Compare Car Insurance Rates After a Revoked Driver’s License [2023]
You can get car insurance after a revoked driver's license, though your rates will be higher. Some states require high-risk drivers to file an SR-22 insurance certificate. Learn how to find affordable coverage after a revoked or suspended license.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
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.
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: Nov 27, 2023
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
- If your driver’s license has been suspended or revoked, it may be challenging to find auto insurance coverage
- You can expect your car insurance rates to go up because of your driver’s license status
- Depending on why you have a revoked driver’s license, you may need to get SR-22 coverage
If your driver’s license has been revoked or suspended, you know how stressful it can be to reinstate your license.
Depending on why you have a revoked license, it could take several years before you can get a new license and start driving again. You’ll also need to purchase auto insurance for your vehicle when you renew your license.
However, car insurance after a revoked driver’s license can be tricky to find. Whether your license was revoked or suspended, you may find that many auto insurance companies aren’t comfortable offering you car insurance coverage. If that’s the case, it could take a while to find the insurance you need.
Enter your ZIP code below and get your FREE car insurance quotes today!
Can I get auto insurance after a revoked driver’s license?
You can get car insurance after your driver’s license gets revoked, but it’s unlikely. Auto insurance companies will think twice before offering you coverage since driver’s license revocation occurs due to a serious violation.
A driver’s license revocation means your license gets taken away indefinitely. Some reasons your license may get revoked include:
- Multiple driving offenses
- Suspected or proven fraud
- Drug or alcohol addiction
- Reckless driving
- Hit-and-run
- Failure to appear in court
- Physical inability to operate a vehicle safety
- Serious medical conditions
If your revocation results from your age or specific medical conditions, you can assume the state will not reinstate your license. In addition, without a current driver’s license, you can’t purchase car insurance for your vehicle since you’re legally unable to drive.
In some cases, your state may be willing to forgive other serious offenses that caused your license to be revoked over time. If this happens to you, you may be able to request a new driver’s license through your department of motor vehicles.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Can you get car insurance with a suspended license?
A suspended license — while still serious — is less of an issue than a revoked license. If you have a suspended driver’s license, the suspension is temporary, typically lasting anywhere from a few months to two years.
During your license suspension, you may be able to find auto insurance coverage with specific companies. These companies offer coverage for policyholders with suspended licenses who don’t want a gap in their auto insurance coverage.
If that’s your case, and you want to keep your car insured during your suspension period, you may find several companies willing to offer coverage, but the rates could be expensive.
Once your suspension period ends, your original driver’s license will allow you to drive legally in your state.
Even though you can use your driver’s license to drive, finding auto insurance in your area can be difficult after a driver’s license suspension. Many insurance companies will see you as a risk and won’t offer you coverage.
Which insurance companies will cover me after a suspended license?
Whether companies are willing to offer you coverage after a license suspension depends on several factors.
All insurance companies will see that your driver’s license was suspended or revoked. However, if the reason for your suspension is something like multiple DUIs or another drug or alcohol-related charge, you may find that fewer companies are willing to cover you.
There are plenty of insurance companies offering coverage after a license suspension. Some of the most popular car insurance companies providing coverage after a suspended license include:
- USAA
- Geico
- State Farm
- Progressive
- Nationwide
- MetLife
- Allstate
- Travelers
- Farmers
You may find that smaller, local insurance companies in your area are also willing to offer you car insurance after your license gets revoked or suspended. However, these companies are often more apprehensive about offering coverage in these instances because of the risk of financial obligation.
How much is car insurance after a revoked license?
It’s impossible to know how much more you will pay for auto insurance coverage if your license gets suspended or revoked, but you can assume you’ll be paying more.
Your insurer may choose to no longer offer coverage. If that happens, the company will cancel your policy, and you’ll have to find coverage elsewhere.
Changing auto insurance providers will not keep a company from learning about the reason for your license suspension or revocation. So if your provider is willing to offer you auto insurance coverage at a higher rate, you may want to keep the policy.
The table below shows the average annual auto insurance rates after a suspended license.
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
As you can see, your car insurance rates can go up as much as 56% after a license suspension, and it could be even higher for license revocation.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
What is SR-22 insurance?
In some cases, you may have to file an SR-22 with your state after getting your license suspended. Some of the common reasons for filing an SR-22 include:
- DUI or DWI conviction
- Driving without sufficient auto insurance
- Multiple at-fault accidents
- Repeat offenses in a short period
- Not making court-ordered payments, such as child support
- If you’ve received a hardship license
If your state requires you to file an SR-22, your department of motor vehicles wants proof that you are carrying your state’s minimum requirements for auto insurance coverage.
You will need your auto insurance company to file the SR-22 on your behalf. If your current car insurance provider is willing to offer SR-22 coverage, it can notify your department of motor vehicles that you have coverage.
If you have to shop around for SR-22 insurance, you may want to look at the more significant, well-known companies in your area since they’re often more willing to offer this type of auto insurance coverage. Make sure you have everything you need to get your SR-22 insurance quotes.
Can I get cheap auto insurance coverage after a license revocation?
You may find that it’s impossible to find cheap auto insurance if your license gets suspended or revoked. However, you can still find the most affordable rates for car insurance in your area by shopping around online and comparing quotes.
Comparing quotes from multiple insurance companies in your area lets you see how much you can expect to pay for coverage after a suspended or revoked driver’s license.
Don’t rush the search results, and consider both large and small insurance companies in your area. If you get a quote from a company that seems reasonable, you can ask that company whether you qualify for any discounts that could help you save even more.
Car Insurance After a Revoked License: The Bottom Line
It’s not always easy to find insurance coverage with a revoked or suspended license, but the coverage is there.
Certain companies are willing to offer auto insurance to people whose licenses have been revoked or suspended, but the reason for your license suspension will matter to insurance companies.
If you can find a company to cover you, you can expect to pay a lot more per month for your auto insurance coverage. Try shopping around online and comparing quotes from multiple providers in your area to find cheaper rates.
Enter your ZIP code below to compare car insurance rates right now!
Frequently Asked Questions
Can I still compare car insurance rates if my driver’s license has been revoked?
A revoked driver’s license may limit your ability to obtain car insurance, as insurance companies typically require a valid license. However, it’s still possible to compare rates and explore options.
Why is a revoked driver’s license a concern for insurance companies?
Insurance companies consider a revoked driver’s license as a high-risk factor since it usually indicates a history of serious traffic violations or a suspended license due to irresponsible driving behavior. This increased risk may result in higher premiums or limited options.
How can I find car insurance rates after my driver’s license has been revoked?
To find car insurance rates, even with a revoked license, you can follow these steps:
- Contact multiple insurance companies: Reach out to insurance providers and inquire about their policies regarding revoked licenses.
- Provide accurate information: Be transparent about your revoked license when requesting quotes, as hiding this information can lead to issues later on.
- Explore non-standard insurance companies: Some insurers specialize in providing coverage for high-risk drivers, including those with revoked licenses.
- Consider obtaining a restricted or provisional license: In some cases, you may be eligible for a restricted or provisional license that allows limited driving privileges. This may increase your options when seeking insurance.
What factors affect car insurance rates after a revoked driver’s license?
When comparing car insurance rates after a revoked license, several factors can influence the cost:
- Driving record: The severity and frequency of past traffic violations and accidents will significantly impact your rates.
- Insurance history: If you had prior coverage and maintained it responsibly, it could work in your favor.
- Location: Insurance rates can vary based on where you live and drive, including factors like crime rates and accident statistics.
- Vehicle type: The make, model, and age of your vehicle can affect rates.
- Coverage options: The type and amount of coverage you choose will impact your premium.
Will my car insurance rates decrease over time after a revoked driver’s license?
While insurance rates can decrease over time as you maintain a clean driving record, having a revoked driver’s license can have a lasting impact on your rates. Insurance companies may still consider your revoked license as a high-risk factor even after it has been reinstated or the revocation period has ended. It’s important to consult with insurance providers to understand how your rates may be affected in the long term
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.