How do I get car insurance with a suspended license?
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UPDATED: Oct 19, 2021
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Driving with a suspended license is illegal, but under certain circumstances, you may need to maintain your car insurance. Special circumstances include having a hardship license that allows you to drive to and from work and having other drivers on your policy. Since your current insurance company may no longer insure you due to your new high-risk status, it is important to find new coverage right away by using a comparison tool. An insurance policy comparison tool will allow you to search through various policies, choose a policy and pay for that policy. Start comparing car insurance rates now by using our FREE tool above!
What does a suspended license mean?
Having a suspended license means that your driving privileges have been revoked. Since it is illegal to drive with a suspended license, you will need to have your license reinstated and receive a new license before you can resume driving.
The driver’s license reinstatement requirements vary by state and also depend on the reason your license was suspended.
If you are caught driving with a suspended license by a law enforcement officer, you could face civil or criminal charges. The difference depends on whether you knew your license was suspended and the laws and regulations in your state. If you did not know your license was suspended, the traffic cop that stopped you may simply issue you a citation. If it is determined that you are knowingly driving with a suspended license, you could be charged with a felony and sentenced to prison.
- Driving with a suspended license is illegal even if you do not know your license is suspended
- Getting stopped by a police officer while driving on a suspended license can result in misdemeanor or felony charges
- It is in your best interest to start the process of reinstating your license as soon as you know it is suspended
- If you need car insurance while your license is suspended, a comparison tool can help you
- In most states, you are required to have liability insurance to drive legally
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What causes a license suspension?
The reasons for a driver license suspension can vary greatly from not paying your speeding tickets to being convicted of assault. The severity of your infraction will determine how difficult it is to get your license reinstated.
- Too many points on your license
- DWI or OWI
- Certain types of car accidents
- Not showing up to your court date
- A lapse in car insurance
If your license is suspended and you won’t be driving for a while, you can cancel your auto policy. However, you must turn in your license plate to the Department of Motor Vehicles before doing so.
It might also not be in your best interest to cancel your policy. If you cancel, you will have a lapse in coverage, and it will be more difficult, and also more expensive, to get coverage when you’re ready to drive again.
Talk to your insurance provider before making a decision. Tell them your license has been suspended and ask if you can suspend your coverage rather than canceling. You want to maintain continuous coverage if at all possible.
What are temporary and hardship licenses?
Under certain circumstances, your driver’s license may not be fully suspended. Instead, you may be issued a temporary license or a hardship license. These licenses are severely restricted. In general, you are allowed to do limited driving, i.e., to go to work, school, and medical appointments.
If you are caught operating your vehicle outside of your license’s limitations, you could face a full suspension.
If you are allowed to drive under a hardship license, you will need car insurance. Unfortunately, once your license is suspended or severely revoked, you become a high-risk driver. Being labeled as a high-risk driver can significantly limit your auto insurance policy options because some insurance companies do not insure high-risk drivers due to their increased liability risk. When you do finally find a policy, the premium amount may be double or triple what you were paying for your car insurance, which may make car insurance unaffordable for you.
- A hardship license allows you to drive under certain circumstances
- Having a suspended or hardship license labels you as a high-risk driver
- High-risk drivers must find and purchase high-risk car insurance policies, also called SR-22 policies
Your current insurer may be willing to file an SR-22 form for you so you can remain covered, but they could also decide to drop your coverage altogether.
If that’s the case, you will need to look into non-standard insurance companies.
What do you need to do about finding auto insurance coverage with a suspended license?
If you are having difficulty finding an auto insurance provider with a suspended license or a hardship license, a comparison tool can help you find the coverage you need. Entering your personal information, information about your car and information about your driving habits and history will trigger the tool to search for an insurance carrier that meet your needs. Once you have the results, you can easily read through the policies and look at the premium amounts in order to find the best coverage for your circumstances.
- Finding affordable car insurance from a standard insurer as a high-risk driver can be difficult
- High-risk auto insurance policies are dramatically more expensive than standard policies
- A comparison tool can help you quickly find the right auto insurer
The best course of action is to start the reinstatement process as soon as you find out your license is suspended. However, you may still need car insurance while you work on getting your license back. Since having a suspended or partially suspended driver’s license makes you a high-risk driver, your previous insurance company may refuse to insure you. If this happens, you can use a comparison tool to find and purchase a new car insurance policy. Start comparing car insurance rates now by entering your zip code in our FREE tool below!