Car Insurance with a Conditional License

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Here's what you need to know...
  • A conditional driver’s license is normally issued either because of a person’s age or because he/she committed a serious traffic violation
  • You can still find insurance coverage for your car with a conditional driver’s license, but your rates will be drastically higher than normal
  • If you are given a conditional license, be sure to follow the rules and regulations to help clear your driving record


Having a conditional driver’s license doesn’t automatically disqualify you from purchasing car insurance, but it can make things more difficult depending on circumstances.

With the exception of new drivers, having a conditional license means you’ve done something which the state considers a sufficient reason to restrict your driving activities.

Insurance companies know that and tend to be a lot more cautious in providing you with coverage.

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In cases where you’re still able to get car insurance with a conditional license, be prepared to pay substantially higher rates. The only way to reduce your premiums is to obey the restrictions placed upon your license and keep a clean record from that point forward.

The only way to reduce your premiums is to obey the restrictions placed upon your license and keep a clean record from that point forward.

In due time, when full driving privileges have been restored, you should see a reduction in your rates as long as you continue to drive safely and legally.

What exactly is a conditional license?

Driving School - Young woman steer a car, maybe she has a driving test, she holding proudly her driving license then she has passed

Simply put, a conditional driver’s license is one that places certain restrictions on the holder.

There are basically two types: one for new drivers and one for experienced drivers who are guilty of certain offenses.

Where young drivers are concerned, many states place restrictions on brand-new license holders under the age of 21.

This type of conditional license usually restricts the time of day such new drivers can operate a vehicle as well as who can be in the vehicle with them.

This license is designed to mitigate the potential for accidents while new drivers are still honing their skills.

A conditional license issued to experienced drivers is usually the result of serious traffic offenses such as DWI.

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In many states, this conditional license will be classified as “business use only,” which would allow an individual to drive to and from work and possibly to and from church services.

Any other driving would be considered illegal and grounds for arrest and prosecution.

A conditional license is sometimes also issued for repeat speeding violations, reckless endangerment, hit and run, and the like.

How much higher will my insurance rates be with a conditional license?

Assuming you can find an insurance company willing to issue a policy, you can expect to be put in the highest-risk driver pool possible. This risk pool carries the highest rates.

You’ll probably remain in the pool as long as the conditional license is in force.

If you can’t find an insurance company willing to write you a policy, it may be possible to have your car registered and insured by a relative instead.

When conditional driver’s licenses are issued to new drivers, insurance rates don’t go up per se.

Of course, adding a new driver to a parent’s policy will add to the cost, but that cost is simply related to another driver being added to the policy.

It’s also unlikely that receiving a full driver’s license at the appropriate age will cause a reduction in the rates for that child. Parents can expect the amount they pay for their child to remain the same while he lives at home and drive their cars.

What if I’m caught violating the terms of my conditional driver’s license?

A police officer standing by traffic

Conditional driver’s licenses are a serious matter and should not be taken lightly.

If you are caught violating the terms, your license will most likely be suspended or revoked entirely.

On a suspended license you may still be able to continue paying on your current insurance policy in order to keep it in force. The license revocation will almost always result in dropped insurance coverage and canceled vehicle registration.

At such time as you meet the requirements for a new driver’s license, you will more or less be starting over in the system.

But the record of the suspension or revocation will still put you into a high-risk pool and keep you there for some time.

As long as you’re in that pool, you can expect to pay the highest insurance rates among any drivers on the road. The only way to avoid such a scenario is to obey the restrictions of your conditional license throughout its term.

Because driving on public roads is an inherently dangerous activity, states do what they can to ensure drivers remain safe at all times.

A conditional license usually demonstrates a violation of safety standards, which needs to be addressed before an individual driver can be trusted again.

If you’ve been given a conditional license, the best thing you can do is behave yourself on the road and earn the right to have full driving privileges restored.

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