Liability Insurance — Connecticut
Liability insurance covers damage and injuries you cause to others in an accident — it does not cover your own vehicle or medical bills.
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What Is Liability Insurance Insurance?
Liability insurance pays for damage and injuries you cause to other people and their property when you're at fault in an accident. It includes two components: bodily injury liability, which covers medical bills, lost wages, and legal fees for people you injure, and property damage liability, which covers repair or replacement costs for vehicles and property you damage. If you're suspended and working toward reinstatement, you must maintain continuous liability coverage or file SR-22 proof of insurance — a lapse resets your compliance clock and extends your suspension period.
Who Needs Liability Insurance Insurance?
You need liability insurance if you're working toward license reinstatement in Connecticut, even if you don't currently own a vehicle — a non-owner liability policy with SR-22 filing satisfies the state's continuous coverage requirement and prevents suspension extensions. If you have a hardship or work permit allowing limited driving during suspension, liability coverage is legally required and protects you from personal financial liability if you cause an accident during your restricted driving windows. If you own a vehicle and plan to let someone else drive it during your suspension, you must maintain liability coverage on that vehicle or risk the state flagging an uninsured registration, which adds fines and delays reinstatement.
Check your suspension notice or call the Connecticut DMV to confirm whether SR-22 filing is required — if yes, you must maintain continuous liability coverage or your suspension clock resets with each lapse. If you're driving under a hardship permit, liability coverage is mandatory by law. If you're not required to file SR-22 and you're not driving at all, calculate the cost of maintaining coverage during suspension against the risk of a lapse extending your reinstatement timeline — for suspensions longer than 90 days, most drivers find it cheaper to maintain a non-owner policy than to deal with post-lapse penalties and SR-22 filing triggered by the gap.
How Much Does Liability Insurance Insurance Cost?
- Driving record beyond suspension: Additional violations, at-fault accidents, or lapses in the 3 years before your suspension compound rate increases.
