Connecticut General Statutes

Conn. Gen. Stat. § 14-213b (2026)

Operation prohibited when insurance coverage fails to meet minimum requirements. Penalty. Evidence of insurance coverage required to restore suspended license

✓ current as of May 2026
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(a) No owner of any private passenger motor vehicle or a vehicle with a combination or commercial registration, as defined in section 14-1, registered or required to be registered in this state may operate or permit the operation of such vehicle without the security required by section 38a-371 or with security insufficient to meet the minimum requirements of said section, or without any other security requirements imposed by law, as the case may be. Failure of the operator to produce an insurance identification card as required by section 14-217 shall constitute prima facie evidence that the owner has not maintained the security required by section 38a-371 and this section. A law enforcement officer may access the Online Insurance Verification System established in accordance with section 14-112a to determine whether an owner or operator has the required security.

(b) Any person convicted of violating any provision of subsection (a) of this section shall be fined not less than one hundred dollars or more than one thousand dollars, except that any owner of a motor vehicle with a commercial registration who knowingly violates the provisions of subsection (a) of this section with respect to such vehicle shall be guilty of a class D felony.

(c) The Commissioner of Motor Vehicles shall suspend the registration, and the operator's license, if any, of an owner, for a first conviction of violating the provisions of subsection (a) of this section for a period of one month and for a second or subsequent conviction for a period of six months. No operator's license which has been suspended pursuant to this subsection shall be restored until the owner has provided evidence to the commissioner that he maintains the security required by section 38a-371 or any other security requirements imposed by law for each motor vehicle registered in his name.

(P.A. 81-217, S. 5; P.A. 94-243, S. 3; P.A. 97-226, S. 2; P.A. 04-199, S. 2; Oct. 25 Sp. Sess. P.A. 05-3, S. 1; P.A. 06-196, S. 96; June Sp. Sess. P.A. 15-5, S. 231.)

History: (Revisor's note: In 1993 an obsolete reference to Subsec. (c) of Sec. 14-117 was deleted editorially by the Revisors since Sec. 14-117 is repealed and a reference in Subsec. (c) to “sections 14-12b to 14-12e, inclusive,” was changed editorially by the Revisors to “sections 14-12b and 14-12c” to reflect the repeal of sections 14-12d and 14-12e by P.A. 93-298, S. 10); P.A. 94-243 amended Subsecs. (a) and (c) to apply to vehicles with commercial registrations; P.A. 97-226 amended Subsecs. (a) and (c) to apply provisions to vehicles with combination registrations and to eliminate reference to “subdivision (12) of” before Sec. 14-1, Subsec. (a) to apply to vehicles required to be registered and Subsec. (c) to prohibit restoration of an operator's license which has been suspended pursuant to Subsec. until owner provides evidence of insurance coverage; P.A. 04-199 amended Subsec. (c) to eliminate provisions re no new registration shall be issued or restored after suspension of registration under subsection until owner has filed proof of financial responsibility under Sec. 14-112 and re maintenance of financial responsibility filing, effective July 1, 2004; Oct. 25 Sp. Sess. P.A. 05-3 amended Subsec. (a) to prohibit operation “without any other security requirements imposed by law, as the case may be”, amended Subsec. (b) to specify exception that any owner of a motor vehicle with a commercial registration who knowingly violates Subsec. (a) with respect to such vehicle shall be guilty of a class D felony, and amended Subsec. (c) to prohibit restoration of a suspended operator's license until the owner has provided commissioner evidence that he maintains any other security requirements imposed by law, effective January 1, 2006; P.A. 06-196 made a technical change in Subsec. (b), effective June 7, 2006; June Sp. Sess. P.A. 15-5 amended Subsec. (a) to add provision re law enforcement officer access to Online Insurance Verification System, effective June 30, 2015.

See Sec. 14-12f re exempt vehicles.

Cited. 11 CA 122; 23 CA 50.

Notes of Decisions
Cited in 18 cases (5 in the last 5 years), 1987–2026 · leading case: Hvt, Inc. v. Law, 16 A.3d 686 (Conn. 2011).
Hvt, Inc. v. Law, 16 A.3d 686 (Conn. 2011). · cites it 13× “Moreover, although General Statutes § 14-213b, also cited by the dissent, references owner liability with respect to the prohibition of the operation of an uninsured motor vehicle, we note that, unlike the registration payments, insurance payments made by a lessee benefit both…”
McCoy v. Comm'r of Pub. Saf., 12 A.3d 948 (Conn. 2011). · cites it 4× “quired restraint is class A misdemeanor); General Statutes § 14-103d (b) (violation of regulations regarding motor vehicle's using pressurized gas is class C misdemeanor); General Statutes § 14-106b (d) (operating motor vehicle without functioning odometer is class A…”
Ventura v. Town of E. Haven, 199 A.3d 1 (Conn. 2019). · cites it 2× “Trnka was, therefore, further charged with misuse of plates in violation of General Statutes § 14-147, operating an unregistered motor vehicle in violation of General Statutes § 14-12a, and operating a motor vehicle without insurance in violation of General Statutes §…”
State v. Young, 201 A.3d 439 (Conn. App. Ct. 2019). · cites it 5× “On March 24, 2016, the Connecticut State Police arrested the defendant for operating a motor vehicle while under the influence of intoxicating liquor or drugs in violation of § 14-227a (a), evading responsibility in the operation of a motor vehicle in violation of § 14-224 (b)…”
Farmers Texas Cnty. Mut. v. Hertz Corp., 923 A.2d 673 (Conn. 2007). · cites it 4× “General Statutes § 14-213b 8 proscribes operation of an uninsured vehicle, and places responsibility for adherence to that rule on the owner, even when the owner is not the operator of the vehicle.”
Ventura v. Town of E. Haven, 154 A.3d 1020 (Conn. App. Ct. 2017). · cites it 2× “Trnka was, therefore, further charged with misuse of plates in violation of General Statutes § 14-147, operating an unregistered motor vehicle in violation of General Statutes § 14-12a, and operating a motor vehicle without insurance in violation of General Statutes § 14-213b.…”
Willoughby v. City of New Haven, 757 A.2d 1083 (Conn. 2000). · cites it 2× “ntification card or policy and statement that minimum security will be continuously maintained required for issuance of registration”); General Statutes § 14-12c (“[verification of security coverages”); General Statutes § 14-14 (“[registration of motor vehicles owned by minors”;…”
State v. McKenna, 525 A.2d 1374 (Conn. App. Ct. 1987). · cites it 2× “The defendant was charged with manslaughter in the second degree with a motor vehicle while intoxicated, a violation of General Statutes § 53a-56b (a), operating without insurance, a violation of General Statutes § 14-213b, and following too closely, a violation of General…”
State v. Smith, 177 A.3d 593 (Conn. App. Ct. 2017). · cites it 2× “After a brief investigation, the officers issued the defendant a misdemeanor summons for operating a motor vehicle while his driver's license was under suspension in violation of § 14-215 (a) and without minimum insurance in violation of General Statutes § 14-213b. The state…”
State v. Luna, 208 Conn. App. 45 (Conn. App. Ct. 2021). · cites it 2× “Additionally, the defendant pleaded guilty to hav- ing committed the infraction of operating a motor vehicle without minimum insurance in violation of General Statutes § 14-213b. The defendant has not challenged her conviction of the foregoing violation or infractions on appeal.”
State v. Howell, 908 A.2d 1145 (Conn. App. Ct. 2006). · cites it 2× “” Initially, the state also charged the defendant with failing to produce insurance identification in violation of General Statutes § 14-213b. This charge, however, was later withdrawn.”
State v. Vlahos, 51 A.3d 1173 (Conn. App. Ct. 2012). · cites it 2× “The defendant was also charged with operation of a motor vehicle without insurance in violation of General Statutes § 14-213b and making an improper turn in violation of General Statutes § 14-242.”
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