Will my rates increase after a ticket for driving with a suspended license?

A ticket for driving with a suspended license will increase your car insurance rates and may send you to jail. You will be considered a high-risk driver after driving with a suspended license.

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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: Apr 3, 2022

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Here's what you need to know...

  • Driving with a suspended license will most certainly affect your car insurance rates
  • In addition, being caught driving with a suspended license could cause you to go to jail
  • Being ticketed for a suspended license could then classify you as a high-risk driver

Driving on a suspended license could not only affect your car insurance rates,but you could also end up in jail!

There was a time when you would get off with a warning on your first offense. Now law enforcement is taking more drastic measures the first time around.

If you are behind the wheel of a car with a suspended license, you are committing a crime.

The penalty is different in each state. There are some instances where people encounter a traffic stop only to learn their license is suspended for the first time.

To obtain comparison car insurance quotes for high-risk drivers today, enter your zip code now!

Will a ticket for driving with a suspended license affect car insurance rates for my spouse?

If you and your spouse share a vehicle, your rate will probably increase once the insurance company is made aware of your suspension.

Your spouse may choose to exclude you from the policy to avoid increased premiums.

However, many car insurance companies consider the driving records of all household drivers regardless of whether they have permission to drive the designated car or not.

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Will a ticket for driving with a suspended license affect car insurance rates in the future?

When you are eligible to reinstate your driver’s license, car insurance for a suspended license will cost more.

You are classified as a high-risk driver and will have to pay an average of 20 to 40 percent more for coverage. As a consequence for your actions, you may have to go with a company that markets to high-risk drivers.

Once the proper fines are paid, and your license is reinstated, you will be in the position to improve your status.

Depending on why your license was suspended, it takes approximately three to five years to overcome a suspended license. The suspension may stay on your driving record as long as seven years in some states.

You may also be required to obtain an SR22 form that proves to the DMV that you will maintain insurance coverage for the duration of the recovery process.

The SR22 lasts three years, after which you may be in the position to acquire insurance from a standard carrier.

If your previous carrier continues your coverage, you should call them periodically to see if you are eligible for a rate reduction.

Will a ticket for driving with a suspended license affect car insurance rates on my job?

If you are an employer and allow an employee to drive a company vehicle on a suspended license, you could be jeopardizing your business.

Many employees must use company vehicles to perform their jobs, and it is up to the employer to report changes to an employee’s driving status to the insurance company.

The employee may be able to obtain a restricted drivers license to maintain employment that allows him to go back and forth to work to perform his job.

Will a ticket for driving with a suspended license affect car insurance rates if I am not driving my car?

If someone else is driving your car on a suspended license, your car could be impounded. In the case of an accident, your insurance company may refuse to pay damages even if the driver is on your policy.

In some states, like Montana, you can obtain storage insurance while your license is suspended to protect your vehicle from theft, vandalism, and acts of nature.

This coverage is inexpensive and worth the cost if your car is not kept in a garage.

Although you may not want your car to sit idle, this is the price you will pay until you earn your driving privileges again.

Comparison car insurance quotes for high-risk drivers are available today by simply entering your zip code now!


  1. https://www.thebalance.com/suspended-vs-revoked-license-527274
  2. https://www.ncsl.org/research/transportation/driving-while-revoked-suspended-or-otherwise-unli.aspx
  3. https://www.statefarm.com/insurance/auto/resources/high-risk-auto-insurance
  4. https://lifelanes.progressive.com/sr-22-what-to-know/
  5. https://thelawdictionary.org/article/how-does-a-restricted-license-work/

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