If your driver’s license is suspended, it can be difficult to get car insurance because insurers generally don’t offer coverage if you can’t drive legally or if you drive illegally while your license is suspended. If you do eventually get car insurance, your rates can also go up significantly.
However, drivers with suspended licenses may still be able to find auto insurance, under the terms of their license suspension, if they first obtain a restricted license or SR-22 insurance. Plus, comparing rates from multiple insurers is often the best way to find auto insurance savings.
getting car insurance with a suspended license
Often when you have a suspended license, the best course of action is to obtain a restricted license from your state’s department of motor vehicles, which can conditionally reinstate your driving privileges. Additionally, in some cases, obtaining SR-22 insurance may be the only way to obtain auto insurance coverage and regain your driving privileges after your license is suspended.
apply for a restricted or conditional license
Certain insurers may offer you insurance coverage if you can successfully apply for a restricted license. To find a car insurance policy with a restricted license, you’ll probably be limited to non-standard insurance, a level of insurance that covers high-risk drivers. non-standard insurers include:
A restricted license, also known as a hardship license, conditionally reinstates your driving privileges if your license was previously suspended for a moving violation. your eligibility and the specific terms of your restricted license vary by state. however, you may not be eligible to apply for a restricted license if you have had a prior suspension. Also, a restricted license may only allow you to drive during the day or only for designated purposes, such as going to work or school.
In some states, instead of a restricted license, you can apply for a conditional license if your driving privileges have been suspended. Obtaining a conditional license restores your ability to drive, usually on the condition that you complete a DMV-sponsored driving program.
in new york, for example, drivers whose licenses have been suspended for a driving and drinking violation could receive a conditional license if they attend a dmv-approved disabled driver program.
get sr-22 insurance
If your license was suspended due to a serious traffic violation, such as driving while intoxicated or driving without insurance, your state may require you to obtain an SR-22 insurance policy before your license can be reinstated. SR-22 insurance is a type of policy where your insurer files a form with the DMV certifying that you have the auto insurance coverage required in your state.
Although most insurers may offer you SR-22 coverage, some standard insurers may not provide you with a quote because they consider you a high-risk driver. Instead, non-standard auto insurance companies like General Accept and Titan may be your best options for insuring your vehicle.
how to get cheap car insurance with a suspended license
Although it may be tempting to stick with your current insurer, the best way to get cheap auto insurance rates is to compare quotes from multiple companies. That’s because insurers assess traffic violations differently when setting rates, so you’ll need to shop around to find the cheapest auto insurance company if your license is suspended.
why you should keep car insurance while your license is suspended
If you are in the middle of your insurance policy term and your license is suspended, you should not cancel your coverage. A gap in coverage, which occurs when you cancel a policy with no other coverage in force, can send rates skyrocketing the next time you shop for car insurance.
You may be tempted to cancel your policy to save on insurance premiums; however, we have found that rates could increase by 29% for drivers with a gap in coverage. therefore, what you could potentially save on premiums probably won’t be worth the increased rates when you purchase your next auto insurance policy.
Can you rent a car with a suspended license?
Car rental companies will not allow you to rent a car with a suspended license. In addition, many major car rental companies, including Avis, Budget, and Dollar, reserve the right to conduct an electronic DMV check of your driving record to confirm that your license is not suspended or revoked. Also, some car rental agencies may turn away drivers if they have recent traffic violations, such as DUIs.
can you buy a car with a suspended license?
There is no specific requirement that you must have a valid license when you purchase a vehicle, although you will need to provide proof of insurance when registering your car. So while it’s technically possible to buy a car with a suspended license and get a title in your name, you’ll need to get insurance before you can register the vehicle.
Also, if you plan to finance your purchase, it can be quite difficult to buy a car with a suspended license. the company that provides you with an auto loan will likely turn you down without a valid license.
registration of a car with a suspended license
In most states, it is not a requirement to have a valid license to register a vehicle. however, you will likely need to provide proof of insurance as well as proper identification documents.
To get insurance first, you’ll need to use one of the methods listed above, such as applying for a hardship license or getting SR-22 insurance. after obtaining coverage, you can apply for registration through your state’s office of motor vehicles.
To find the typical cost of car insurance after an insurance lapse (which drivers may be tempted to allow after their license is suspended), we collected sample rates for drivers in New York and Pennsylvania from three insurers. important in three intervals: no coverage gap, a short gap (less than 30 days), and a long gap (more than 30 days).
The conditions under which your license is suspended also affect your rates. if you received a dui, for example, that would also affect your rates once your license is reinstated.