Compare Best Car Insurance Companies That Accept a Suspended License in 2024 (Top 10 Providers)
Compare the best car insurance companies that accept suspended licenses, such as Progressive, Farmers, and Safeco. Explore their specialized offerings for high-risk drivers and thoroughly evaluate these companies to pinpoint personalized solutions aligned with your requirements.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Apr 15, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
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.
Company Logo | Rank | See Pros/Cons | Auto Insurance Discount | Additional Insurance Discount | Best For |
---|---|---|---|---|---|
#1 | Progressive | Up to 15% | Up to 10% | Flexible Coverage | |
#2 | Farmers | Up to 20% | Up to 15% | Specialized Coverage | |
#3 | Safeco | Up to 10% | Up to 15% | Offers Sr-22 | |
#4 | Bristol West | Up to 10% | Up to 12% | Non-Standard Policies | |
#5 | Direct Auto | Up to 15% | Up to 10% | Minimum Coverage | |
#6 | Dairyland | Up to 20% | Up to 10% | Standard Coverage | |
#7 | Infinity | Up to 10% | Up to 10% | Higher Premiums | |
#8 | SafeAuto | Up to 10% | Up to 15% | Local Agents | |
#9 | Titan | Up to 10% | Up to 10% | Multi-Car Discounts | |
#10 | National General | Up to 15% | Up to 10% | Financial Stability |
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.
#1 – Progressive: Flexibility and Affordability
Progressive emerges as the optimal choice for affordable and adaptable coverage, making it the top recommendation for individuals with a suspended license.
Brad Larson Licensed Insurance Agent
Pros
- Flexible coverage options: Progressive offers versatile coverage options, allowing customers to customize their insurance plans according to their specific requirements.
- Competitive rates: With an average monthly rate of $109.17 for good drivers, Progressive provides cost-effective solutions, particularly beneficial for individuals with a suspended license.
- Positive A.M. best rating: Progressive holds an A.M. Best Rating of A, indicating a high level of financial stability and reliability for policyholders.
Cons
- Higher premiums for suspended licenses: Car insurance rates for individuals with suspended licenses are generally elevated, and Progressive may still have premiums higher than standard rates.
- Limited information on farmers: The content lacks specific details on Farmers, making it challenging to conduct a comprehensive analysis of Progressive in comparison.
Read more: Progressive Car Insurance Review
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#2 – Farmers: Specialized Coverage and Generous Discounts
Pros
- Specialized coverage: Farmers is recognized for offering specialized coverage tailored to the unique needs of individuals with suspended licenses.
- Generous auto insurance discounts: Farmers provides substantial discounts, with up to 20% for auto insurance and up to 15% for additional insurance, potentially easing the financial burden for high-risk drivers.
- Low complaint levels: Farmers boasts a low complaint level, indicating high customer satisfaction and efficient resolution of issues.
Cons
- Lack of average monthly rate information: The absence of specific average monthly rate details makes it challenging to assess the affordability of Farmers compared to other providers.
- Missing A.M. best rating: The content does not specify Farmers’ A.M. Best Rating, a key factor in evaluating the financial stability of an insurance provider.
Read more: Farmers Car Insurance Review
#3 – Safeco: Budget-Friendly Alternative and Strong Support
Pros
- Budget-friendly alternative: Safeco emerges as a budget-friendly alternative, offering average monthly rates of $70.75 for good drivers, making it more accessible for individuals with a suspended license.
- Positive A.M. best rating: Safeco holds an A.M. Best Rating of A, demonstrating financial stability and assuring customers of its ability to fulfill insurance commitments.
- Low complaint levels: Safeco maintains low complaint levels, indicating a high level of customer satisfaction and efficient claims processing.
Cons
- Limited auto insurance discounts: While Safeco provides some discounts, the percentage is lower compared to other providers, potentially resulting in higher overall premiums for customers.
- Incomplete information on coverage options: The content lacks detailed information on Safeco’s coverage options, making it challenging for customers to assess if it meets their specific needs.
Read more: Safeco Car Insurance Review
#4 – Bristol West: Non-Standard Policies and Discount Standout
Pros
- Non-standard policies: Bristol West specializes in providing non-standard policies, making it a suitable choice for individuals with unique or high-risk insurance needs.
- Auto insurance discounts: Bristol West offers up to 10% in auto insurance discounts, providing potential cost savings for policyholders.
- Additional insurance discount: With an additional insurance discount of up to 12%, Bristol West provides opportunities for customers to further reduce their insurance expenses.
Cons
- Limited information on rates: The content lacks specific information on Bristol West’s average monthly rates, making it challenging to evaluate its affordability in comparison to other providers.
- Coverage options not highlighted: The content does not provide detailed information on the coverage options offered by Bristol West, making it difficult for customers to assess if it aligns with their specific needs.
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#5 – Direct Auto: Minimum Coverage Focus and Substantial Discounts
Pros
- Minimum coverage focus: Direct Auto is highlighted for being a suitable option for those seeking minimum coverage, making it beneficial for individuals with a suspended license looking for essential protection.
- Auto insurance discounts: Direct Auto offers up to 15% in auto insurance discounts, potentially making it more cost-effective for policyholders.
- Additional insurance discount: With an additional insurance discount of up to 10%, Direct Auto provides added opportunities for customers to save on their insurance premiums.
Cons
- Limited information on rates: The content lacks specific details on Direct Auto’s average monthly rates, hindering the ability to assess its affordability compared to other providers.
- Limited coverage options: The focus on minimum coverage may limit the range of options available to customers, potentially leaving some with unmet insurance needs.
Read more: Direct Auto Car Insurance Review
#6 – Dairyland: Standard Coverage and Impressive Auto Discounts
Pros
- Standard coverage: Dairyland is recognized for providing standard coverage, catering to individuals who may require more comprehensive insurance options despite having a suspended license.
- Auto insurance discounts: Dairyland offers up to 20% in auto insurance discounts, providing potential cost savings for policyholders.
- Additional insurance discount: With an additional insurance discount of up to 10%, Dairyland gives customers additional opportunities to reduce their insurance expenses.
Cons
- Higher premiums: While Dairyland provides standard coverage, the content suggests higher average monthly rates, with potential premiums reaching up to $237, making it less budget-friendly.
- Limited information on coverage details: The content does not provide detailed information on the specific coverage options offered by Dairyland, making it challenging for customers to assess if it meets their needs.
Read more: Dairyland Car Insurance Review
#7 – Infinity: Non-Standard Policies and Cost-Effective Choices
Pros
- Non-standard policies: Infinity specializes in providing non-standard policies, offering an option for individuals with unique or high-risk insurance needs.
- Auto insurance discounts: Infinity provides up to 10% in auto insurance discounts, potentially making it a more cost-effective choice for policyholders.
- Additional insurance discount: With an additional insurance discount of up to 10%, Infinity offers opportunities for customers to further reduce their overall insurance costs.
Cons
- Higher premiums: The content suggests that Infinity may have higher average monthly rates, potentially making it less affordable for some customers, especially those with a suspended license.
- Coverage options not highlighted: The content does not provide specific details on the coverage options offered by Infinity, making it difficult for customers to evaluate if it meets their unique insurance needs.
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#8 – SafeAuto: Local Advantage and Discount Dominance
Pros
- Local agents: SafeAuto is highlighted for having local agents, providing customers with the advantage of personalized and accessible assistance, which can be valuable for those with specific needs, such as individuals with a suspended license.
- Auto insurance discounts: SafeAuto offers up to 10% in auto insurance discounts, potentially making it a more cost-effective option for policyholders.
- Additional insurance discount: With an additional insurance discount of up to 15%, SafeAuto provides opportunities for customers to further reduce their overall insurance expenses.
Cons
- Limited information on rates: The content lacks specific details on SafeAuto’s average monthly rates, making it challenging to assess its affordability compared to other providers.
- Coverage options not highlighted: The content does not provide detailed information on the coverage options offered by SafeAuto, making it difficult for customers to evaluate if it aligns with their specific insurance needs.
#9 – Titan: Multi-Car Discounts and Financial Stability
Pros
- Multi-car discounts: Titan is recognized for offering multi-car discounts, providing potential savings for customers insuring multiple vehicles.
- Auto insurance discounts: Titan provides up to 10% in auto insurance discounts, contributing to potential cost savings for policyholders.
- Financial stability: Titan is listed as providing financial stability, which can be reassuring for customers seeking a reliable insurance provider.
Cons
- Limited information on rates: The content lacks specific details on Titan’s average monthly rates, hindering the ability to assess its affordability compared to other providers.
- Limited coverage information: The content does not elaborate on the coverage options offered by Titan, making it challenging for customers to determine if it meets their specific insurance needs.
#10 – National General: Financial Strength and Substantial Discounts
Pros
- Financial stability: National General is highlighted for its financial stability, providing customers with confidence in the company’s ability to fulfill insurance commitments.
- Auto insurance discounts: National General offers up to 15% in auto insurance discounts, potentially making it a more cost-effective option for policyholders.
- Additional insurance discount: With an additional insurance discount of up to 10%, National General provides opportunities for customers to further reduce their overall insurance expenses.
Cons
- Limited information on rates: The content lacks specific details on National General’s average monthly rates, making it challenging to assess its affordability compared to other providers.
- Coverage options not highlighted: The content does not provide detailed information on the coverage options offered by National General, making it difficult for customers to evaluate if it aligns with their specific insurance needs.
Read more:
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Discover the Top 10 Car Insurance Companies That Accept a Suspended License
Discovering car insurance options for individuals with a suspended license becomes crucial, and certain companies extend coverage at varying rates. Progressive emerges as an affordable choice, with monthly rates of $39 for minimum coverage and $105 for full coverage. Safeco provides a budget-friendly alternative, offering rates of $27 for minimum coverage and $71 for full coverage.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Progressive | $39 | $105 |
Farmers | $53 | $139 |
Safeco | $27 | $71 |
Bristol West | $29 | $77 |
Direct Auto | $44 | $115 |
Dairyland | $85 | $237 |
Infinity | $36 | $111 |
SafeAuto | $35 | $93 |
Titan | $37 | $97 |
National General | $61 | $161 |
Bristol West and Infinity also present reasonable options at $29 and $36 for minimum coverage, and $77 and $111 for full coverage, respectively. For those willing to explore mid-range rates, Direct Auto, SafeAuto, and Titan offer competitive pricing. Direct Auto’s rates stand at $44 for minimum coverage and $115 for full coverage, while SafeAuto provides coverage at $35 for minimum and $93 for full coverage.
Titan falls within this range with rates of $37 for minimum and $97 for full coverage. On the higher end, Dairyland and National General offer potentially more extensive coverage. Dairyland’s rates are $85 for minimum coverage and $237 for full coverage, while National General’s rates are $61 for minimum coverage and $161 for full coverage.
Balancing affordability and coverage features is essential when selecting car insurance with a suspended license, and this list provides a valuable starting point for potential options.
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.
How do you get car insurance with no license? 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.
How a Suspended License Impacts Monthly Car Insurance Rates by Provider
Insurance Company | Before Suspension | After Suspension | Percentage Increase | Rate Increase |
---|---|---|---|---|
Allstate | $157 | $212 | 26% | $55 |
American Family | $117 | $212 | 45% | $95 |
Farmers | $127 | $231 | 45% | $104 |
Geico | $106 | $185 | 42% | $78 |
Liberty Mutual | $137 | $210 | 35% | $72 |
Nationwide | $112 | $253 | 56% | $141 |
Progressive | $134 | $199 | 33% | $65 |
State Farm | $109 | $158 | 31% | $49 |
Travelers | $107 | $171 | 38% | $64 |
USAA | $79 | $136 | 42% | $57 |
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.
Read more: Compare Car Insurance Rates After a Revoked Driver’s License
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.
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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.
Case Studies: Car Insurance Companies That Accept a Suspended License
Case Study 1: Navigating High-Risk Territory
John, a driver with a suspended license due to reckless driving, sought coverage from The General. Known for catering to high-risk drivers, The General offered him a policy with significantly higher rates compared to traditional insurance. This case study delves into the challenges John faced and the implications of choosing a specialized insurer for drivers with a compromised driving record.
Case Study 2: A Lifeline for High-Risk Drivers
Emily, another driver facing a suspended license after a DUI, turned to Acceptance for insurance coverage. Acceptance, specializing in non-standard insurance, provided Emily with a policy, albeit at a higher cost. This case study explores how Acceptance became a viable option for Emily and the trade-offs associated with obtaining coverage from a company that accepts drivers with a suspended license.
Case Study 3: Strategic Collaboration With Existing Coverage
Mark, a driver with an existing insurance policy, navigated the complexities of maintaining coverage during a license suspension. Mark’s insurance company collaborated with him to keep his coverage intact, showcasing how communication and cooperation with an existing insurer can be crucial for drivers facing a suspended license.
The study highlights potential benefits and challenges in working with current insurance providers during such circumstances.
Frequently Asked Questions
What car insurance companies accept a suspended license?
The General and Acceptance are car insurance companies that may provide coverage for drivers with a suspended license.
How much will car insurance cost with a suspended license?
Car insurance rates increase significantly with a suspended license, often by more than half.
Do insurance companies know if your license is suspended?
Yes, insurance companies can access your driving record, including information about license suspensions.
Should you keep car insurance while your license is suspended?
Yes, it’s important to maintain car insurance even with a suspended license to avoid legal consequences and ensure coverage when your license is reinstated
How can you find car insurance companies that accept a suspended license?
Research and compare quotes from different insurance companies to find affordable options that provide coverage for drivers with a suspended license.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.