How to Get Car Insurance with a Suspended License

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Here's what you should know...
  • 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 obtaining 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.

Suspended License Insurance Protocol

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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

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 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

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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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