Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 25, 2020

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Here's what you need to know...

  • A suspended license affects car insurance rates
  • If your license has been suspended, you can expect your car insurance rates to increase
  • You will most likely have to prove that you have car insurance before your license suspension is lifted
  • You can still plan on comparing insurance rates to find the best plan for you

There are many factors that can affect someone’s car insurance rates. Car accidents, getting pulled over for speeding, and being convicted of a DUI are all situations that would raise a person’s car insurance cost. All of these can lead to a suspended license and will affect your car insurance rates.

But how does a suspended license affect you? Does a suspended license make your insurance go up? What insurance companies will insure a suspended license?

These answers depend on various factors, but it is safe to say that you can expect a rate increase if your license is suspended.

Getting quotes from multiple companies is the best way to keep those rates low, no matter your situation. Enter your ZIP code to compare car insurance rates after a suspended license.

Car Insurance After a Driver’s License Is Reinstated

After a driver that has had their license suspended for an extended period of time gets their license back, they might think that the hard part of the whole ordeal is over. However, often the trouble has just begun.

The first thing to consider is can you get an SR22 with a suspended license. An SR22 is a form provided by your car insurance company that states you have at least the minimum coverage required by law. Your car insurance provider will issue the form but it generally means a big rate increase.

How much do car insurance rates go up after a suspended license?

When the driver consults their car insurance provider they will most likely see that their car insurance rates have been increased significantly.

If the driver tries to find a lower car insurance rate with another provider, they will probably find it difficult.

Having car insurance is necessary, and often a driver has to show proof that they have car insurance lined up to get their suspended license back in the first place.

The suspended license will be shown on the driving history, and that will affect their car insurance rates for years.

This table shows you just how expensive your car insurance will get after receiving traffic tickets. These numbers are based on averages around the nation.

Average Annual Car Insurance Rates by Driving Record
CompaniesRates with Clean RecordRates with With 1 AccidentRates with With 1 DUIRates with With 1 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
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It’s easy to see from this table that just one traffic ticket can cost you hundreds. If you have multiple incidents, that will cost you thousands of dollars in fines and higher insurance rates.

How can I lower my car insurance rates after a suspension?

There are many things a driver can do to try and get lower car insurance rates even with a suspended license on their record.

The first is to not automatically stay with the car insurance provider they had before their license was suspended. It is very important for the driver to find car insurance quotes from multiple providers to see if there is a lower rate out there.

Once the driver finds a car insurance provider willing to give them a lower rate, it might be in the driver’s best interest to attend a defensive driving course.

Most car insurance providers already give a discount to their policyholders that have taken such a course, so they might be willing to extend a discount to the driver with a suspended license on their record.

A driver that is willing to take such a course is showing their car insurance provider that they are taking the steps necessary to become a more responsible driver.

There are a lot of car insurance discounts out there.

The most important thing working in the driver’s favor is time.

The longer a driver that has had a suspended license goes without having any other violations on their driving record, the better.

After some time with no more incidents, their car insurance provider might be more willing to reduce their car insurance rate.

The Effects of Having a Suspended Driver’s License

Sometimes a person will have their driver’s license suspended if they have misused their car. Someone who repeatedly ignores the rules of the road, is convicted of DUI, or has been involved in several accidents at-fault, like a hit-and-run accident, can have their driver’s license suspended. You can also get a suspended license due to insurance lapsing in some states.

There are many things that affect a driver who has a suspended driver’s license. On the surface, it might just seem like the driver is unable to drive until the suspension is lifted, but most people do not realize how much not being able to drive will affect their life.

How does a suspended driver’s license affect other people?

The obvious situations where not being able to drive would be the most felt is driving to work, driving kids to school, and not being able to go to visit friends and family. However, there are other less obvious situations that not everyone thinks of at first.

Driving to the grocery store, running errands, going shopping, attending religious services, and having the ability to assist the people in their lives would all be things that someone with a suspended driver’s license would not be able to legally do.

Public transportation might be an option for some, but someone who lives in a small town or a place that does not have a significant public transportation system would have to rely solely on the other drivers.

Beyond not being able to drive legally on their own, a person with a suspended license instantly becomes a burden to their friends and family, who could then become responsible for driving that person around.

What happens if you drive without a license or car insurance?

If the suspended driver decides to ignore the suspension and drive anyway, they are putting themselves at great risk. Driving with a suspended license affect insurance even more.

If the driver is caught driving with a suspended license, they could have their suspension lengthened, lose their driver’s license permanently, and, in extreme situations, even go to jail.

Another thing to be aware of is if your car insurance lapses while your license is suspended. Most states’ laws require that you carry at least minimum liability coverage.

What happens if you get in a wreck with a suspended license?

Having a car accident with a suspended license can greatly increase your troubles. You can face heavier charges, possible jail time, and greater fines. It’s also not a given that your insurance will cover an accident with a suspended license.

Driving without car insurance can have serious consequences also. This table breaks down by state the penalties if you are caught driving with no car insurance.

Penalties for Driving Without Car Insurance by State

StatePenalties for
First Driving Uninsured Offense
Penalties for
Second Driving Uninsured Offense
AlabamaFine: Up to $500; registration suspension with $200 reinstatement feeFine: Up to $1,000 and/or six-month license suspension; $400 reinstatement fee with four-month registration suspension
AlaskaLicense suspension for 90 daysLicense suspension for one year
ArizonaFine: $500 (or more); license/registration/license plate suspension for three monthsFine: $750 (or more within 36 months); license/registration/license plate suspension for six months
ArkansasFine: $50 to $250; suspended registration/no plates until proof of coverage plus $20 reinstatement fee; the court may order impoundmentFine: $250 to $500 fine — minimum fine mandatory; suspended registration/no plates until proof of coverage plus $20 reinstatement fee. The court may order impoundment.
CaliforniaFine: $100-$200 plus penalty assessments. The court may order impoundmentFine: $200-$500 within three years plus penalty assessments. The court may order impoundment
ColoradoFine: $500 minimum fine; 4 points against your license; license suspension until you can show proof to the DMV that you are insured. Courts may add up to 40 hours community service$1,000 minimum fine and license suspension for 4 months; 4 points against your license. Courts may add up to 40 hours of community service
ConnecticutFine: $100-$1000; suspended registration/license for one month (show proof of insurance) with $175 reinstatement feeFine: $100-$1000; suspended registration/license for six months (show proof of insurance) with $175 reinstatement fee
DelawareFine: $1500 minimum fine; license/privilege suspension for six monthsFine: $3000 minimum fine within three years; license/privilege suspension for six months
FloridaSuspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatementSuspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $250 fee for the second reinstatement
GeorgiaSuspended registration with a $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes dueWithin five years: Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due
HawaiiFine: $500 fine or community service granted by the judge. Either license suspension for three months or a required nonrefundable insurance policy in force for six monthsFine: $1500 minimum fine within five years; either license suspension for one year or a required non-refundable insurance policy in force for six months
IdahoFine: $75; license suspension until financial proof. No reinstatement fee.Fine: $1000 maximum fine within five years and/or no more than six months in jail; license suspension until financial proof. No reinstatement fee.
IllinoisFine: minimum of $500; License plate suspension until $100 reinstatement fee and insurance proofFine: minimum of $1,000; License plate suspension for four months; $100 reinstatement fee and insurance proof
IndianaLicense/registration suspension for 90 days to one yearWithin three years: license/registration suspension for one year
IowaFine: $500 if in an accident; Otherwise, fine: $250; community service in lieu of fine. Possible citation/warning if pulled over plus removal of plates and registration possible when pulled over without insurance and reissued upon payment of fine or completed community service, proof of insurance, and $15 fee; possible impoundment when pulled overN/A
KansasFine: $300 to $1000 and/or confinement in jail up to six months; license/registration suspension; reinstatement fee: $100Fine: $800 to $2500 within three years; license/registration suspension; reinstatement fee: $300 if revoked within previous year, otherwise $100
KentuckyFine: $500 to $1000 fine and/or sentenced up to 90 days in jail; license plates and registration revoked for one year or until proof of insurance is shownWithin five years: 180 days in jail and/or $1000 to $2500; license plates and registration revoked for one year or until proof of insurance is shown
LouisianaFine: $500 to $1000; If in a car accident, fine plus registration revoked and driving privileges suspended for 180 daysN/A
MaineFine: $100 to $500; suspension of license and registration until proof of insuranceN/A
MarylandLose license plates and vehicle registration privileges; pay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter; Pay a restoration fee of up to $25 for a vehicle's registrationN/A
MassachusettsFine: $500 to $5000 fine and/or imprisonment for one year or lessWithin six years: License/driving privileges suspended for one year
MichiganFine: $200 to $500 fine and/or imprisonment for one year or less; license suspension for 30 days or until proof of insurance; $25 service fee to Secretary of StateN/A
MinnesotaFine: $200 to $1000 (or community service) and/or imprisonment for up to 90 days; License and registration revoked for no more than 12 monthsN/A
MississippiFine: $1000; driving privileges suspended for one year or until proof of insuranceN/A
MissouriFour points against driving record; the driver may be supervised; suspended until proof of insurance with $20 reinstatement feeFour points against driving record; the driver may be supervised; suspended for 90 days with $200 reinstatement fee
MontanaFine: $250 to $500 fine and/or imprisonment for no more than 10 daysFine: $350 and/or imprisonment for no more than 10 days — within 5 years; license and registration revoked until proof of insurance and payment of reinstatement fees within 90 days
NebraskaLicense and registration suspension; reinstatement fee of $50 for each; proof of insurance to remain on file for three years
NevadaFine: $250 to $1,000 depending on the length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, an SR-22 (proof of financial responsibility) if lapsed more than 90 days; reinstatement fee: $250Fine: $500 to $1000 depending on the length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, SR-22 (proof of financial responsibility) if lapsed more than 90 days; Reinstatement fee: $500
New HampshireNot a mandatory insurance state. Proof of insurance may be required as the result of a conviction, crash involvement, or administrative action. If you are required to file proof of insurance and vehicles are registered in your name, you will be required to file an Owner’s SR-22 Certificate of Insurance.N/A
New JerseyFine: $300 to $1000; license suspension for one year; pay surcharges for three years in the amount of $250 per yearFine: up to $5000; two-year license suspension; 14-day, mandatory jail term, and an additional mandatory 30 days of community service
New MexicoFine: up to $300 and/or imprisoned for 90 days; license suspensionN/A
New YorkFine: up to $1500 if involved in accident plus $750 civil penalty; license and registration suspension – revoked for one year; suspension of the license if without
insurance for 90 days; suspension lasts as long as registration suspension; Suspension of registration: equal to time without insurance or pays $8/day up to thirty days for which financial security was not in effect, $10/day from the thirty-first to the sixtieth day $12/day from the sixtieth to the ninetieth day and proof of security is provided. Or for the same time as the vehicle was operated without insurance.
N/A
North CarolinaFine: $50; registration suspension until proof of financial responsibility but 30-day suspension if in a car accident or knowingly driving without insurance; $50 restoration fee plus license plate feeFine: $100 within three years; registration suspension until proof of financial responsibility but 30-day suspension if in a car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee
North DakotaFine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; Proof of insurance must be provided for one year; license with a
notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50, and the fee to remove
this notation is $50.
Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; license plates impounded until proof of insurance (provided for one year) plus $20 reinstatement fee; license with a notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50 and the fee to remove this notation is $50.
OhioLicense/plates/registration suspension until requirements are met and $100 reinstatement fee is paid; maintain special high-risk coverage on file with the BMV for three to five years; If involved in an accident without insurance: all above penalties and a security suspension for two-plus years and an indefinite judgment suspension (until all damages are satisfied)License/plates/registration suspension for one year; $300 reinstatement fee; maintain special high-risk coverage on file with the BMV for three or five years; if involved in an accident without insurance: all above penalties and a security suspension for two-plus years and an indefinite judgment suspension (until all damages are satisfied)
OklahomaFine: $250; jail time up to 30 days; license suspension with $275 reinstatement fee. Police can seize license plates and assign temporary plates and liability insurance — in effect for 10 days and can also impound the vehicle. The cost of the temporary coverage is added to the administrative fee and any fines paid for plates to be returned. If the car impounded, the owner must also pay towing and storage fees.N/A
OregonFine: $130-$1000 ($260 is the presumptive fine); If involved in an accident — at least a one-year license suspension; proof of financial responsibility required for three yearsN/A
PennsylvaniaRegistration suspended for three months (unless lapse was for less than 31 days and the vehicle not operated during that time); $88 restoration fee plus proof of insurance required to get it back; $500 civil penalty fee is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month periodN/A
Rhode IslandFine: $100 to $500; license and registration suspension up to three months; reinstatement fee: $30 to $50Fine: $500; license and registration suspension up to six months; reinstatement fee: $30 to $50
South CarolinaFine: $100-$200 or 30-day imprisonment; failure to surrender registration and plates when insurance lapses; license/registration suspended until proof of insurance plus $200 reinstatement feeFine: $200 and/or 30-day imprisonment — within 10 years; license/registration suspended until proof of insurance plus $200 reinstatement fee
South DakotaFine: $100 and/or 30 days imprisonment; license suspension for 30 days to one year; filing proof of insurance (SR-22) with the state for three years from the date of conviction. Failure to file proof will result in the suspension of vehicle registration, license plates, and driver license.N/A
TennesseePay $25 coverage failure fee within 30 days of notice; if not paid, then an additional $100 coverage failure fee with suspension or revocation of registration plus reinstatement fee of no more than $25N/A
TexasFine: $175 to $350 fine; plus, pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)Fine: $350 to $1000; pay up to a $250 surcharge every year for three years (may be reduced with certain requirements); suspend the driver's license and vehicle registrations of the person unless the person files and maintains evidence of financial responsibility with the department until the second anniversary of the date of the subsequent conviction; Impoundment: for 180 days and
cannot apply for the release of the car without evidence of financial responsibility and an impoundment fee of $15/day.
UtahFine: $400; license suspension until proof of insurance (maintained for three years) and $100 reinstatement feeFine: $1000 — with three years; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee
VermontFine: up to $500; license suspended until proof of insuranceN/A
VirginiaFine: may pay $500 Uninsured Motorists Vehicle fee to drive without insurance at your own risk. If this fee is not paid in lieu of insurance, all driving and vehicle registration privileges will be suspended until a $500 statutory fee is paid, proof of insurance is filed for three years, and a reinstatement fee (if applicable) is paidN/A
WashingtonFine: Up to $250 or moreN/A
West VirginiaFine: $200 to $5000; license suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty feeFine: $200-$5000 fine and/or 15 days to one year in jail — within five years; license suspended for 90 days and registration revoked until proof of insurance
WisconsinFine: up to $500N/A
WyomingFine: up to $750 fine and up to six months in jailN/A
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Make sure you speak with your car insurance company to know you are still covered and your car insurance has not lapsed. This will make your transition back to driving that much easier.

Having your driver’s license suspended comes with its own set of challenges. High car insurance rates don’t have to be one of them. The best way to get the best coverage at the cheapest rate is to get multiple quotes.

The good news is that you can start right now. Compare car insurance rates after a suspended license by entering your zip code below!

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Frequently Asked Questions

These are some of the more common questions asked about a suspended license and car insurance.

How long do suspensions affect car insurance?

A driver’s license suspension can affect your insurance for years. Depending on the violation, it can be on your record for more than five years.

Can someone drive my car if my license is suspended?

Yes, as long as your car insurance and vehicle registration are current, a licensed driver should be able to drive your car.

Can I get car insurance if my spouse has a suspended license?

Yes, you can still get car insurance coverage. However, you might want to look at getting a separate policy since rates can be factored together.

How to Get Car Insurance with a Suspended License

  • Having a suspended license will categorize you as a high-risk driver, but there are plenty of companies that will still insure you
  • In order to find a high-risk insurance rate you can afford, you’ll need to compare car insurance quotes online
  • You will have to meet your state’s SR-22 requirements in order to be properly insured after a suspended license

If you are trying to purchase car insurance, suspended license procedures need to be followed if you have found yourself in this situation.

You will have to take a bit more time to find an insurance company that will cover you and a rate you can afford, but you are not considered uninsurable.

In fact, in many states, you will be required to show proof of insurance before your license will be reinstated, especially if your license was suspended due to failure to carry enough insurance to meet state requirements.

Depending on the state you live in you will have to follow slightly different procedures for obtaining car insurance after having had your license suspended; however, it is possible to purchase an insurance policy even though you currently carry a suspended license.

In most cases, terms and conditions will apply to obtain the insurance and keeping the policy, and it will not come without added expenses. You will also have to pay all fines and fees associated with the suspension of your license.

Even with a suspended license, you can still get full coverage. Use our free search tool above to compare car insurance quotes near you!

License Suspended and Need Car Insurance?

There are many violations that could lead to a driver’s license suspension. Some are minor infractions that, when combined over several occurrences, may result in your license being suspended or revoked.

Other violations carry a much stiffer penalty and will result in the suspension or revocation of your license after just one instance.

Violations that may lead to a license suspension include:

  • Excessive speeding
  • Failure to obey traffic signs or lights
  • Failure to signal
  • Failure to wear your seatbelt
  • Passing a stopped school bus
  • Failure to yield the right of way to a pedestrian in a crosswalk
  • DUI/DWI
  • Vehicular Homicide
  • Reckless Driving
  • Driving without proper insurance

Having your license suspended for any of these reasons does not mean you will be denied insurance, however, you will automatically be seen as a high-risk driver to insure. Once you are placed in the high-risk category, you will find yourself paying much higher premiums.

Violating traffic laws does not simply mean paying a fine anymore. Insurance costs after a license suspension can be very pricey, but this is a cost you will have to find a way to pay if you wish to get your license reinstated and your driving freedom restored.

The good news is that if you keep your record clean you can begin to lower your premium once again.

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Suspended License Car Insurance Protocol

If you are in the market for car insurance but currently have a suspended license, you should begin by comparing car insurance rates from different insurance agencies.

You can do this online in just a matter of minutes. You will have to enter, as part of your basic information, that you currently have had your license suspended.

Some carriers will not offer policies to those with a suspended license, but you will still have many other companies to choose from who will offer insurance. Most companies will issue a temporary insurance policy for approximately 45 days.

Within that time you will have to provide proof that you are in the process of having your license reinstated and will have to obtain that license by the end of the time period or your policy can be canceled.

There are some companies that will not put stipulations on how long you have to obtain a reinstated license or require proof of your attempts to get your license reinstated, but these companies will often charge you even more for your policy.

Of course, if you are willing and able to pay the right amount, you will not need to worry about terms and conditions. Insurance, after all, is a money-making industry!

Other procedures and steps you may need to follow when you apply for insurance after having a suspended license include:

  • Taking a defensive driving course
  • Applying for a temporary driving permit before having your license fully reinstated
  • Keeping your driving record clean to avoid termination of your policy and eventually lower your premium again

 SR-22 Insurance

If your license has been suspended and you are trying to have it reinstated most states will not allow you to do so until your insurance company has filed an SR-22 form proving that you are carrying sufficient insurance as required by law in that state.

You will have a given amount of time in which you will have to continue proving that you meet the SR-22 requirements.

If you move out of state, you will still need to provide proof to the state you filed the SR-22 in that you are meeting the requirements until the stated time period has elapsed.

The only states that do not require an SR-22 filing are:

  • Delaware
  • Kentucky
  • Minnesota
  • New Mexico
  • Oklahoma
  • Pennsylvania
  • New York
  • North Carolina

Suspended Licenses are Not a Deal Breaker, but a Headache

Although you can obtain car insurance when your license has been suspended, the long process of doing so means you should do anything you can to avoid having your license suspended.

Defensive driving is not only safer for you, your passengers, and others on the road; it can save you a lot of stress and money in the long run.

Keep that in mind the next time you are running late and speeding down the highway or thinking about having that extra glass of wine before driving home from the office party.

Avoiding a DUI or other high-risk driving behaviors is worth it.

Need SR-22 car insurance for your suspended license? Just enter your zip code for free car insurance quotes now!

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Car Insurance with a Suspended License

Car insurance with a suspended license is more expensive and harder to find. Depending on your state, you may need SR-22 coverage.

  • If your license is suspended and you have 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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Car Insurance with a Suspended License

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

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 a 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.

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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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Suspended License Car Insurance Rates

You can find cheap car insurance rates if you’ve had a suspended license, but it will not be easy. A suspended license increases car insurance rates by $92.17/mo on average.

  • Your insurance company might cancel your coverage for a few different reasons
  • Not paying your premiums is one reason your insurance may be suspended
  • Risky driving habits will almost certainly lead to suspended car insurance
  • Driving uninsured is risky and illegal, even during lapse periods

Car insurance companies are usually more than willing to work with you through financial difficulty if you are an established customer.

However, non-payment is not the only reason that an insurance company might cancel your insurance.

Typically, if you are current on your account and a long-standing customer, then the only way that your insurance would be suspended is if you have become a driver who is too risky to insure.

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High-Risk Behavior that Can Lead to Suspended Car Insurance

If you have had multiple DUI convictions, then it is possible that your insurance company will drop you from their policy

In most states, when a person is convicted of a DUI, they are required to provide an SR-22 form to their insurance company.

The insurance company then fills it out and sends it to the state. This is your proof of insurance for the state in which you live.

In most cases, one DUI will not cause your insurance to be suspended.

Car insurance companies will usually raise your rates because you have become a high-risk customer, but they will keep you on, especially if you are a long-term customer.

If, however, you have multiple DUIs, then you can expect to have your insurance suspended.

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Other Issues that May Result in Suspended Car Insurance

  • Multiple claims – If you have multiple incidents, then your company will reevaluate and possibly suspend your policy. Typically, they will simply refuse to renew your policy at your renewal time rather than canceling your policy mid-contract
  • Too many points – You may also find that if you sustain a lot of points on your driver’s license, then your insurance company may choose to suspend your car insurance. Again, you may learn that your policy will not be renewed rather than being dropped in the middle of your policy
  • Bad credit score – The truth is that most insurance companies won’t suspend your car insurance if your credit is bad; they will simply charge you more for their services. However, bad credit is one of the reasons that they can deny you coverage

What to Do About Your Suspended Car Insurance

If your car insurance is suspended, car insurance companies are required by law to tell you why they won’t cover you any longer.

You do have to request this information in writing if you are considering filing a complaint against the company.

If your insurance has been suspended because of high-risk driving, talk to your insurance company about taking classes that will allow you to get reinstated.

Many insurance companies have approved courses that they encourage their drivers to take. If you take these courses to show that you are changing your habits, the insurance company may reconsider their action.

There may not be anything that you can do about your suspended car insurance with your current company.

However, you can start getting quotes from other insurance companies to see if you can purchase insurance from another company.

Although these companies will check your claims history using the CLUE (Comprehensive Loss Underwriting Exchange) database, sometimes if an insurance company isn’t the company that paid those claims, they are more willing to provide you with insurance coverage.

What to do When Everyone Says No

If things are really bad on your driving record you may be facing a situation where every insurance company you get a quote from says no to you about getting car insurance.

Fortunately, there are still a couple of other options for you to consider:

Your first option is to check out high-risk insurance companies. There are companies that specifically write policies for people with DUIs, although they usually say they specialize in SR-22 cases.

These companies are far more expensive than traditional insurance because all of their clientele are high-risk drivers for one reason or another.

Another option is to check to see if your state offers state-sponsored auto insurance. Not every state has this available, however.

No matter what your situation happens to be, you need auto insurance quotes before you purchase your insurance.

You can get free car insurance quotes right now by entering your ZIP code!

References:

  1. https://drivinglaws.aaa.com/tag/liability-laws/
  2. http://www.osbar.org/public/legalinfo/1275_SuspendedLicense.htm
  3. https://www.responsibility.org/alcohol-statistics/state-map/state/delaware/issue/dui-look-back-periods/
  4. http://www.nolo.com/legal-encyclopedia/question-dui-felony-28099.html