Car Insurance with a Suspended License

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Joel Ohman
Founder, CFP®

UPDATED: Dec 16, 2019

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Here's what you need to know...
  • If your license is suspended and you have an insurance on your car, consider maintaining the policy
  • It is possible to find coverage with a suspended license, but it will often cost more
  • Not all companies file the SR22 form

Not every car insurance company will issue an insurance policy if you have a suspended license, but if you don’t have car insurance, it is not easy to get your license reinstated.

The solution for car insurance with a suspended license is usually the SR22.

The SR22 is proof of insurance that the insurance company sends to the Department of Motor Vehicles to get your suspended license reinstated when the suspension term is lifted.

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Insuring a Car with a Suspended License

If you have a suspended license, there may be little reason to insure a car unless there are other drivers on the car.

If you are the only driver on the car and your license gets suspended, you may want to consider suspending your insurance as well.

However, before you call your agent and request a temporary suspension, find out the advantages and disadvantages.

If your car insurance does not get suspended automatically with your license, then you have the option of suspending your insurance on your own.

While this saves you the unnecessary expense of insuring a car you cannot drive, it also means that getting insurance again could be difficult and more expensive.

Some insurance companies allow you to place a hold on your insurance.

This hold can be done for a variety of reasons, such as your car being out of commission while traveling overseas.

Your car insurance policy may allow you to place a hold on your insurance in the event your license is suspended; although more than likely, if your license is suspended, your insurance will ultimately end up costing you more money when you do start driving again.

Check with your agent for your various options. It is not easy to obtain insurance with a suspended license, so it may be easier to keep the insurance you have and pay the premiums even while the car is not being driven — especially if there will be no impact on your current policy based on your suspended license.

Reasons for a Suspended License


Driving licenses can be suspended for a variety of reasons, and they each may have a different impact on your car insurance.

For example, if your license is suspended because of drunk driving, then your car insurance company is going to consider you a high risk and charge you more money.

If your license is suspended because of past-due child support, then your insurance agent may or may not raise your premiums based on your credit score or other financial aspects.

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Every state has different laws, but there are similarities when it comes to license suspension and revocation.

One of the biggest reasons your driver’s license can be suspended is for any driving violation related to alcohol.

If you get a DUI, your license will be suspended, but your license could even be suspended for refusing to take a blood-alcohol content test even if you are not under the influence.

Leaving the scene of an accident or not filing a police report for an accident is also cause for license suspension.

Other reasons include excessive speeding and reckless driving.

Your license can also be suspended for failure to respond to traffic court summons or for not paying your fines.

SR-22 Coverage for a Suspended License



If your license has been suspended, you will need to prove you have car insurance before your license can be reinstated.

If you lost your insurance because of your suspension or if you didn’t have insurance to begin with (which is cause for a driver’s license to be suspended), then you will most likely need an SR-22 form.

SR-22 is not an actual car insurance policy.

It is proof that you have obtained the necessary insurance coverage required by law to have your license reinstated when your suspension term expires.

The SR-22 form is sent by the insurance company to the Department of Motor Vehicles (DMV) to demonstrate that you have purchased the required coverage.

If your insurance is terminated, the insurance company will notify the DMV of that as well.

Not every insurance company offers the SR22 form, so you may need to shop around for an insurance company that does.

The insurance for SR22 coverage is typically higher in premiums than other insurance policies because you are considered a higher risk if your license is suspended.

However, it is possible to get lower rates from certain insurance companies.

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