Published: January 10, 2022Updated: February 16, 2022

Can You Get Car Insurance With a Suspended License?

And if your license is suspended, should you cancel your current policy?

If you don’t follow the rules of the road, your driver’s license could be suspended. If that’s the case, and you can’t legally drive, is it worth it to keep paying for your car insurance? And if you don’t have insurance currently, should you buy it?

Can You Get Car Insurance With a Suspended License?

A driver with a suspended license can get car insurance, but not surprisingly, it’ll be a much more difficult process than if they had a valid license. Usually, driver’s licenses are suspended due to poor driving records full of incidents like speeding or DUIs. Maybe you even had to get an SR-22 form, proof of your auto insurance, due to such an incident. No matter the reason, having a suspended license will certainly make getting insurance more difficult, but not impossible.

Auto insurance with a suspended license

Will My Car Insurance Rates Increase Because My License Was Suspended?

As you can imagine, getting a license suspension will also make car insurance more expensive than it would otherwise be, especially if you were convicted of a serious offense like reckless driving or a DUI1. Learn more in our FAQs about insurance for motor vehicles.

DID YOU KNOW?

Driving with a suspended license can lead to fines or even jail time, depending on your state.2

How to Get Liability Insurance With a Suspended License

There are car insurance companies that will write you a policy even with a suspended license. The process isn’t too difficult from how to get auto insurance under normal circumstances.

  1. Find the right auto insurance companies. The hardest part will be finding a provider that takes license suspensions and/or SR-22s. However, these companies file SR-22s:
    • Allstate
    • Dairyland
    • Esurance
    • Farmers
    • GEICO
    • Infinity
    • Nationwide
    • Progressive
    • State Farm
    • The General
    • Titan
    • USAA
  2. Compare rates. To get the lowest-priced auto insurance, compare auto insurance quotes from different companies.
  3. Pay your premium. Once you pay your premium, your coverage will go into effect on the effective date in your policy.

Do I Need Car Insurance If My License Is Suspended?

If you already have a policy currently, you may be wondering if you can cancel your auto insurance and save some money. While you technically can cancel your auto insurance at any time, you may run into some cancellation fees, and you may or may not get a refund on the premium you’ve paid for in advance.

Keep Your Car Insurance with a Suspended License

Another outcome is that your auto insurance provider cancels your policy mid-term, which it’s legally allowed to do due to the suspension. If that’s the case, you won’t have a choice, and your policy will end before its expiration date. But if your insurance provider doesn’t cancel your insurance, there are some good reasons to keep it active.

Why You Should Keep Your Car Insurance

Although not suspending your car insurance temporarily while your license is suspended may seem silly, it makes sense for a few reasons:

  • Avoid lapses in coverage: Gaps in coverage could make your insurance rates higher, as they’re associated with high-risk drivers.
  • Drive on a restricted basis: If you have to go to work, school, or medical appointments, you could get a restricted license to drive to these locations. If you’re driving at all, you’ll still need insurance.
  • Get your license reinstated: Once you’re eligible for license reinstatement, you will most likely need proof of insurance to get it reinstated.
  • Protect your car from damages: Even if you’re not driving your car, it could still be damaged, and without insurance, you’d be responsible for the costs of repairing or replacing it out of pocket. Insurance can reimburse you for events like hit-and-runs under underinsured motorist coverage; vandalism, theft, and fires under comprehensive coverage; and other events that don’t require driving on your part.

To save money, consider dropping collision coverage if you’re allowed. If no one else is driving your car and it’s parked in a private spot, it’s unlikely it’ll be involved in a collision. Read more about the difference between collision and comprehensive coverage.

NOTE

If you purchased your car using an auto loan or a lease, comprehensive and collision insurance may be required.

Recap

If you’re notified that your license has been suspended, stop and think before canceling your current auto insurance policy. Gaps in coverage never look good, and unlike with license revocation, license suspensions aren’t forever. To keep your rates as reasonable as possible, it’s best to maintain some form of auto insurance, even if you have to stop supplemental insurance coverages. You’ll appreciate it when you’ll be able to legally drive again.

Citations

  1. Can you get car insurance with a suspended license? Progressive. (2021).
    https://www.progressive.com/answers/car-insurance-with-suspended-license/

  2. Driving While Revoked, Suspended or Otherwise Unlicensed: Penalties by State. Progressive. (2021, Jul 7).
    https://www.ncsl.org/research/transportation/driving-while-revoked-suspended-or-otherwise-unli.aspx