Compliance-Only Auto Insurance After Lapse
Compliance-only auto insurance is the bare-minimum liability coverage your state requires to satisfy SR-22 filing and reinstate a license suspended for driving uninsured.
Get My Reinstatement SR-22 QuoteWhat Is Compliance-Only Auto Insurance Insurance?
Compliance-only auto insurance meets your state's legal minimum liability requirements and nothing more. Your insurer files the SR-22 certificate with the DMV proving you carry continuous coverage, which is the gatekeeper to reinstatement. If you let this policy lapse during the SR-22 filing period, the insurer notifies the state within 24 hours and your license suspends again — in most states, the filing clock resets to day zero.
Who Needs Compliance-Only Auto Insurance Insurance?
It satisfies state reinstatement requirements at the lowest possible monthly cost, and you can add collision or comprehensive later once your license is reinstated and rates drop after the SR-22 period ends.
Choose compliance-only if your only goal is license reinstatement and you can absorb the financial loss of your vehicle. If your car is financed, you have no choice — the lender mandates full coverage with collision and comprehensive until the loan is paid.
How Much Does Compliance-Only Auto Insurance Insurance Cost?
- State-required liability limits: California 15/30/5 minimums cost less than Florida 10/20/10 with mandatory PIP stacked on top
