Compliance-Only Auto Insurance After FTA
Compliance-only auto insurance is the minimum state-mandated liability coverage required to reinstate a suspended license.
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What Is Compliance-Only Auto Insurance Insurance?
Compliance-only insurance is bare-minimum liability coverage that meets your state's legal requirement to drive. It pays for damage and injuries you cause to others, up to your state's minimum limits. Most DMVs require proof of this coverage before processing a license reinstatement, including FTA-related suspensions. The policy generates an SR-22 or financial responsibility filing if your state requires it, but the coverage itself is standard liability.
Who Needs Compliance-Only Auto Insurance Insurance?
Drivers reinstating a license after an FTA suspension need compliance-only coverage to satisfy DMV proof-of-insurance requirements before the hold is released. This is the fastest and cheapest way to meet that legal threshold.
Calculate your car's current value and compare it to six months of additional premium for collision and comprehensive coverage. That math works.
How Much Does Compliance-Only Auto Insurance Insurance Cost?
- Underlying citation type: FTA for speeding adds less than FTA for driving without insurance, which triggers high-risk pricing even after reinstatement.
- Prior insurance lapse duration: A six-month lapse before the FTA suspension costs more than a two-week lapse because carriers price continuous coverage history.
