Suspended License Auto Insurance

Suspended license auto insurance is expensive and hard to find. Some companies offer car insurance for a restricted license so you can drive to work or other court-approved places. One DUI will raise your car insurance rates to about $400 a month, but your insurance after a suspended license will be even more expensive. Learn more about finding affordable suspended license auto insurance rates now.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Dec 2, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • It can be difficult to find companies that will offer you insurance with a suspended license.
  • Insurance after a license suspension will be expensive.
  • You can apply for a hardship license so you can drive to work.
  • Some states will require you to carry SR22 coverage after a license suspension.

Suspended license auto insurance can be hard to find. If and when you do find a company that offers it, you can expect it to be expensive.

Your driver’s license may be suspended for a variety of reasons, including receiving a DUI, not carrying auto insurance, or getting too many points on your license. If you want to drive after your license has been suspended, you have to find a company that will offer you coverage.

Some companies will offer you auto insurance coverage if your license is suspended, but your standard insurance company might not be one of them. Instead, you may want to look into car insurance companies that specifically offer non-standard policies.

Even if your license has been suspended, you can still shop around for car insurance. Compare quotes now by entering your ZIP code to see what insurance companies will insure a suspended license.

Auto Insurance after Suspended License

“Can you get auto insurance once your driver’s license is suspended? Does your insurance go up if your license is suspended?”

If your suspension is over before it’s time to renew your car insurance policy, you can keep your policy as long as you don’t drive. Make sure you let your insurance company know that your license has been suspended.

Some companies will only offer you comprehensive insurance coverage while your license is suspended. This way, your repairs will be covered if your car is stolen, vandalized, or suffers damage from flood or hail. However, you still can’t drive your car during that time.

Your driving record is used to determine your auto insurance rates. Whatever the reason your license was suspended, your insurance rates will go up. Let’s look at just how much one accident, ticket, or DUI will affect your coverage rates.

Average Annual Auto Insurance Rates by Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Get Your Rates Quote Now

Compare RatesStart Now →

A clean driving record will cost you about $260 a month, but one DUI will increase that rate to about $400 a month. If you have enough violations on your record to get your license suspended, that rate will skyrocket further.

The following video explains how auto insurance companies look at your driving record.

In most states, infractions on your driving record will be removed in three to five years.

You may be wondering, “How long does a suspension affect insurance?” A suspension stays on your record for a certain amount of time from when it ends, not when it begins. Each state sets its own rules for how long a suspension stays on your record.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

How to Get Insurance After a Suspended License

If your driver’s license has been suspended, you can’t legally drive. Driving with a suspended license can result in additional fines, a longer suspension, or jail time.

The good news is that you have an alternative to driving illegally. According to NOLO, you can apply for a restricted or hardship license if your license has been suspended. This allows you to drive to places like work or the grocery store.

Car insurance for a restricted or suspended license will be expensive. Not every company will offer insurance to high-risk drivers. For companies like The General insurance, suspended license insurance is part of their normal offerings.

After your license has been suspended, many states will require you to get SR22 insurance coverage. The SR22 form is filed by your car insurance company and proves that you have auto insurance coverage for a certain amount of time. Filing fees are usually minimal, but your insurance company will raise your rates since you are a high-risk driver.

Even if your driver’s license has been suspended, you don’t want to have a lapse in car insurance coverage. If you can’t show consecutive auto insurance, your rates may continue to rise. Shop around for auto insurance to make sure you are getting the best deals. Enter your ZIP code now to compare auto insurance with a suspended license.

Frequently Asked Questions: Suspended License Auto Insurance

Now that you know more about finding affordable suspended license auto insurance, you’re likely ready to buy suspended license auto insurance. Just in case, however, take a look at some common questions below.

#1 – Will insurance cover an accident with a suspended license?

This depends on the company. If you are driving with a suspended license, you are doing so illegally. The insurance company can deny your claim based on that. However, some companies will still pay the claim as long as your insurance is still current. Check with your company to see what its policy is.

#2 – Can someone drive my car if my license is suspended?

Yes, someone else can drive your car if your license is suspended. This only applies if your car insurance is still up to date. If you don’t have coverage, no one can drive your car until it is insured.

#3 – What happens if you suspend your auto insurance?

Suspending your car insurance is like pushing pause. It should not cancel the insurance, but you can’t drive your car until you reactivate your policy. Some insurers won’t allow you to suspend your insurance, so be sure to check what their policy is.

References:

  1. https://www.nolo.com/legal-encyclopedia/driver-license-suspensions-32231.htmlLINK

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption