Your driver's license may have already been suspended so you will want to check with the DMV to make sure that you have a valid active DL. Otherwise, if you are stopped and they run a check and find that your DL was suspended for your lapse of insurance, you will get a ticket for driving without a valid license. If, by some odd chance, your insurance company didn't notify the State that your insurance lapsed, then at this point you should not be concerned that you did not turn in your license plate. However, just so you know the consequences of not turning in your license plates or driving while your insurance is lapsed can include civil penalties, registration suspension and driver's license suspension, as I mentioned before. So, at this point, the worst that will likely happen is that you will receive a letter from the DMV that they received a lapse notice from your insurance company. The letter will have instructions on what to do, which will include showing proof of insurance. If they determine that there was a lapse, you will have to pay a fine
If you would like to see what the State says about this issue, you can find that information at: www.nydmv.state.ny.us
I, like the other Experts on this site, am here to assist customers like you. However, we do so in anticipation of being paid for our efforts, just like other professionals do, since this is our livelihood and not a hobby. To that end, I am more than happy to clarify my answer to you and answer any related follow up questions that you might have for the value that you have offered for the question. In return, I ask that you show good faith in compliance with the TOS by accepting my answer, whether the news is good or bad, so that I will be paid for my efforts.