How does a suspended license affect car insurance rates?

A suspended license affects car insurance rates, increasing them by $120.25 per month on average. Suspended license car insurance is simply a car insurance policy designed for drivers who have suspended driver's licenses. Most states will require SR-22 insurance before reinstating your driver's license. The fewer points deducted from your driver's license, the faster suspended license reinstatement can happen. A suspended license can last up to 120 days depending on the conditions of your suspension.

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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: Jan 18, 2021

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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 compare insurance rates to find the best plan for you.

If my license is suspended, can I get car insurance? If so, how does a suspended license affect car insurance rates?

If you have a suspended license, car insurance rates are likely to be expensive. Many factors affect a driver’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.

These offenses can lead to a suspended license and will affect your ability to find cheap car insurance.

But how does a suspended license affect you? Does a suspended license make your insurance go up? With a suspended license, car insurance becomes a little more complicated. It’s safe to say that you can expect a rate increase.

Continue reading to learn what car insurance companies will charge based on a suspended license.

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

How does a suspended license affect car insurance rates?

If you’re wondering how to get car insurance with a suspended license, take a look at the breakdown below.

  • Having a suspended license will categorize you as a high-risk driver, but there are plenty of companies that will still insure you.
  • 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 to be properly insured after a suspended license.

You will likely have to spend more time finding affordable suspended license car insurance. But you’re not considered uninsurable.

A suspended driver’s license could disqualify you from your current car insurance policy, and it could make it difficult for you to get another one. If your driver’s license is suspended, you’ll need SR-22 car insurance through your insurance provider.

SR-22 auto insurance is one of the usual requirements for suspended license reinstatement. You may also have to enroll in driver safety courses and pay fines issued by your local Department of Motor Vehicles and court.

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

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 $120.25 per month on average.

  • Your insurance company might cancel your coverage for a few different reasons.
  • Not paying your rates is one reason your insurance may be suspended.
  • Risky driving habits will almost certainly lead to suspended car insurance.
  • Driving without insurance 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’re an established customer.

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

If you are current on your account and a long-standing customer, the only reason that your insurance might be suspended is if you have become too risky to insure for some reason.

Often, a driver has to show proof that they have car insurance lined up to get their suspended license back.

The suspended license will be shown on the person’s driving history, affecting their car insurance rates for years.

This table shows you just how expensive your car insurance may become after having your license suspended. These numbers are based on averages around the country.

Average Annual Suspended License Car Insurance Rates
CompanyAverage Annual Rates Before Suspended LicenseAverage Annual Rates After Suspended LicenseCar Insurance Rates Percent IncreaseCar Insurance Rates Increase
Allstate$1,888$2,53826%$650
Farmers$1,524$2,77245%$1,246
GEICO$1,276$2,21842%$940
Liberty Mutual$1,646$2,51635%$868
Nationwide$1,346$3,03456%$1,688
Progressive$1,604$2,38233%$778
State Farm$1,312$1,90031%$586
USAA$948$1,63442%$686
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It’s easy to see from this table that a suspended license will increase your auto insurance rates by hundreds of dollars. Finding cheaper auto insurance will be a challenge.

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.

Continue reading to learn how you can lower your car insurance rates.

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

There are many things you can do to get lower car insurance rates, even with a suspended license on your record.

The first is to not automatically stay with the car insurance provider you had before your license was suspended. Get car insurance quotes from multiple providers to see if lower rates are available.

Once you find a car insurance provider willing to give you a lower rate, it might be in your best interest to attend a defensive driving course.

Most car insurance companies award discounts to customers that have taken a driver safety course. This discount can help if you’re paying higher rates because of a suspended license on your record.

Your willingness to take such a course shows your car insurance provider that you’re taking the steps necessary to become a more responsible driver.

There are a lot of car insurance discounts out there, so do your research or talk to an agent about what you might be eligible for.

The most important thing working in your favor is time.

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

After some time passes with no further infractions, car insurance providers might be more willing to lower car insurance rates.

You can also consider lowering your car insurance coverage. If you are the only driver of your vehicle, you can consider just having comprehensive coverage since no one will be driving. Comprehensive coverage will help with any damages not from a collision, like theft, vandalism, or acts of nature.

What does car insurance look like after a driver’s license is reinstated?

After a driver that 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 whether you can get SR-22 insurance with a suspended license. An SR-22 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.

You will be required to show proof of insurance before your license will be reinstated in some states. This is definitely something to consider 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 your license suspended. However, it’s possible to purchase an insurance policy even though you currently carry a suspended license.

Terms and conditions will apply to obtain insurance and keep your policy. It won’t 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.

Do car insurance companies run your license?

Car insurance companies have to know whether you’re a licensed driver. They’ll use your driver’s license to learn more about your driving record. If you can’t present your driver’s license, an auto insurance company may deny you coverage.

If you happen to have a bad driving record, some companies may deny you coverage. If you’ve had a suspended license, The General Insurance may be more willing to work with you than other companies.

Can a car insurance company suspend your license?

Does GEICO suspend licenses? Do other companies? Car insurance companies like GEICO can’t suspend your license. Only the DMV can suspend a license.

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What is the suspended license car insurance protocol?

Can someone with a suspended license get auto insurance? Suppose you’re in the market for car insurance but currently have a suspended license. In that case, you should begin by comparing car insurance rates from different insurance agencies.

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

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

Within 45 days, you’ll have to prove that you’re in the process of having your license reinstated. You’ll also have to obtain that license by the end of the time or your policy can be canceled.

Some companies won’t stipulate how long you have to obtain a reinstated license or require proof of your attempts to reinstate your license. These companies will often charge you even more for your policy.

Of course, if you’re 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 driver safety training course
  • Applying for a temporary driving permit before having your license reinstated
  • Keeping your driving record clean to avoid termination of your policy and eventually lower your rates again

Each state will be different so make sure to find out the rules where you live.

What is SR-22 car insurance?

Most states won’t allow you to get your license reinstated until your insurance company has provided an SR-22 form demonstrating that you’re carrying sufficient insurance as required by law in that state.

There will be a designated period of time during which you will have to maintain the SR-22 requirements

If you move out of state, you will still need to prove to the state you filed the SR-22 in that you are meeting the requirements until that 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

But the majority of states do require it.

What are 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 constantly ignores the traffic laws is convicted of DUI, or has been involved in several at-fault accidents can have their driver’s license suspended. You can also get a suspended license due to your insurance lapsing in some states.

How long does a suspended license affect insurance? A suspended license can affect your car insurance policy for up to three years, even if you’ve reinstated your license.

A suspended driver’s license can cause all kinds of problems. On the surface, it might just seem like the driver is unable to drive until the suspension is lifted. Most people don’t realize how much not being able to drive will affect their life. Read on to learn more about car insurance after a suspended license.

How will having a suspended driver’s license affect me?

The obvious problem is that you won’t be able to drive to work, school, or anywhere else you need to go. However, there are other, less obvious situations that not everyone thinks of at first.

Public transportation might be an option for some. Someone who lives in a small town or a place that doesn’t have a significant public transportation system would have to rely solely on the other drivers.

A person with a suspended license can become a burden to their friends and family.

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

If the suspended driver decides to ignore the suspension and drive anyway, they put themselves at great risk. If you get caught driving with a suspended license, it will affect your insurance even more.

According to the Oregon State Bar System, anyone who’s caught driving with a suspended driver’s license could have their suspension period extended. Also, they could lose their driver’s license permanently, or they could go to jail.

Another thing to be aware of is that you don’t want to let your car insurance lapse 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?

Will car insurance cover an accident if I have a suspended license?

This can be complicated. If your license is suspended, you shouldn’t drive any vehicle. Therefore, an accident with a suspended license may not be covered by your insurance. Driving with a suspended license may result in your license being revoked.

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

It’s also important to note that driving with suspended car insurance or no proof of insurance will make matters worse.

Driving without car insurance can have serious consequences. This table breaks down by state the penalties you might see 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 yearsN/A
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 ask if you are still covered. 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 in the comparison tool above.

Can you buy, register, or rent a car with a suspended license?

You don’t need a license to buy a car, but you won’t be able to drive it off the lot. You will need someone else to provide insurance and drive the vehicle until your license is reinstated. You will also need that person to help you register the car, which also requires insurance.

Rental car companies will not allow you to rent a car without a license.

What are the reasons for a suspended license?

Driver’s licenses can be suspended for various reasons, and they each may have a different impact on your car insurance.

For example, suppose your license is suspended because of drunk driving. In that case, your car insurance company will 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 rates based on your credit score or other financial factors.

Every state has different laws, but there are similarities in licensing, suspension, and revocation.

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 a traffic court summons or for not paying your fines.

Multiple violations could lead to a driver’s license suspension. Sometimes minor infractions may result in your license being suspended or revoked when combined over several occurrences. (Is revoked and suspended the same thing? No – revocation is permanent.)

Other violations carry a much stiffer penalty and 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’re placed in the high-risk category, you’ll find yourself paying much higher rates.

Violating traffic laws does not simply mean paying a fine anymore. Car insurance costs after a license suspension are expensive, but this is a cost you will have to find a way to pay if you need to get your license reinstated.

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

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Should you suspend your car insurance?

What happens if you suspend your car insurance? Do you even need to have car insurance if your license is suspended?

When you suspend your car insurance, it means you’ve paused your car insurance coverage but haven’t canceled your policy.

We want to be clear that car insurance for a restricted license is not the same as a suspended license. A restricted license is designed to restrict specific drivers from driving at night or under other conditions.

If you have a suspended license, there may be little reason to insure your car, unless it is driven by someone else.

If you are the only driver in the car and your license gets suspended, you may want to think about suspending your insurance.

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

If my license is suspended in the middle of my car insurance policy, am I still covered? The answer is probably not although your car insurance will still be active. Most insurance companies put a clause in the policy stating insurance won’t cover you if you are driving with a suspended license.

However, if you have more than one driver on the policy, your policy will still cover the additional drivers.

If your car insurance doesn’t get suspended automatically with your license, then you have the option of suspending your insurance.

While this saves you the unnecessary expense of insuring a car you cannot drive, it 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 various reasons, such as your car being out of commission while traveling overseas.

Check with your agent about your options. It’s not easy to obtain insurance with a suspended, so it may be easier to keep the insurance you have and keep paying your rate, even while the car is not being driven.

What are other issues that may result in suspended car insurance?

Let’s review some other problems that could lead to your insurance company suspending your coverage.

  • Multiple claims – If you have multiple incidents, 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 – If you sustain a lot of points on your driver’s license, then your insurance company may choose to suspend your car insurance. Your policy will not be renewed rather than being dropped in the middle of your policy.
  • Bad credit score – Most insurance companies won’t suspend your car insurance if your credit is bad. They will charge you more for their services. However, bad credit is one of the reasons that they can deny you coverage.

Make sure you stay on top of your driving record and credit history to keep your car insurance rates low.

What should you 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 consider 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 suspending your coverage.

However, there may be nothing you can do about your suspended car insurance with your current company.

If that’s the case, you can start getting quotes from other insurance companies to see what else is available.

Car insurance companies will check your claims history using the Comprehensive Loss Underwriting Exchange (CLUE) database. If you’ve filed a lot of claims, it may be more difficult for you to find coverage, but it won’t be impossible.

How does a suspended license affect car insurance? The Bottom Line

Although you can obtain car insurance when your driver’s license has been suspended, you should avoid having your license suspended at all costs.

Safe, defensive driving could save your life or someone else’s, and it can also 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.

If you have a bad driving record, you may be facing a denial of insurance from several auto insurance companies. Fortunately, there are still a couple of other options for you to consider.

Your first option is to check out high-risk insurance companies. Some companies specifically write policies for people with DUIs, although they usually specialize in SR-22 cases. The General Insurance is known for giving policies to drivers with a suspended license.

These companies are far more expensive than traditional insurance because their clientele is made up of high-risk drivers.

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 purchasing your insurance. Shop around to compare suspended license car insurance quotes.

Find suspended license car insurance companies by entering your ZIP code in the free online quote tool below.

Frequently Asked Questions: Suspended License Car Insurance

These are some of the more common questions asked about driving,  suspended licenses, and car insurance.

#1 – 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.

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

Yes, you can still get car insurance coverage if your spouse has a suspended license. However, you might want to look into getting a separate policy since rates can be factored together.

#3 – Is a suspended license still considered valid?

It’s valid, but specific conditions must be met to get your license reinstated.

#4 – Why did my license get suspended?

Your license may have gotten suspended for a gap in car insurance coverage, too many accidents, too many traffic violations, a conviction of reckless driving, or a conviction of DUI/DWI.

How can I find out if my license is suspended? If you don’t know if your license was suspended, check with your local DMV.

#5 – What is the best car insurance company for high-risk drivers?

GEICO and The General Insurance have the best insurance for high-risk drivers.

#6 – Can you get a license suspension reduced?

Yes. A first-time offender may have their suspension reduced. For example, your license suspension can be reduced from 120 days to 60 days if it’s your first offense.

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