Compare Car Insurance Rates After a Suspended License [2023]

Having your driver’s license suspended can be a stressful experience. Reinstating your license can become tedious, depending on why it was suspended in the first place. In addition, having a suspended license can result in other long-term consequences. 

For example, a suspended license can have a significant impact on your auto insurance rates. If your driver’s license gets suspended, insurance companies won’t provide coverage if you’re not able to drive. Compare car insurance rates after a suspended license to get the best coverage. 

If you obtain a restricted license or an SR-22, your rates may be significantly higher, regardless of the insurance company you choose. In this guide, we’ll cover everything you need to know about securing auto insurance with a suspended license and where to get cheap SR-22 insurance.

What is a suspended license?

A suspended license is a driving license that has been temporarily withdrawn by the state. The suspension can be for a variety of reasons, including failure to pay child support, DUIs, or other traffic violations. 

A person with a suspended license typically cannot drive for a period of time. In some states, a driver may be able to get a restricted license that allows them to drive to and from work or school.

Driving with a suspended license can result in a wide range of legal penalties. Some states treat it as a misdemeanor offense. In others, it is a felony. The penalties can include jail time, fines, and an extended suspension of the person’s license. 

To reinstate your license, you’ll generally need to fulfill the requirements of your suspension sentence, such as paying any outstanding fines. You may also need to take a driving test or complete a driver’s education course. 

The process for reinstating your license can vary depending on the state in which you live. Ultimately, you’ll still need suspended license insurance if you plan on driving with a restricted license.  

A suspended license usually means you will pay higher auto insurance rates because of your driving record. There are car insurance companies that accept felons, though. 

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What is the best way to get cheap car insurance with a suspended license?

It may seem tempting to stay with your current insurance company, but the best way to get cheap car insurance with a suspended license is to shop around for different rates. Insurance companies set their rates based on your driving history and other factors. 

Because a suspended license is a high-risk driver violation, you are more likely to have an accident or get a ticket, which will cause your rates to go up. 

With that said, the best way to get cheap insurance for suspended licenses is to shop around and compare rates from different companies.

Car Insurance Rates for DUIs and Speeding Tickets

You will likely have your license suspended if you have reckless driving or a DUI on your record. Car insurance rates will spike if you’ve received multiple speeding tickets or are convicted of a DUI. Finding the best car insurance for drivers with a DUI will require research. Here is how much you can expect to spend on auto insurance if you fit this category. 

Multiple speeding tickets and DUIs prove to insurance companies that you’re an at-risk driver, which is why your rates will increase.

How To Get Auto Insurance with a Suspended License

Auto insurance companies typically charge much higher rates for drivers with a suspended license. It considers them high-risk and, therefore, more likely to file a claim, which is why high-risk car insurance is so expensive.

However, some auto insurance companies specialize in providing coverage for high-risk drivers. 

If you have a suspended license, you will most likely need to get what’s called SR-22 insurance. An SR-22 is a certificate of financial responsibility that proves you have the minimum amount of car insurance required by your state. 

To get an SR-22, you’ll need to contact your auto insurance company and let them know that you need one. You may be required to pay a higher premium, but it’s still possible to find affordable SR-22 insurance if you shop around. 

Here are a few tips to help you get the coverage you need:

• Shop around and compare rates from different insurers. Just because you have a suspended license doesn’t mean you have to pay through the nose for car insurance. There are plenty of companies that offer affordable rates to high-risk drivers.
• Ask about discounts. Even if you’re considered high-risk, you may still be eligible for car insurance discounts on your monthly rates. For example, many insurers offer a safe driver discount to drivers who have not had any accidents or traffic violations in a certain period of time.
• Consider usage-based insurance. Also called pay-as-you-go insurance, this type of policy charges you based on how much you actually drive. Since high-risk drivers tend to drive less, this can be a more affordable option than a traditional policy. Learn more about car insurance by the mile before buying a policy. 

If you have a suspended license, it’s important to get the car insurance coverage you need. By shopping around and comparing rates, you can find an affordable policy that will give you the peace of mind you need on the road.

How to Obtain SR-22 Insurance

SR-22 insurance is a high-risk auto insurance policy that provides liability coverage to drivers who have been convicted of serious traffic violations or involved in multiple accidents. 

The SR-22 form is filed by the insurance company with the state DMV as proof that the driver has the required insurance coverage. If you are required to carry SR-22 insurance, you will need to purchase it from an insurance company that offers this type of coverage. 

Not all insurers offer SR-22 policies, so you may need to shop around to find one that does. Once you have found a local insurer offering SR-22 coverage, you will need to purchase a policy and have the SR-22 form filed with your state DMV. 

Suppose you are required to carry SR-22 insurance, and you do not maintain the policy or allow it to lapse. In that case, your state DMV will suspend your driver’s license again. 

SR-22 insurance is typically more expensive than regular auto insurance, so it is important to shop around for the best rates. You can get quotes from several different insurers to compare rates. Be sure to ask about any discounts that may be available, such as for a clean driving record. Compare car insurance rates with a bad driving record if you’re someone who has a lot of violations on their record. 

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Why should you maintain car insurance while your license is suspended?

Car insurance is an important part of owning a vehicle. It helps to protect you financially in the event of an accident or other mishap. If your license is suspended, you may still be required to maintain car insurance by your state’s Department of Motor Vehicles (DMV). 

Additionally, your lender may require you to keep insurance with a suspended license on the vehicle if you have a loan or lease. Maintaining car insurance while your license is suspended can help you avoid costly penalties and fees.

It’s also important to mention that a gap in coverage could cause your rates to rise in the future. This is because insurance companies perceive drivers with a lapse in coverage as higher risk. 

So, if you’re able to maintain your car insurance while your license is suspended, you could save yourself money down the road. If you’re struggling to afford your car insurance payments, you could change your coverage. 

For example, you could remove your comprehensive coverage to lower costs, especially if your car isn’t worth a ton of money. You could also talk to your insurance company about a payment plan. 

No matter what, it’s important to be proactive and understand your options when your license is suspended. Maintaining car insurance for suspended licenses is one way to help make sure you’re protected financially if something happens.

How to Apply for a Restricted or Conditional License

If your license has been suspended or revoked, you may be eligible to apply for a restricted or conditional license. Depending on the offense, the requirements to apply for this type of license may vary. It also takes some extra research and time when buying car insurance with a conditional license. 

For example, if your license was suspended due to a DUI offense, you will likely need to complete an alcohol treatment program before being eligible to apply for a restricted license. 

If you are unsure of whether or not you are eligible to apply for a restricted or conditional license, you should contact your local DMV office. They will be able to advise you on the specific requirements of your situation. 

Once you have gathered all of the necessary documentation, you will need to fill out an application form. This form can be obtained at your local DMV office or online. 

After your application has been processed, you will be notified of the decision. You will be issued a restricted or conditional license if your application is approved. This license will come with certain conditions that you must adhere to. Failure to comply could result in it being suspended or revoked. 

For more information on applying for a restricted or conditional license, contact your local DMV office.

Can you rent a car with a suspended license?

The short answer to this question is no. You can’t rent a car with a suspended license. Car rental companies and state agencies won’t allow this for many reasons. 

The first is that it’s illegal to drive with a suspended license. If you’re caught doing this, you could be fined, arrested, or have your car impounded. This would cause major problems for the rental company, so they won’t allow it. Can you get your car impounded for no insurance? Make sure you know the laws in your area. 

Another reason is that it’s simply too risky. The rental company could be held liable if you get into an accident while driving a rental car with a suspended license. These companies don’t want to take that risk, so they won’t allow it.

So if you have a suspended license, you’ll need to find another way to get around. You can try public transportation, ride-sharing services, or getting a friend or family member to drive you.

Rental car companies have access to state databases to ensure your license is valid before lending you a car. You’ll likely be denied if you try to rent a car with a suspended license. Also, you could face serious penalties if you’re caught driving a rental car with a suspended license.

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Can you buy a car with a suspended license?

The answer to this question is complicated. Legally, you can buy a car without a driver’s license. If you buy a car from a dealership, you can purchase a vehicle. However, you won’t be able to leave the lot with the car until your license is reinstated.  

In some states, you can’t register a car without a driver’s license. So, while you may be able to buy a car with a suspended license, you won’t be able to drive it until your license is reinstated. Compare car insurance companies that insure unlicensed drivers for more information. 

There are some ways around this, however. You could have the car delivered to your house or have someone else drive it off the lot for you. Ultimately, if you want to drive the car, you’ll need to get your license back first.

Now, a loophole would be to buy a car from a private seller. You could technically do this without a driver’s license. Nonetheless, registering your car could prove difficult if your license is still suspended. 

Overall, it’s best to reinstate your license before buying a car. This way, you can have peace of mind knowing you can avoid the headache of legal trouble during the purchase.

Can you register a car with a suspended license?

Most states will generally allow people to register a vehicle with a suspended license. In most cases, all you’ll need is photo identification and your vehicle’s title of ownership.  

You may also be required to provide proof of insurance. If your license is suspended, you’ll likely need to get a letter from the court or DMV indicating that your license is in good standing before you’re able to register a vehicle.

Again, driving a vehicle with a suspended license is illegal in most states. So even if you can register the car, you shouldn’t actually drive it until your license is reinstated. This can result in suspended registration.

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