Can You Get Auto Insurance with a Suspended License?

Many drivers might not realize how complex things can get if their license is suspended. Shockingly, almost 11 million people in the United States have had their driver’s licenses suspended, according to the National Conference of State Legislatures (NCSL). Most drivers face this issue not because they drive dangerously, but due to unpaid fees such as not being able to pay traffic fines, court fees, failing to appear in court, or not paying child support (NCSL, 2024). Besides, license suspension also results from issues like a traffic ticket, DUI, and driving without insurance. If one of these issues is relatable to you, you may wonder, “Can I get auto insurance with a suspended license?” 

The simplest answer to this query is yes, you can get an auto insurance policy even if your license is suspended. Many insurance companies still offer options to help protect your vehicle and financial interest. However, this process may feel difficult, but having insurance coverage is necessary, especially if you want to reinstate your license or have a financed car. Also, getting car insurance with a suspended license helps you avoid other complications. For instance, if your license gets revoked, you need to maintain proof of insurance for eventual reinstatement. In this article, we’ll get into the details and discuss all the relevant queries about whether you can get car insurance with a suspended license. 

What Is a Suspended License?

A suspended license is when the state temporarily takes away your legal right to drive. This suspension can last for a set time or until you meet certain legal requirements. For instance, in Michigan, accumulating too many points on a driver’s record or specific driving violations generally have set timeframes, such as 30 days for first offenses or longer for repeated infractions. 

However, license suspension won’t be with you forever! Fortunately, it’s not a permanent revocation which means you’re not legally allowed to operate a motor vehicle until the suspension ends. 

In this aspect, you might also be inquisitive to know about how a suspended license affects your insurance status. Well, this is true! It not only affects your freedom to drive but also complicates getting or keeping auto insurance, which will more likely raise your insurance rate or lead to coverage restrictions. If you’re unfortunate, some insurers might even refuse to cover you. This could make it harder to find affordable car insurance.

Here, we recommend keeping your insurance policy active and trying to understand why your license is suspended and what it takes to restore it. 

Common Reasons for License Suspensions

If you're involved in a motor vehicle incident that results in personal injury or significant property damage, you may face license suspension. Also, exceeding speed limits consistently or by substantial margins can also lead to your driving privileges being revoked.  It's a serious consequence. That’s why we always prioritize the need for adherence to safety regulations and defensive driving practices. Below are some of the most common causes: 

• DUI or Driving Under the Influence (e.g., drinking alcohol, or taking other drugs)
• Accumulating Too Many Traffic Tickets
• Failure to Appear in Court
• Unpaid Child Support
• Unpaid traffic tickets  
• Reckless Driving
• Failure to Have Proof of Insurance (e.g., Driving without liability insurance)
• Involvement in Serious Accidents (Causing significant property damage or personal injury)
• Driving Without Insurance

Note that each of these factors can lead to a suspension that may last months or even years. Staying aware of these causes helps drivers avoid risky behaviors that lead to serious consequences, including restricted auto insurance options and higher premiums. 

Can You Get Auto Insurance with a Suspended License?

As we’re done explaining the basics, we come to the main part of this article. The question, "Can I get auto insurance without a license?" is a common one after a suspension. The simple answer is “yes.” It’s possible to get different types of auto insurance coverage including liability insurance with a suspended license. However, it can be challenging! 

Because many insurance companies are hesitant to cover drivers with a license suspension due to increased risks. However, coverage may be available if you have specific needs, like maintaining insurance for an insured vehicle driven by other licensed drivers or meeting state SR-22 or FR-44 requirements. This is why you need to understand how insurance policies work in these cases and why this coverage is necessary! 

Why Would You Need Insurance with a Suspended License? 

Even if your license is suspended, you need to maintain auto insurance for many reasons. First of all, if you drop your car insurance coverage, you’ll be more likely to face higher auto insurance rates in the future due to a lapse in coverage. Besides, you will also need insurance to fulfill state insurance requirements or if someone else in your household drives the vehicle. Keeping proof of insurance can also help you avoid penalties. Sometimes, having continuous insurance coverage while your license is suspended could help reduce your insurance rates when your license is reinstated. 

Let’s sum up the reasons why you need auto insurance with a suspended license:

• Avoiding higher premiums
• Loan or lease requirements (Your lender may require you to maintain insurance)
• State laws that require you to carry minimum liability insurance
• Necessary for reinstatement requirements
• Protection against uninsured drivers
• If someone else drives your car (e.g., Can I get insurance for someone who borrows my car)
• Your child and spouse may drive your car (If you include them as listed drivers, they will get covered)

Is It Legal to Have Insurance Without a Valid License? 

Yes, having car insurance without an active license is legal in some states, as long as you’re not driving. Insurance policies typically cover the vehicle rather than the driver alone. So, this allows others to legally operate the vehicle if they have a valid license. 

However, driving with a suspended license is illegal. Plus, it may lead to penalties or further license issues. In some cases, drivers need to have an SR-22 form, a certification filled by an insurance company that confirms they meet minimum liability insurance requirements. Insurance companies can work with you on SR-22 requirements even with a suspended license. 

Read Related Article: Can I Get Car Insurance with a Foreign Driver's License? 

What Are the Risks of Driving with a Suspended License? 

Driving with a suspended license can lead to severe penalties. If caught, you may face increased insurance rates, additional license suspension, fines, and even jail time. This also adds points to your driving record which will eventually make it harder for you to find affordable auto insurance. 

Besides, driving with a license poses risks in an accident since your insurance coverage might not entirely cover you. This leaves you personally liable for damages. Also, violating this can impact your ability to reinstate your license and gain a standard car insurance policy. 

Challenges of Obtaining Car Insurance with a Suspended License 

So, if you have been struggling around for car insurance with a suspended license, you need to realize that it can be difficult sometimes depending on your present driver’s license record. Insurers see drivers with suspension as high-risk, and many may not offer coverage. Sometimes it can be difficult especially if the suspension is due to serious issues like a DUI, or reckless driving. On top of that, a suspended license indicates a high likelihood of risky behaviors. However, some specialized insurance companies, including L.A. Insurance, the most affordable insurance agency, offer coverage if you need to file an SR-22 form. 

Reasons why insurers might decline coverage:

• The risk associated with driving history
• License suspension due to reckless driving or DUI
• High likelihood of accidents
• Increased potential for traffic violations
• Insurance policy requirements not met

How Can I Get Auto Insurance with a Suspended License? 

If you're questioning how to get auto insurance without a license or whether you can get auto insurance with a suspended license, understand that options do exist. You can still get suspended license insurance by following strategic steps. Many car insurance providers help high-risk drivers, offering coverage, even if they don’t have a valid license. However, it may require specific action and potentially higher car insurance rates. Here’s how you can secure an insurance policy with a suspended license.  

Look for Specialized Car Insurance Company

Certain insurance providers are experienced in handling high-risk clients, including individuals with traffic violations, DUIs, or suspended licenses. These providers may be more flexible in terms of policy requirements and insurance rates, though they often charge higher premiums due to the increased risks. For your convenience, here’s how to proceed:

• Research insurers that offer policies specifically for customers with a suspended license.
• Prepare your documentation meticulously to facilitate the insurance application process.
• Inquire about potential fees and ensure the policy adequately covers property damage and satisfies loan requirements.

Provide Required Documents to Insure

As you seek auto insurance with a suspended license, insurers will require specific documentation to process your application. This could include your driving record, details of the incident leading to suspension, and proof of a court-mandated deductible if your suspension is lawsuit-related. Providing clear and accurate information quickly helps insurers understand your risk. This way, they can offer you insurance that suits your situation. 

When you provide insurers with the required paperwork, you help ensure a smoother process and avoid issues in getting coverage. Documentation is important because it sets the terms of your policy, like coverage limits and premium rates. Remember, if you don’t share all relevant information, it could hurt your insurance status and may even lead to a denied policy or legal problems. 

Consider Non-Owner Car Insurance Policy [H3] 

A non-owner car insurance policy is a type of auto insurance designed for those who don’t own a car but still need insurance coverage. This can be helpful for those with a suspended license who are trying to reinstate their driving rights. It provides liability coverage for bodily injury and property damage if you get into a crash while driving a borrowed or rented car. Importantly, non-owner policies don’t cover physical damage to the car you’re driving, so the owner’s insurance is primary if repairs are needed. 

So, this policy can help you if your driver's license is suspended due to a serious issue, like DUI or reckless driving. Many states need you to show financial responsibility to get your license back, often through an SR-22 certificate. If you don’t have a car, a non-owner insurance policy that includes an SR-22 can meet this requirement. This policy will prove to the state that you have the necessary liability coverage. Once your suspension ends, it can help you drive legally again when your driving privileges are restored. 

Apply for a Restricted or Conditional License 

A restricted or conditional license often called a hardship license, can provide a solution to those who get a license suspension but still need car insurance. These licenses allow drivers limited driving privileges under certain conditions, such as commuting to work, attending medical appointments, or fulfilling family responsibilities. The process and eligibility criteria for getting a restricted license vary by state. But it’s usually available for those with a demonstrated need to drive. 

In some states, drivers who have their licenses suspended due to DUI offenses may qualify for a restricted license after meeting certain requirements. For example, in New York, if a driver’s license is suspended for a DUI, they may get a conditional license by taking part in a DMV-approved impaired driver program. This restricted license allows them to drive under specific conditions and helps them find insurance from non-standard insurers.  

In Michigan, a restricted license may also be available for people who need to drive for essential reasons, like work or school, even after their license is suspended. This option can also help them obtain non-standard insurance coverage. 

Get SR-22 or FR-44 Insurance

Getting SR-22 (Often called a Certificate of Financial Responsibility) or FR-44 insurance can help you get auto insurance if you’re someone with a suspended license. These documents in fact aren’t policies themselves but are certificates that prove you carry the required insurance coverage. Many states require these after serious violations like DUIs, reckless driving, or license suspension. When filed, an SR-22 or FR-44 lets the state know you meet minimum liability insurance requirements. While the cost of filing an SR-22 is generally between $15 to $25, insurance premiums may be higher due to the driver’s high-risk status. 

Note that FR-44 is similar to an SR-22 but applies to a few states, like Florida and Virginia. It requires higher coverage limits than the SR-22. Drivers with more serious violations might need an FR-44 instead of an SR-22 which acts as proof of higher financial responsibility. In this context, both SR-22 and FR-44 can help you with a suspended license. Also, this is a key document in reinstating your driver’s license.  
Here's who needs an SR-22:

• Drivers with multiple DUI or DWI convictions
• Reckless drivers
• Those with a suspended license
• Drivers involved in serious at-fault
• Drivers caught without insurance coverage

Requirements to obtain an SR-22:

• Date of Birth
• Social Security Number
• Driver’s License Number and Issuing State
• Suspension Date (If applicable)
• SR-22 Expiration Date
• And the Reason for SR-22 requirements

Here’s how to get an SR-22:

• Contact high-risk insurance providers (e.g., L.A. Insurance)
• Provide necessary documentation
• Pay filing fee, roughly $15-$25
• Maintain continuous coverage

Utilizing a Named Driver Policy

If your license is suspended, a named driver policy can be a smart option. This policy lets you name someone else as the primary driver of your car. It keeps your vehicle insured and helps avoid gaps in coverage. By doing so, you can meet your financial responsibilities without driving. It also helps protect your car from accidents.

You should carefully consider whose name will be on the policy; it needs to be someone who will actually be using the car. Below are steps to guide you through this process:

• Choose a trusted individual/friend/family member with a valid license and a clean driving record to become the primary named driver on your policy.
• Communicate openly with your insurance provider about your license suspension and your need to assign another driver to your policy.
• Make sure that the named driver understands their role and any implications for their driving record and insurance status.

By effectively utilizing a named driver policy, you can maintain insurance on your vehicle which may be crucial for meeting leasing or financing requirements.

How Much Is Auto Insurance for Someone with a Suspended License? 

If your license is suspended, getting auto insurance will typically be more expensive because insurance companies view suspended drivers as high-risk. Based on our research, for people with suspended licenses, car insurance premiums can increase by as much as 67% on average, though this varies by state. In places like Florida and Texas, costs can climb even higher due to their strict insurance and risk assessment laws. 

To maintain insurance with a suspended license, you’ll usually need to file an SR-22 or FR-44, which proves that you have the minimum liability coverage required by the state. Filing these forms can also raise your premium. For example, the most popular insurance companies, including L.A. Insurance, offer SR-22 policies for suspended licenses, with rates starting around $52 to $68 per month, depending on the insurer and individual risk factors. 

To help keep rates manageable, some insurers offer discounts if you bundle policies or maintain a safe driving history after reinstatement. You can also compare quotes across insurers. This can also save money since premiums for high-risk policies differ widely. 

How to Get Cheap Car Insurance with a Suspended License?

Getting cheap auto insurance with a suspended license can be a little bit challenging! But don’t lose hope. There are a few ways to keep costs down. First look for non-standard insurance providers that specialize in high-risk policies and drivers with a suspended license.

Some of these insurers offer affordable premiums and are experienced with SR-22 or FR-44 filings, which can be required to reinstate your license. Also, opting for non-owner car insurance might be helpful if you don’t own a vehicle but still need insurance to fulfill state requirements. 

Besides, make sure to compare quotes from multiple insurers. Because car insurance rates with suspended licenses vary widely. Ask the insurers about discounts, too. You might qualify for discounts by taking a defensive driving course or bundling policies. This can help lower costs over time. Also, being prepared to provide specific documentation, such as your suspension details and SR-22 expiration, can make the process easier.

Here’s a quick list of what you can do to lower auto insurance costs after license suspension:

• Comparing Quotes from Multiple Insurers
• Maintaining a Clean Driving Record Post-Suspension
• Consider Enrolling in a Defensive Driving Course to Refine Your Skill
• Bundling Insurance Policies

Note that if you have a loan or lease on your vehicle, lowering your insurance costs might not be possible. This is because the bank or dealership will require you to keep a high level of coverage. If you reduce your coverage, they may impose more expensive “forced coverage”. However, if you fully own your vehicle, you can lower your insurance costs by canceling options like collision and comprehensive coverage. This is helpful only if you are not driving the car with a suspended license. However, you must still keep your state-required liability coverage, and your SR-22 certificate of financial responsibility. If you choose not to drive during your license suspension, you can opt for storage coverage as well. 

Plan to Get Your License Back and Prepare for the Future

In the end, as a responsible driver, you should plan to restore your license. 

Here are a few steps to reinstate a suspended license:

• Check Reinstatement Requirements: Contact the state DMV to confirm all necessary steps.
• Pay All Fees and Fines: Clear any outstanding fines and fees associated with the suspension.
• Complete Required Programs: Attend defensive driving or substance abuse courses if mandated.
• Submit SR-22 or FR-44: Provide proof of insurance to comply with your state’s requirements.
• Apply and Submit Paperwork: Once eligible, submit the completed paperwork to the DMV.
• Pay Reinstatement Fee: Make the reinstatement payment to finalize the process.
• Additional Tips: Maintain auto insurance during your suspension period can help you avoid high insurance rates later. Once you’re back on the road, follow traffic laws, plus, practice safe driving. This will help keep your record clean and may even lead to better insurance rates over time. 

Can You Have Car Insurance with a Suspended License: The Bottom Line

To recap, yes, you can have auto insurance with a suspended license. It may take extra effort and specific steps, like exploring non-standard insurance options or even SR-22 filings, but maintaining minimum car insurance coverage is necessary. Not only does it help you stay legally protected, but it also aids in keeping insurance costs down once your license is reinstated. So, with these options in hand, you’re setting yourself up for an easier road ahead. 

Frequently Asked Questions

Should I Cancel My Car Insurance After a License Suspension? 

No! It’s usually best to keep your insurance during a suspension. Canceling can lead to higher rates later and may be required if you have an auto loan. Keeping it also helps avoid gaps in Coverage, which insurers often view negatively.

What should I do with Insurance Immediately after My License Gets Suspended?

Inform your insurer about the suspension and check state requirements. Also, adjust your coverage if needed, or consider a “non-owner” policy if someone else drives your car. Avoiding a coverage gap is necessary for maintaining better rates later. 

Can You Get Car Insurance with an Expired License? 

Yes, but it may be difficult. Some insurers provide coverage if your license is temporarily expired, though it’s easier with a suspended license. Rates and eligibility may depend on why your license expired. However, the good thing is insurance companies don’t charge any severe penalties for expired license holders. It is also important to remember that if you drive with an expired license, it may cancel out your insurance coverage, and leave you financially unprotected on the road. 

How to Get Car Insurance Without a Driver's License?

To get insurance without a driver’s license, list a primary driver with a valid license. This could be your family member or friend who regularly drives your car. Explain your situation clearly to the insurance company to ensure proper coverage. 

Can You Get Car Insurance If Your License Is Revoked?

Yes, you can get insurance with a revoked license, though it’s often more expensive. Some insurers offer non-owner policies to help you maintain coverage. However, you won’t be covered to drive until your license is reinstated. 

What Car Insurance Can I Get with a Suspended License?

Most standard insurance policies are available. However, high-risk drivers may need SR-22 insurance. Contact insurance companies to discuss options that meet both state and lender requirements, while also addressing any specific needs due to the suspension. 

What Is the Cheapest Car Insurance with a Suspended License? 

L.A. Insurance, North America’s largest independent insurance agency, offers some of the cheapest car insurance options for drivers with suspended licenses. For minor violations, liability coverage can be less costly than full coverage. However, you can shop around to find the best rates and check if SR-22 is required based on your suspension type and state laws.

How Can I Register My Car with a Suspended License? 

It depends on your state laws whether you can register your car with a suspended license or not. Usually, you might be allowed to register it but, in that case, you need someone else to drive it. Call your DMV to check for specific requirements. 

Can I Buy a Car with a Suspended License? 

Yes, you can purchase a car with a suspended license. But you’ll need another driver to legally operate it until your license is restored. Keep your insurance active to avoid gaps and potential fees.

Can I Get Car Insurance with a Suspended License in Michigan? 

Yes, you can get auto insurance in Michigan even if your license is suspended. But it may be more expensive. Michigan insurers often require SR-22 coverage, which demonstrates financial responsibility to the state. However, it’s also wise to keep in mind that insurers may decline your coverage or refuse to insure you in certain situations.  

Can Someone Drive My Car if My License Is Suspended? 

Yes, someone with a valid driving license can drive your car if your license is suspended. However, you should list them on your insurance policy to make sure they’re covered in case of an accident.

Why Should I Maintain Auto Insurance Coverage During License Suspension? 

Maintaining insurance prevents coverage gaps which is required by most lenders and avoids higher premiums later. It’s also necessary if you’re leasing or financing a car. 

Can I Purchase Texas Auto Insurance Coverage If My License Is Suspended? 

Yes, Texas state allows it to keep your car insured while your license is suspended for violations. But this might vary by insurers. Some car insurance companies might see you as a risky driver and refuse to insure you. However, you should check if an SR-22 certificate is required. Also, you can look for a restricted or conditional license if it’s an emergency.  

Can I Have Car Insurance in Colorado If My License Is Suspended? 

Yes, Colorado also allows you to keep insurance even if your license is suspended. However, your options may be limited. Many standard insurers may refuse your coverage or charge significantly higher premiums. You may need to look into non-standard insurance companies that specialize in high-risk drivers. 

Can I Get Auto Insurance in Florida with a Suspended License?

Yes, you can get car insurance in Florida even if your license is suspended. However, this may be challenging. Insurance companies will likely charge you higher premiums because they see you as a higher risk. It’s also important to have insurance to avoid penalties or further license suspensions. You might want to look into non-owner car insurance or find a company that specializes in insuring high-risk drivers.