Generally speaking, yes, you can get auto insurance even when your driver’s license is suspended. However, this may be quite difficult. The reason is that, generally, insurance companies won’t provide coverage if you drive illegally while your license is suspended or if you are not legally able to drive.
Just so you know, a driver’s license can be suspended for various reasons, like repeated traffic violations, driving without insurance, or driving under the influence.
Regardless of the reason your license gets suspended, most insurance companies will see you as a high-risk driver, and this will lead to higher premiums. If you need insurance with a suspended license, there are certain companies that provide coverage while you work on getting your license back.
Reasons Your License May Be Suspended
Just so you know, your driver’s license can be suspended for so many reasons. This means you will temporarily lose the right to drive. Some of these reasons include:
- Driving under the influence of alcohol or drugs (DUI/DWI)
- Reckless driving
- Causing accidents
- Not paying traffic tickets
- Having too many driving points
- Driving without insurance
- (Lapse in coverage)
- Medical problems such as epilepsy or other conditions that affect consciousness
Each state has its own laws, and your insurance provider’s policies will determine what is needed to get your license back and whether your insurance premiums will go up.
I Have a Suspended License; Can I Still Get Insurance?
Just as I have mentioned above, even if your license is suspended, you should still be able to get insurance.
Although you might not be able to drive, keeping your vehicle insured is very important to avoid a coverage gap. Always remember that finding insurance might be harder and more expensive, but it’s still possible.
How You Can Get Auto Insurance With a Suspended Driver’s License
Just as I have mentioned above, getting car insurance with a suspended license can vary by state; however, here are some steps to help you:
- File an SR-22 or FR-44: Meet with your current insurance provider to file an SR-22 or FR-44 for you. This will help prove you have insurance. If you’re getting a new policy, request this from an insurer and pay a small fee.
- Get a restricted license: Some states will mandate a restricted, conditional, hardship, or provisional license before fully reinstating your license. Check with your state’s DMV or BMV for more information on how to get this limited license.
- Compare insurance quotes: To find affordable coverage, especially if your rates get increased after the suspension, get quotes from multiple insurance companies and compare them. Some insurers that offer coverage for a suspended driver include The General, Geico, and Bristol West.
- Verify with your state: Before driving again, you will have to confirm with your state’s DMV or BMV that you’ve met all the requirements that are needed. .
Will a License Suspension Make My Car Insurance Rates Go Up?
Yes, a suspended license can lead to higher car insurance rates because most insurers will see you as a higher risk. However, how much and how long your rates go up will depend on several factors, like why your license was suspended, the insurer you went for, and your personal details. For instance, if your license was suspended due to multiple DUIs, your rates will likely increase more than if it was suspended because you were battling with medical issues.
You can get cheap car insurance coverage with a suspended license, but it will require more effort and research. You will need to apply many money-saving methods. The first thing you need to do is compare quotes from different companies to determine which one gives the lowest rates for your situations. Also, you should improve your credit score. This will help you get a lower rate because most insurers may consider your credit history when determining rates.
Frequently Asked Questions
How long will my license suspension affect my insurance?
Usually, it will affect your policy until the suspension is lifted and you improve your driving record.
Can I add someone to my policy with a suspended license?
This may be quite difficult. As insurers view people with suspended licenses as high-risk, It is advisable that you consider separate policies or non-owner insurance.
Does the state law allow insurance with a suspended license?
You will have to check the state-specific regulations of the state you are residing in, as requirements vary.
Will my suspended license affect other drivers on my policy?
Yes, it may affect other drivers listed on the policy. However, the specs depend on your insurer and the terms of your policy.
