Suspended License Car Insurance
You can have a suspended license due to insurance lapses, but there are many more traffic violations that can cost your driver’s license, including DUI/DWI and reckless driving. Shopping for suspended license car insurance can get sticky because you are now a high-risk driver and can't be covered by a standard policy. If your current provider doesn't offer high-risk coverage, they can cancel your policy.
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UPDATED: Jul 16, 2021
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- Suspended license car insurance is considered high-risk car insurance
- Suspended license insurance rates can be over 70% more expensive than the standard rates
- Your suspended license auto insurance rates will vary based on your age, gender, and current driving record.
Was your license suspended for lack of insurance? You will need to file an SR-22 or FR-44 in your state in order to reinstate your driving privileges.
Suspended license car insurance will cost you more than a standard policy, so you will need to shop around for quotes from the best insurance companies to lock in the cheapest rates.
Keep reading to learn more about suspended license insurance rates, requirements, and coverage, as well as which insurance companies offer suspended license car insurance near you.
Start shopping for affordable suspended license insurance quotes now with our free online comparison tool above. Enter your ZIP code to get started.
What is a license suspension?
With a license suspension, you are unable to legally drive any vehicle for a specified amount of time. Unlike a license revocation, a suspended license will be reinstated once the sentence is served.
You can have a suspended license due to insurance lapses, but there are many more traffic violations that can cost your driver’s license as well, including:
- Reckless driving
- Being at fault for an accident
- Repeat moving violations on your record
Each state will have different laws dictating a license suspension, but many states will allow drivers who are eligible to apply for a restricted license.
Restricted licenses allow drivers to legally drive at certain times or to certain places. You will need an active insurance policy and to file SR-22 insurance if you want to be eligible for restricted driving privileges.
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How much are suspended license insurance rates?
Be prepared to may more for suspended license insurance coverage. Suspended license car insurance is a non-standard policy and will have more expensive rates than standard or full coverage policies.
Take a look at this table to see how much average car insurance rates increase after a suspended license from the top insurance companies:
Suspended License Insurance Rates by Company
Car Insurance Company Average Monthly Car Insurance Rates Average Monthly Suspended License Insurance Rates
Allstate $157 $211
State Farm $109 $158
Progressive $134 $199
Liberty Mutual $137 $210
USAA $79 $136
GEICO $106 $185
Farmers $127 $231
Nationwide $112 $253
These rates are just averages, and your suspended license insurance rates will vary based on your age, gender, and current driving record. How your license was suspended will also impact your rates.
How do I get car insurance after a license suspension?
Shopping for suspended license insurance can get tricky. You will need to file an SR-22 form to get car insurance after a license suspension. Once you file an SR-22, it signals to insurance companies that you are now a high-risk driver.
Not every provider offers high-risk coverage. If your provider drops you, you will have to find new insurance right away or you will not be eligible for a restricted license.
To get auto insurance after a license suspension, call your current provider and explain the details of your suspension. Ask if they can file an SR-22 with the state DMV to prove that you meet your state’s minimum insurance requirements.
If they offer high-risk insurance, your policy will automatically be adjusted. If not, your provider will cancel your policy, and you will have to shop with companies that offer high-risk coverage for drivers with suspended licenses.
To save money on coverage, shop around before you buy suspended license insurance. Start here with our free quote comparison tool below. Enter your ZIP code to get quotes now.