Those vehicles owed nearly two-and-a-half times more in outstanding fines than properly registered cars, and paid only 16% of what they owed, versus 63% for validly plated ones. The question is simple: Are you a New York City resident? What we’re describing here is rate evasion, or “garage fraud,” a recognized form of insurance fraud nationally, not just a New York quirk. It’s been illegal since 2022, when Italy banned residents from driving foreign-plated cars not also registered domestically. In New York, with a driver simply registering a Honda in New Jersey, they’re part of a greater tax and insurance fraud scheme.