Car Insurance After a Revoked Driver’s License

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.

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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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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: May 26, 2022

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Here's what you need to know...

  • 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If your driver’s license has been revoked or suspended, you know how stressful it can be to reinstate your license.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 Whether your license was revoked or suspended, you may find that many auto insurance companies aren’t comfortable offering you car insurance coverage.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.

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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.

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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
  • 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.

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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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.

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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!

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