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Liability-Only Coverage After Point Suspensions

Liability-only coverage pays for injuries and damage you cause to others, but nothing for your own vehicle or medical bills.

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What Is Liability-Only Coverage Insurance?

Liability-only coverage includes bodily injury liability and property damage liability. If you cause an accident, it pays the other driver's medical bills and vehicle repairs up to your policy limits. It does not pay anything toward your own car, your own injuries, or damage from events like theft, hail, or hitting a deer.

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Who Needs Liability-Only Coverage Insurance?

You need liability-only coverage to satisfy your state's reinstatement requirements after a points-based suspension. It's the legal minimum to drive, and most states verify continuous liability coverage for 12–36 months post-reinstatement. Dropping it triggers a new suspension in most jurisdictions.

How Much Does Liability-Only Coverage Insurance Cost?

  • Your total point count matters less than the specific offenses; carriers price reckless driving and racing higher than accumulating points via minor speeding tickets.

Related Coverage Types

An open black mailbox on a wooden post with a raised red flag holds a large brown envelope, with a silver car parked in a driveway and a house blurred in the background at dusk.Standard Auto Coverage Post-Reinstatement→A bearded man in a dark cap and hooded sweatshirt sits in a vehicle's driver seat, pulling the seat belt across his chest toward the buckle.Multi-Violation Driver Insurance→A woman with wavy brown hair and sunglasses pushed onto her head sits in a car's driver seat, holding a phone to her ear with one hand while looking out the side window.SR-22 Insurance (If Triggered)→An open black post-mounted mailbox with a raised red flag holds a tan envelope, with a blurred driveway, parked car and house behind it.Property Damage Liability→
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