Published: June 3, 2022Updated: July 13, 2022

Does License Suspension Affect Car Insurance?

If your license is suspended, your car insurance company may cancel your policy mid-term.

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Not surprisingly, a license suspension can have a huge effect on car insurance. One, car insurance companies might cancel your policy before its end date, and two, you might decide to cancel it to save money. But there are more benefits to keeping your car insurance active than canceling it, even with a suspended license.

Does License Suspension Affect Car Insurance?

Yes, a license suspension does affect car insurance. Your insurance provider may cancel your policy mid-term. If it doesn’t, you may decide to cancel it yourself or leave it active.

Do Car Insurance Companies Run Your License?

Car insurance companies will run your license to see your driving record. Driver risk is one factor companies use to determine your auto insurance premiums. If your license is suspended, it indicates a higher driver risk and thus higher insurance costs.

Do Rates Increase After a Suspension?

Your car insurance rates will increase after a suspension, but the amount they’ll increase will depend on why your driver’s license was suspended and how long the violation will stay on your driving record.1

Do I Need Car Insurance if My License Has Been Suspended?

If your license was suspended without any restricted use (meaning you’re not allowed to drive at all), you do not need car insurance, as you won’t be driving. Many people with suspended licenses suspend car insurance temporarily. However, if you have a restricted license, you’ll need the minimum coverage your state requires.

Should You Suspend Your Car Insurance?

Even though you don’t need insurance on a car you’re not driving, you should keep your policy active anyway.

  • Pros of keeping car insurance with a suspended license: You’ll avoid a lapse in coverage, which means your rates won’t be as high as they could be if you canceled coverage and needed to get it again. Additionally, even though your license has been suspended, you may be able to use it in restricted circumstances, like driving to work. If that’s the case, you’ll need insurance to drive in every state except New Hampshire and Virginia, the two  states with no car insurance requirements. Plus, if your car has an auto loan or is a leased vehicle, insurance may be required for you to keep the car. Not to mention that even if you’re not driving your car, it could still become damaged in a hit-and-run, vandalism or weather-related incident. For these reasons, we recommend keeping your car insurance but perhaps dropping some coverages, like collision coverage, if you’re not driving at all. And for all new motor vehicles, comprehensive coverage is essential, as it covers damages to events other than collisions. Compare comprehensive versus collision coverage.
  • Cons of keeping car insurance with a suspended license: If you keep your insurance, you’ll have to pay the premiums, which may feel strange on a car you’re not driving.

Overall, maintaining an active insurance policy will keep your rates as low as possible when your license is reinstated.

How to Lower Your Rates After a License Suspension

Of course, a license suspension will result in higher insurance rates, but you can keep them as low as possible by following these steps:

  1. Find cheap car insurance companies like The General.
  2. Drop unnecessary coverages, like collision coverage on a car you don’t drive or comprehensive coverage on an older car.
  3. Lower your limits to the state minimums.
  4. Bundle any other insurance policies you have with your car insurance, like homeowners or renters insurance.
  5. Raise your deductible.

TIP

Make sure you can afford to pay your deductible if you raise it; otherwise, you won’t be covered under collision or comprehensive claims.

How to Get Car Insurance With a Suspended License

You can get car insurance with a suspended license, but not all companies offer high-risk insurance. Here’s how to get auto insurance without a license:

  1. Find a provider. Not all companies cover drivers with suspended licenses. These are the best no-license auto insurance companies:
    • USAA
    • Titan
    • The General
    • State Farm
    • Progressive
    • Nationwide
    • Infinity
    • GEICO
    • Farmers
    • Esurance
    • Dairyland
    • Allstate
  2. Compare rates. Compare quotes from multiple providers to see which one has the lowest premiums.
  3. Pay your premium. If you pay your premium on time, your coverage will begin on your policy’s effective date.

What Is High-Risk Car Insurance?

High-risk car insurance is for people with SR-22s or FR-44s (state-mandated forms that prove insurance coverage following certain traffic convictions) and/or bad driving records, including DUIs, at-fault accidents, and tickets. Drivers with poor driving records are considered high risk, or more likely to file claims. Car insurance companies place higher premiums on these drivers to protect their financial interests.

How to Handle a Suspended License

Here’s what to do after your license has been suspended:

  1. Keep your insurance policy active if your insurer hasn’t already canceled it.
  2. If your insurance company has canceled your policy, find a new provider to avoid a lapse in coverage.
  3. Pay any required fees or penalties before their due dates.
  4. Take any required classes, like a defensive driving course.
  5. Do not drive until your license is reinstated. Or, if you have a restricted license, only drive under those restrictions.

The Points System

In games, points are usually a good thing. But when it comes to your driving record, points are bad. Different states give different amounts of points for certain actions. For example, New York’s point system is shown below.

Offense Points
Speeding more than 40 miles over limit 11
Speeding 31-40 miles over limit 8
Speeding 21-30 miles over limit 6
Reckless driving 5
Failing to stop for a school bus 5
Violationg a railroad crossing 5
Speeding 11-20 miles over limit 4
Tailgating 4
Inadequate brakes 4
Speeding 1-10 miles over limit 3
Failure to yield right-of-way 3
Violations involving a traffic signal, yield sign, or stop sign 3
Improper passing, driving left of center, driving in the wrong direction, or unsafe lane change 3
Leaving the scene of an incident involving property damage or injury to an animal 3
Safety restraint violation involving a person under 16 3
Inadequate brakes while driving an employer’s vehicle 2
Any other moving violation 2

In New York, if you rack up 11 or more points within 18 months, the DMV will revoke or suspend your license.2 See below for your state’s minimum points for a license suspension.

State Points resulting in license suspension Time frame (in years)
Alabama 12-14 2
Alaska 12 1
Arizona 8 1
Arkansas 14 3
California 6 1
Colorado 12 1
Connecticut 10 2
Delaware 14 2
District of Columbia 10-11 2
Florida 12 1
Georgia 15 2
Hawaii No point system N/A
Idaho 8-11 1
Illinois 3 or more offenses 1
Indiana 2 or more offenses 1
Iowa 3 or more offenses 1
Kansas No point system N/A
Kentucky 12 2
Louisiana No point system N/A
Maine 12 1
Maryland 8-11 2
Massachusetts 7 offenses 3
Michigan 12 2
Minnesota No point system N/A
Mississippi No point system N/A
Missouri 8 1.5
Montana 15 3
Nebraska 12 2
Nevada 12 1
New Hampshire 12 1
New Jersey 12 3
New Mexico 7-10 1
New York 11 1.5
North Carolina 12 3
North Dakota 12 No time frame
Ohio 12 2
Oklahoma 10 5
Oregon No point system N/A
Pennsylvania 11 No time frame
Rhode Island No point system N/A
South Carolina 12 No time frame
South Dakota 15 1
Tennessee 12 1
Texas 4 offenses 1
Utah 200 3
Vermont 10 2
Virginia 18 1
Washington No point system N/A
West Virginia 12-13 2
Wisconsin 12 1
Wyoming No point system N/A3

What Is a License Suspension?

A license suspension is a temporary hold on your license that invalidates it, meaning you can’t drive legally.

Suspended vs. Revoked Licenses

What is the difference between a suspended and a revoked license? While suspended licenses are canceled for a finite period of time, revoked licenses are canceled permanently. People with suspended licenses can get their driving privileges back if they fulfill certain requirements, while people with revoked licenses may or may not be able to get new licenses, depending on the reason for the revocation.

Why Licenses Are Suspended or Revoked

There are a few reasons why a license would be suspended or revoked:

How to Reinstate a Suspended License

Once your license suspension period is over, it’s not reinstated automatically. Rather, you’ll need to fulfill your state’s DMV requirements, which may require you to take a defensive driving class, pay a fee, or obtain an SR-22.

Here is exactly what you’ll need to do to reinstate a suspended license in each state.

State Requirements URL of form Mailing address Fees and penalties
Alabama
  • Request for Reinstatement form
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dmvconnect.com/al-alabama/alabama-suspended-license/ Driver License Division

P.O. Box 1471

Montgomery, AL 36102

$175; $275 for DUI-related revoked license
Alaska
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
http://doa.alaska.gov/dmv/akol/reinstate.htm State of Alaska

Division of Motor Vehicles

Driver Services

3901 Old Seward Highway, Suite 101

Anchorage, AK 99503

$100; $200 for DUI-related revoked license
Arizona
  • Submitted investigation packet
  • Permission to Reapply Notice
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://azdot.gov/motor-vehicles/driver-services/license-revocation-and-suspension Motor Vehicle Division (MVD) Inquiries

P.O. Box 2100, MD 555M

Phoenix, AZ 85001

$20 reinstatement fee; $10-$25 application fee
Arkansas
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dfa.arkansas.gov/driver-services/dui-dwi-information/dui-dwi-bui-bwi-offenses/ Department of Finance and Administration

P.O. Box 1272

Room 1130 Little Rock, AR 72203-1272

$150 for DWI/BWI-related revocation
California
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dmv.ca.gov/portal/driver-licenses-identification-cards/dl-id-online-app-edl-44/ Driver’s License Inquiries

Department of Motor Vehicles

P.O. Box 942890

Sacramento, CA 94290-0001

$55
Colorado
  • DR 2870 Application for Reinstatement
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dmv.colorado.gov/process-reinstate-driving-privilege Colorado Department of Revenue

Driver Control/Reinstatements

P.O. Box 173345

Denver, CO 80217-3345

$95
Connecticut
  • Notice of Restoration form
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://portal.ct.gov/DMV/Suspension/Suspension/Resolving-a-Suspension Connecticut Department of Motor Vehicles

Driver Services Division

60 State St.

Wethersfield, CT 06161-1013

$175
Delaware
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dmv.de.gov/DriverServices/driver_improvement/index.shtml?dc=dr_di_suspension Delaware City Division of Motor Vehicles

2101 Mid County Drive

New Castle, Delaware 19720

$200
District of Columbia
  • Scheduled reinstatement hearing
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dmv.dc.gov/node/1119132 DC DMV Driver Improvement Office

P.O. Box 90120

Washington, D.C. 20090

$20 driver license fee
Florida
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.flhsmv.gov/driver-licenses-id-cards/driver-license-suspensions-revocations/other-suspensions-revocations/ https://www.flhsmv.gov/locations/ $75
Georgia
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dds.georgia.gov/georgia-licenseid/existing-licenseid/reinstate-license Department of Driver Services (DDS)

Validation Unit

P.O. Box 80447

Conyers, GA 30013

$25-$400 depending on the offense
Hawaii
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dmv.org/hi-hawaii/suspended-license.php Hawaii County:

Hilo Driver License Office

349 Kapiolani St.

Hilo, HI 96720

Honolulu County:

Mission Memorial Building

550 S. King St.

Honolulu, HI 96813

Maui County:

Maui Division of Motor Vehicles and Licensing

110 Alaihi St.

Suite 101

Kahului, HI 96732

Kauai County:

County of Kauai Department of Finance Driver License Division

4444 Rice St., Suite A480

Lihue, HI 96766

$20-$50
Idaho
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.accessidaho.org/itd/driver/reinstatement/index Idaho Transportation Department

3311 West State St.

Boise, ID 83707-1129

$15-$285 depending on the offense
Illinois
  • Scheduled reinstatement hearing
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.ilsos.gov/departments/BAIID/reinstate.html Secretary of State

Traffic Violations Section

2701 S. Dirksen Parkway

Springfield, Il 62723

$500 reinstatement fee; $50 filing fee when requesting formal reinstatement hearing
Indiana
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/reinstating-your-driving-privileges/ Bureau of Motor Vehicles

P.O. Box 100

Winchester, IN 37394-0100

Amount found in Official Driver Record account
Iowa
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://mymvd.iowadot.gov/Account/Login?ReturnUrl=%2fCompliance Iowa DOT

800 Lincoln Way

Ames, IA 50010

$200 civil penalty for OWI (Operating While Intoxicated)
Kansas
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.ksrevenue.gov/dovsuspended.html Driver Solutions Bureau

P.O. Box 12021

Topeka, KS 66612-2021

Amount found in the Official Driver Record account.
Kentucky
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dmv.org/ky-kentucky/suspended-license.php Kentucky Transportation Cabinet

200 Mero St.

Frankfort, KY 40622

$40
Louisiana
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.expresslane.org/drivers/driver-reinstatement/suspensions/ Louisiana OMV Mail Center

P.O. Box 64886 Baton Rouge, LA 70896

Amount varies depending on reason for suspension
Maine
  • Reinstatement request
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.maine.gov/sos/bmv/licenses/suspension.html Bureau of Motor Vehicles

Driver License Services Division

29 State House Station

August, ME 04333-0029

Amount will be found on request form
Maryland
  • Reinstatement request
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://mva.maryland.gov/about-mva/Pages/info/26200/26200-01T.aspx MVA

Driver Wellness and Safety Division

6601 Ritchie Highway

Glen Burnie, MD 21062

Amount will be available at the MVA
Massachusetts
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.mass.gov/how-to/reinstate-your-drivers-license RMV locations $100-$1200 depending on the offense
Michigan
  • Scheduled reinstatement hearing
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.michigan.gov/sos/0,4670,7-127-1627_8665_9074-32058–,00.html Michigan Department of State

Special Services Branch

7064 Crowner Drive

Lansing, MI 48918

$125
Minnesota
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dps.mn.gov/divisions/dvs/Pages/dvs-content-detail.aspx?pageID=680&pageTitle=Driver%27s%20License%20-%20Class%20D%20%E2%80%93%20Resolve%20Revoked%20License Driver and Vehicle Services

Customer Contact Unit

445 Minnesota St., Suite 170

St. Paul, MN 55101

$680 for alcohol/drugs/criminal vehicular operation; $30 for other offenses
Mississippi
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.driverservicebureau.dps.ms.gov/DriverRecords/Reinstatement Driver Records Division/Reinstatement

P.O. Box 958

Jackson, MS 39205

$25-$175 depending on the offense
Missouri
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dor.mo.gov/driver-license/revocation-reinstatement/reinstatement-requirements.html#chart Driver License Bureau

P.O. Box 200

Jefferson City, Missouri 65105-0200

$20-$45 depending on the offense
Montana
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dojmt.gov/driving/driver-license-sanctions/ Motor Vehicle Division

Records and Driver Control Bureau

P.O. Box 201430

Helena, MT 59620-1430

$100
Nebraska
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dmv.nebraska.gov/fr/court-ordered-revocations Department of Motor Vehicles

301 Centennial Mall South

P.O. Box 94877

Lincoln, NE 68509-4877

$125
Nevada
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dmvnv.com/dlsuspension.htm Nevada Department of Motor Vehicles

555 Wright Way

Carson City, NV 89711

$120 reinstatement fee for alcohol/drug-related revocations; $75 for other offenses
New Hampshire
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dmv.nh.gov/tickets-accidents-or-restorations/suspension-and-restoration NH DMV

Bureau of Financial Responsibility

P.O. Box 3838

Concord, NH 03301

$25-$100
New Jersey
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.state.nj.us/mvc/license/suspension.htm New Jersey Motor Vehicle Commission

P.O. Box 165

Trenton, NJ 08666-0165

$100
New Mexico
  • Reinstatement application
  • Signed “Order of Restoration” (5- or 10-year period revocation period)
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.mvd.newmexico.gov/nm-drivers-licenses-ids/drivers-license/reinstate-a-suspended-license/ MVD locations Amount will be available at the MVD
New York
  • Reinstatement application
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dmv.ny.gov/tickets/how-request-restoration-after-driver-license-revocation Driver Improvement Unit

NYS DMV

6 Empire State Plaza, Room 336

Albany, NY 12228

$100
North Carolina
  • Reinstatement hearing
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.ncdot.gov/dmv/license-id/license-suspension/Pages/default.aspx N.C. Division of Motor Vehicles

Fiscal Unit

P.O. Box 29615

Raleigh, NC 27626-0615

$140.25 reinstatement fee for alcohol/drug-related offenses; $70 for other offenses
North Dakota
  • Reinstatement hearing
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dot.nd.gov/divisions/driverslicense/recordservices-suspensions.htm Drivers License Division

608 E. Boulevard Ave.

Bismarck, ND 58505

$25-$100 depending on the offense
Ohio
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://publicsafety.ohio.gov/static/bmv2401.pdf Ohio Bureau of Motor Vehicles

P.O. Box 16784

Columbus, OH 43216-6784

$15-$475 depending on the offense
Oklahoma
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://oklahoma.gov/dps/reinstate-driver-license.html Oklahoma Department of Public Safety

3600 N. Martin Luther King Ave.

Oklahoma City, OK 73111

Amount will be available at the DPS
Oregon
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.oregon.gov/odot/dmv/pages/driverid/suspreasons.aspx DMV Headquarters

1905 Lana Ave. NE

Salem, OR 97314

$75
Pennsylvania
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dmv.pa.gov/Information-Centers/Suspensions/Pages/Restore-Driving-Privilege.aspx Pennsylvania Department of Transportation

1101 S. Front St.

Harrisburg, PA 17104

Amount will be available at the DMV
Rhode Island
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dmv.ri.gov/licenses-permits-ids/drivers-licenses/reinstatement Suspension/Reinstatement

600 New London Ave.

Cranston, RI 02920

$62.50 for license renewal
South Carolina
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.scdmvonline.com/Driver-Services/License-Reinstatement SCDMV

Driver Records

P.O. Box 1498

Blythewood, SC 29016-0028

$100
South Dakota
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dps.sd.gov/driver-licensing/south-dakota-licensing-information/revoked-or-suspended Driver Licensing Program

118 W. Capitol Ave.

Pierre, SD 57501

$50-$100, depending on the offense
Tennessee
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.tn.gov/safety/driver-services/reinstatements.html#Pay Tennessee Department of Safety and Homeland Security

Attention to: Reinstatements

P.O. Box 945

Nashville, TN 37202

Amount will be available at the Reinstatement Center
Texas
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dps.texas.gov/section/driver-license/reinstating-your-driver-license-or-driving-privilege Compliance Documentation without Reinstatement Fees:

Texas Department of Public Safety

Enforcement and Compliance Service

P.O. Box 4087

Austin, TX 78773-0320

Compliance Documentation with Reinstatement Fees:

Texas Department of Public Safety

Central Cash Receiving

P.O. Box 15999

Austin, TX 78761-5999

Amount found in License Eligibility account
Utah
  • Reinstatement application
  • Scheduled reinstatement appointment
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dld.utah.gov/reinstatement/ Driver License Division

P.O. Box 144501

Salt Lake City, Utah 84114-4501

$85 reinstatement fee plus $255 administrative fee for alcohol/drug-related offenses; $40 for other offenses
Vermont
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://dmv.vermont.gov/licenses/suspensions Vermont DMV

120 State St.

Montpelier, VT 05603-0001

Amount will be available at the DMV
Virginia
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dmv.virginia.gov/drivers/#reinstate.asp Virginia Department of Motor Vehicles

P.O. Box 27412

Richmond, VA 23269

$145-$220 depending on the offense
Washington
  • License Express account
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dol.wa.gov/licenseexpress.html Department of Licensing

P.O. Box 9030

Olympia, WA 98507-9030

$150 for alcohol/drug-related offenses; $75 for other offenses
West Virginia
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.acluwv.org/en/news/new-wv-law-addresses-suspended-drivers-licenses P.O. Box 17030

Charleston, WV 25317

$25
Wisconsin
  • Online Eligibility account
  • New license
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://wisconsindot.gov/Pages/dmv/teen-driver/teen-hw-aply/driver-fees.aspx Wisconsin Department of Transportation

DMV Communication Center

P.O. Box 7983

Madison, WI 53707-7983

$200 for OWI-related offenses; $60 for other offenses
Wyoming
  • Proof of SR-22 insurance
  • Completed educational programs
  • Fee
https://www.dot.state.wy.us/home/driver_license_records/suspensionsignition-interlock/reinstatement.html WYDOT-Driver Services

5300 Bishop Blvd.

Cheyenne, WY 82009-3340

$50

What Car Insurance Looks Like With a Reinstated License

Car insurance will be more expensive after your license is reinstated because you’ll be considered a high-risk driver. The more risk the insurance company takes on, the higher your premiums will be.

What if You Drive With a Suspended License?

If you get caught driving with a suspended license, you’ll have to pay a fee, go to jail, or have your suspension period lengthened. Punishments vary by state, as shown in the chart below.4

State Fine Maximum imprisonment Impoundment of the vehicle? Extension of license suspension increase, if any Other punishments
Alabama $100-$500 180 days Yes 6 months None
Alaska None Second offense: 10 days Possible 90 days First offense: 80 hours of community service
Arizona None 6 months Possible None None
Arkansas $500 6 months None None None
California First offense: $300-$1,000

Subsequent offenses: $500-$2,000

First offense: 6 months

Subsequent offenses: 1 year

None None None
Colorado $500 First offense: 6 months

Subsequent offenses: 1 year

None First offense: 1 year

Subsequent offense: 3 years

None
Connecticut First offense: $150-$200

Subsequent offenses: $200-$600

First offense: 3 months

Subsequent offenses: 1 year

None None None
Delaware First offense: $500-$1,000

Subsequent offenses: $1,000-$4,000

First offense: 6 months

Subsequent offenses: 1 year

First offense: 90 days (possible)

Subsequent offenses: 1 year (possible)

None None
District of Columbia $2,500 1 year None None None
Florida First offense: $500

Second offense: $1,000

Subsequent offenses: $5,000

First offense: 60 days

Second offense: 1 year

Subsequent offenses: 5 years

For third or subsequent offenses None None
Georgia First offense: $500

Second or third offense: $1,000-$2,500

Subsequent offenses: $2,500-$5,000

First offense: 1 year

Second or third offense: 1 year

Subsequent offenses: 1-5 years

None 6 months None
Hawaii First offense: $250-$1,000

Second offense: $1,000

Subsequent offenses: $2,000

First offense: 30 days

Second offense: 30 days

Subsequent offenses: 1 year

None First offense: 1 year

Second offense: 2 years

Subsequent offenses: permanent license revocation

None
Idaho First offense: $1,000

Second offense: $1,000

Subsequent offenses: $3,000

First offense: 6 months

Second offense: 1 year

Subsequent offenses: 1 year

None First offense: 180 days

Second offense: 1 year

Subsequent offense: 2 years

None
Illinois First offense: $2,500

Subsequent offenses: $25,000

First offense: 1 year

Subsequent offenses: 3 years

Possible None None
Indiana No more than $10,000 2.5 years None None None
Iowa $1,500 None None 1 year None
Kansas $100 5 days None 90 days None
Kentucky None First offense: 90 days

Second offenses: 1 year

Subsequent offenses: 5 years

None First offense: 6 months

Second offense: 1 year

Subsequent offenses: 2 years

None
Louisiana Class D or E driver’s license: $500

Subsequent offense: $300-$500, potential civil fine of no more than $1,150

Class A, B, or C driver’s license: no more than $5,000

Subsequent offenses: $300-$500, potential civil fine of no more than $2,500

6 months None 1 year None
Maine First offense: $250

Second offense: $500

None None 1 year None
Maryland $1,000 First offense: 1 year

Subsequent offenses: 2 years

Possible First offense: 1 year

Subsequent offenses: 2 years

None
Massachusetts $500-$1,000 First offense: 10 days

Subsequent offenses: 1 year

None 60 days None
Michigan First offense: $500

Second offense: $1,000

First offense: 93 days

Second offense: 1 year

None Increase by like period Cancellation of vehicle’s registration plates
Minnesota $1,000 90 days None None None
Mississippi $200-$500 6 months None 6 months None
Missouri None First offense: 1 year

Second offense: 1 year

Subsequent offenses: 4 years

None None None
Montana $500 Second offense: 6 months None Second offense: 1 year None
Nebraska None None None None First offense: Unable to operate any motor vehicle for 1 year; license revocation for like period

Subsequent offenses: Unable to operate any motor vehicle for 2 years; license revocation for like period

Nevada $1,000 6 months None Increase by like period None
New Hampshire $1,000 7 days None 1 year None
New Jersey First offense: $500

Second offense: $750

Subsequent offenses: $1,000

Second offense: 5 days

Subsequent offenses: 10 days

None 6 months None
New Mexico $1,000 364 days Possible None None
New York First offense: $200-$500

Subsequent offenses: $500

First offense: 30 days

Subsequent offenses: 180 days

None None None
North Carolina $200 10 days None First offense: 1 year

Second offense: 2 years

Third offense: Permanent license suspension

None
North Dakota First, second, or third offense: $1,500

Fourth or subsequent offenses: $3,000

First, second or third offense: 30 days

Fourth or subsequent offenses: 1 year

None None Possible destruction of license plate
Ohio $1,000 First offense: 500 hours community service

Subsequent offenses: 180 days

None None Possible license plate impoundment
Oklahoma First offense: $100-$500

Second offense: $200-$750

Subsequent offenses: $300-$1,000

First or second offense: 30 days

Third or subsequent offenses: 1 year

None None None
Oregon $220-$2,000 None Possible None None
Pennsylvania First offense: $200

Second offense: $1,000

Subsequent offenses: $2,500

Second offense: 90 days

Subsequent offenses: 6 months

None None None
Rhode Island First offense: $250-$500

Second offense: $350-$500

Subsequent offenses: $500-$1,000

Third or subsequent offenses: 90 days None Third or subsequent offense: 90 days None
South Carolina First offense: $300

Second offense: $600

Subsequent offense: $1,000

First offense: 30 days

Second offense: 60 days

Subsequent offenses: 90 days

None None None
South Dakota $500 30 days None None None
Tennessee First offense: $500

Subsequent offenses: $2,500

First offense: 6 months

Subsequent offenses: 11 months, 29 days

None Increased by like period of time None
Texas First offense: $500

Subsequent offenses: $2,000

Second or subsequent offenses: 180 days None None None
Utah $1,000 6 months None None None
Vermont $5,000 2 years None None Seizure of license plates
Virginia $2,500 1 year 90 days None None
Washington No more than $5,000 364 days None None None
West Virginia $100-$500 Third or subsequent offenses: 90 days None None None
Wisconsin $50-$200 None Possible None None
Wyoming $750 None None None None

Will Insurance Cover an Accident With a Suspended License?

If you get into an accident while driving with a suspended license, your car insurance company will only cover the accident if your policy is still active. If the insurance company canceled your policy when your license was suspended, you’ll be responsible for the damage and injury costs out of pocket.5

Keeping a Clean Record

Here are a few strategies to keep a clean record and avoid getting a suspended license:

  1. Employ defensive driving tactics like scanning your surroundings, avoiding distracted driving, and braking early.
  2. Avoid road rage.
  3. Don’t drive while drowsy or under the influence.

What Is an SR-22?

An SR-22 certificate is proof of minimum insurance. If you get a DUI, you might be required to carry an SR-22 for a period of around three years.

NOTE

SR-22s are also known as Financial Responsibility Insurance Certificates.

Can You Buy a Car With a Suspended License?

Technically, you can buy a car with a suspended license. However, you won’t be able to drive it off the lot with a suspended license, so you’ll need a friend or someone listed on your policy to drive your car under your policy’s permissive-use clause, if any. Also note that if your license is suspended, you will probably encounter difficulty getting an auto loan, which makes buying a car difficult if you can’t pay for it upfront.

Can You Rent a Car With a Suspended License?

You won’t be able to rent a car with a suspended license. You’ll need an active, valid license to rent a car, according to the major rental car companies like Budget.6

Can You Register a Car With a Suspended License?

In every state, you can technically register a car with a suspended license. However, some states ban you from adding yourself as an excluded driver on car insurance policies, so finding insurance will be more difficult, which may pose a problem for registering your vehicle. You may have to find a company that accepts SR-22s or people with suspended licenses. Then you will be able to register your vehicle.

State Can you register a car with a suspended license?
Alabama Yes
Alaska Yes
Arizona Yes
Arkansas Yes
California Yes
Colorado Yes
Connecticut Yes
Delaware Yes
District of Columbia Yes
Florida Yes
Georgia Yes
Hawaii Yes
Idaho Yes
Illinois Yes
Indiana Yes
Iowa Yes
Kansas Yes, but it will be harder to find insurance because you can’t list yourself as an excluded driver on a policy.
Kentucky Yes, but it will be harder to find insurance because you can’t list yourself as an excluded driver on a policy.
Louisiana Yes
Maine Yes
Maryland Yes
Massachusetts Yes
Michigan Yes, but it will be harder to find insurance because you can’t list yourself as an excluded driver on a policy.
Minnesota Yes
Mississippi Yes
Missouri Yes
Montana Yes
Nebraska Yes
Nevada Yes
New Hampshire Yes
New Jersey Yes
New Mexico Yes
New York Yes, but it will be harder to find insurance because you can’t list yourself as an excluded driver on a policy.
North Carolina Yes
North Dakota Yes
Ohio Yes
Oklahoma Yes
Oregon Yes
Pennsylvania Yes
Rhode Island Yes
South Carolina Yes
South Dakota Yes
Tennessee Yes
Texas Yes
Utah Yes
Vermont Yes
Virginia Yes, but it will be harder to find insurance because you can’t list yourself as an excluded driver on a policy.
Washington Yes
West Virginia Yes
Wisconsin Yes, but it will be harder to find insurance because you can’t list yourself as an excluded driver on a policy.
Wyoming Yes

Can Someone Drive My Car if My License Is Suspended?

If your car insurance policy is still active even with a suspended license, then yes, someone else can drive your car legally as long as you have borrowed car insurance coverage. Most policies come with a permissive-use clause that says that your insurance will cover anyone who drives your car with permission. In other words, car insurance usually follows the car, not the driver.

If someone drives your car frequently, does not live in your household, and is not on your policy, consider non-owner car insurance. Non-owner car insurance is basic liability insurance and is normally cheaper than regular insurance. If your insurance has been canceled or not renewed, non-owner car insurance may cost less than car insurance with a suspended license.

If Your Insurance Gets Canceled, Is Your License Suspended?

Just because your insurance was canceled doesn’t mean your license was suspended, although that’s one of the possible reasons your insurance would be canceled. Car insurance companies can also cancel your policy mid-term if you misrepresented yourself on your application, committed fraud, or didn’t pay for your policy within a specific time period. Learn more about insurance policy cancellations and nonrenewals.

Recap

A suspended license doesn’t always mean a lapse in insurance, but it does lead to higher prices down the road. Your best bet is to avoid getting your license suspended, but if it has been, keep your policy active to avoid even higher premiums in the future.

Citations

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

  2. A GUIDE TO SUSPENSION & REVOCATION OF DRIVING PRIVILEGES IN NEW YORK STATE. New York State Department of Motor Vehicles.
    https://dmv.ny.gov/brochure/c-12.pdf.

  3. Driver’s License Points by State. FindLaw. (2016, Jun 20).
    https://www.findlaw.com/traffic/traffic-tickets/state-specific-points-systems.html.

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

  5. What If I’m At-Fault in an Accident With a Suspended License in Massachusetts? Sweeney Merrigan.
    https://www.sweeneymerrigan.com/blog/what-if-im-at-fault-in-an-accident-with-a-suspended-license/.

  6. Driver’s License Requirements. Budget.
    https://www.budget.com/en/help/usa-faqs/license-requirements.