has been successfully uploaded to TLCUP.” This website does not submit TLC applications or DMV forms.
New Jersey defensive driving facts from the NJ MVC driver programs page are on the defensive driving page. This page does not restate them.
Insurance for the vehicle used in New York
TLC’s vehicle license FAQ answers “Do I need to live in New York State to register my vehicle for a TLC Vehicle permit?” with: “You may register a vehicle from New York, New Jersey, Connecticut and Pennsylvania. Out of state vehicles must already have taxi/livery plates and meet the insurance requirements set by NYC TLC.”
TLC’s vehicle insurance page says, “Vehicle owners must maintain a current insurance liability policy meeting the minimum amount of liability insurance required by TLC Rules and New York State Law, for each vehicle.” It also says, “TLC Licensed Vehicles must maintain proof of a current liability insurance policy (insurance certificate / FH-1) on file with the TLC.”
NY DMV’s for-hire insurance requirements page says, “You must provide an Insurance Certificate (FH-1) or Corporate Surety Bond Certificate (FH-1B), unless your vehicle is a bus or ambulance that does not transport passengers for a fee.” The insurer files the FH-1. This site does not file it. The certificate steps are in the FH-1 guide.
For a for-hire vehicle with 1–7 seats, TLC lists $100,000 per person / $300,000 per occurrence. Property damage on that row is $10,000. Required personal injury protection (PIP) is $100,000 per person, reduced from $200,000, effective March 1, 2026 for taxis, for-hire vehicles, luxury limousines, and street hail liveries. Other classes use different published minimums. The chart is on TLC’s for-hire vehicle license page. Class-by-class notes are on the TLC insurance NYC guide.
| Vehicle | Seats | Liability minimum | Property damage | PIP |
|---|---|---|---|---|
| For-hire vehicle (livery and black car) | 1–7 passengers | $100,000 per person / $300,000 per occurrence | $10,000 | $100,000 |
| For-hire vehicle (livery and black car) | 8–15 passengers | $1,500,000 per occurrence combined single limit | Not listed separately on the TLC chart | $100,000 |
| For-hire vehicle (livery and black car) | 16–20 passengers | $5,000,000 per occurrence combined single limit | Not listed separately on the TLC chart | $100,000 |
Required personal injury protection (PIP) is $100,000 per person, reduced from $200,000, effective March 1, 2026 for taxis, for-hire vehicles, luxury limousines, and street hail liveries. The PIP figure applies on March 1, 2026. NYC TLC for-hire vehicle license page. See also NYC TLC vehicle insurance.
A quote on this site
Enter your number on the homepage. The issuing carrier sets eligibility, terms, and price. A quote request does not bind coverage.
Questions
Does TLC name a New Jersey driver license?
TLC’s Driver License Design page asks, “I have a New Jersey/Connecticut/Pennsylvania/other state DMV driver’s license. Do I need to do anything now?” For a chauffeur license outside New York, TLC’s driver-license page says to check with your state driver licensing agency. This page does not name a New Jersey license class.
Can a vehicle registered in New Jersey be used for a TLC vehicle permit?
TLC’s vehicle-license FAQ says, “You may register a vehicle from New York, New Jersey, Connecticut and Pennsylvania. Out of state vehicles must already have taxi/livery plates and meet the insurance requirements set by NYC TLC.”
Does a quote on this site bind coverage?
No. Submitting information starts a quote request. The request does not bind coverage. The issuing carrier determines eligibility, coverage, and final premium. We do not issue policies.
