Taxi Insurance NYC 2026: Green Cab Rules & Renewal Checklist
Complete guide to yellow and green taxi insurance requirements, updated for 2026 with the 24/7 coverage rule and PIP reform impact explained clearly.
Updated for 202624/7 coverage rulePIP reform
Taxi Insurance Coverage Requirements
Yellow Taxi Requirements
- Liability: $100,000/$300,000 minimum
- PIP: $100,000 (reduced from $200k in 2025)
- Property Damage: $50,000 minimum
- Physical Damage: Required if financing
- Coverage: 24/7 continuous (2026 rule)
Green Taxi (Boro Taxi)
- Liability: $100,000/$300,000 minimum
- PIP: $100,000 (reduced from $200k in 2025)
- Property Damage: $50,000 minimum
- Service Area: Outer boroughs + Manhattan above 96th St
- Coverage: 24/7 continuous (2026 rule)
Official Requirements: Based onNYC TLC Vehicle Insurance Requirements PDF. Requirements updated for 2025/26 regulatory changes.
🚨 New 24/7 Coverage Rule (Effective January 1, 2026)
Starting January 1, 2026, all TLC vehicles must maintain continuous 24/7 insurance coverage with no gaps or lapses. This rule eliminates the previous practice of coverage gaps during non-operating hours.
What This Means
- • No coverage gaps allowed
- • Insurance must be active 24 hours daily
- • Applies even when vehicle not in service
- • Includes weekends and holidays
Compliance Steps
- • Review current policy for gaps
- • Coordinate renewal timing carefully
- • Maintain proof of continuous coverage
- • Update TLC Up immediately after changes
Taxi License Renewal Checklist
90 Days Before Expiration
30 Days Before Expiration
Insurance & TLC Inspection Requirements
TLC vehicle inspections and insurance requirements are closely tied. Understanding this connection helps you maintain compliance and avoid service interruptions.
Inspection Schedule
- • New vehicles: Initial inspection required
- • Vehicles 0-2 years: Annual inspection
- • Vehicles 3-5 years: Semi-annual inspection
- • Vehicles 6+ years: Quarterly inspection
Insurance Documentation at Inspection
- • Current insurance declarations page
- • Valid FH-1 certificate
- • Proof of continuous coverage
- • Any endorsements or amendments
Get compliant taxi insurance today
Stay compliant with 2026 requirements. Same-day certificates and renewal help available.