Compare Car Insurance Companies That Accept A Suspended License [2022]

Car insurance companies that accept a suspended license include The General and Acceptance, but most insurers won’t offer coverage to drivers with a suspended license. Some drivers may qualify for a restricted license to drive to work and other stated places. Auto insurance companies that accept a suspended license will charge much higher rates than a traditional insurance company.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know

  • It can be hard to find car insurance companies that insure drivers with a suspended license
  • Car insurance rates for high-risk drivers are extremely expensive
  • If you already have insurance you should keep your coverage in place to avoid higher rates after the suspension

car insurance companies that accept a suspended license

Finding the best auto insurance companies that offer car insurance if your driver’s license is suspended can be hard.

Most top car insurance companies won’t want to take on a risky driver but will let you keep coverage if you are already insured.

Car insurance companies that accept a suspended license have much higher rates. But not every auto insurance company will see your driving record the same. We’ll help you find affordable car insurance companies that accept a suspended license with the tips below.

Enter your ZIP code now to compare free quotes from car insurance companies that accept a suspended license near you.

What are some car insurance companies that accept a suspended license?

A driver’s license suspension can happen for a variety of reasons, such as reckless driving, DUI, or excessive accidents or tickets.

Not very many car insurance companies will offer you a new policy if you have a suspended license. However, some specific companies do help drivers looking for non-standard insurance.

What insurance companies will insure a suspended license?

The General and Acceptance are just two car insurance companies that offer coverage to high-risk drivers. Many other smaller companies may cover you as well.

If you already have car insurance, you may be able to work with your company to keep your coverage through the suspension.

Car insurance rates after a suspended license will be costly. One of the most important factors that affect your rates is your driving record.

Drivers with accidents, tickets, DUIs, or other bad driving behaviors are  high-risk. High-risk drivers pay much higher rates because there is a greater chance the car insurance company will have to pay a claim.

This table shows the average car insurance rates for drivers with a suspended license. Rates can increase by more than half with a suspended license, depending on the company.

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
Liberty Mutual$1,646$2,51635%$868
State Farm$1,312$1,90031%$586
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USAA car insurance is generally the cheapest coverage out there but isn’t the cheapest for a suspended drivers license.

Coverage from Allstate, State Farm, and Progressive for a suspended license has the smallest increase among the top companies.

Your car insurance company may also be required to file an SR-22 form with your state. This form proves that you have the minimum amount of car insurance needed.

Your state will require you to carry SR-22 insurance for a certain amount of time.

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Can insurance companies see if your license is suspended?

Your driving record is extremely important when it comes to your car insurance rates. Insurance companies look at your driving history to determine if you are too risky to insure.

Do car insurance companies run your license?

Typically, your car insurance company only checks your driving record when your policy is up for renewal. That doesn’t mean you should keep your suspended license a secret.

If you aren’t upfront with your car insurance company, it is less likely to work with you through a suspended license.

Your auto insurance company will find out about your suspended driver’s license anyway. Let the company know as soon as the suspension happens and work together to come up with a plan to keep you insured.

Should you keep car insurance while your license is suspended?

If you can’t legally drive, do you even need to keep car insurance? Yes, it’s essential to keep current car insurance for many reasons.

According to the Insurance Information Institute, driving without insurance can lead to fines, an impounded vehicle, and even jail time. Your driver’s license can also be suspended longer or revoked if you drive without car insurance.

When it comes time to get your license reinstated, you have to show proof of insurance. While you don’t need car insurance to buy or register a car, you will need it to get your license.

Gaps in coverage can cost you money. When your driver’s license is valid again, you will need car insurance. Insurance companies charge higher rates if you haven’t had continuous coverage.

Your car loan company may also require that you keep coverage. You have to carry a certain amount of car insurance if you lease your car or have a loan.

You may qualify for a restricted license that lets you drive for specific reasons like work or going to a doctor. If you can get a restricted license, you must have car insurance in place.

Consider changing your coverage if you want to save money on car insurance during a suspension.

You have to keep liability coverage since most states require it, but you could drop your collision coverage. It’s a good idea to keep your comprehensive insurance since it covers damages not related to an accident, such as fires, theft, or vandalism.

How can you find car insurance companies that accept a suspended license?

Car insurance companies that don’t accept a suspended license only offer standard coverage. However, you can still find the best car insurance for suspended licenses if you do some research.

Even if you have a suspended driver’s license, you still need to keep insurance. A lapse in car insurance coverage will increase your rates even more and make it much harder to get coverage again.

Shop around to find cheap car insurance for a suspended license. Compare rates from car insurance companies that accept a suspended license to find the best deal for you.

Enter your ZIP code now to compare quotes from auto insurance companies that accept a suspended license for free in your area.

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