Cheap Suspended License Insurance

When your license is suspended, finding suspended license insurance is only one of the challenges you will face it will likely mean you will face, along with increased rates of up to 97% for 5 years, so it's best to start to remedy the situation. If you want to learn how to check if your license is suspended before you buy suspended license insurance, get in touch with your local DMV to get up-to-date license info.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Aug 5, 2021

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Can't-Miss Facts

  • It’s still possible to hold insurance with a suspended license
  • However, it’s likely that your rates will increase exponentially
  • There are steps you can take to lower your premiums over time

If you or someone you know has recently had their license suspended, you can recognize how stressful it can be. However, with the right coverage options, the potential policyholder can get cheap suspended license insurance rates and get you back on the road in no time.

A license can be suspended for a number of reasons, from unpaid speeding tickets to reckless driving and endangerment. Due to the seriousness of the punishment, it will take a bigger offense to get your license’s status revoked and you left without any transportation.

Enter your ZIP code into our free quote tool to find affordable suspended license insurance rates near you.

How to Get Lower Rates for Suspended License Insurance

Because your license has been suspended, you are now categorized as a high-risk driver. This means that the insurer will view you as much more likely to be involved in an accident that would cause them to have to pay out.

According to III, here are some things you can do to help get your rates back down to a manageable area.

  • Don’t cancel your current policy. Instead, shop around and see if you can find suspended license insurance quotes with lower rates
  • Taking a driver’s safety course is viewed positively by insurers and will provide a discount
  • Make sure there are no other violations on your record that will show up as a red flag to your car insurer

It’s far from impossible to get cheap suspended license insurance, but you will have to put in the work.

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Where can I get insurance without a license?

While it might be hard to believe, there are options for those who have recently received a suspended mark on their driver’s license.

Depending on your state’s laws, there may be ways to still ensure that you get to drive, but heavy restrictions will apply to the time and place. Some states may even require a breathalyzer be attached to the car so there is proof you are sober before the car starts.

Obtain a Restricted License

Some states allow drivers with suspended licenses to apply for a restricted license that limits the time they are legally able to be on the road. If it’s your first-time offense and no property or person was majorly harmed, you may be able to get a restricted drivers license.

Next, you’ll have to prove you meet the minimum required insurance coverage for your state. This will ensure that while you get to keep some form of your license, you’ll also be able to keep coverage to make your car legal.

SR-22 Insurance Form

To prove you have enough coverage in the event of an accident, you’ll have to request that an SR-22 insurance form be sent or filled out in your name. If you’re buying into a new policy, some insurers won’t provide enough coverage for an SR-22.

What happens to current insurance?

Whether buying into a new policy or staying on your current one, expect your premiums to increase when you receive a suspended status on your license.

When you do something to warrant losing driving privileges, insurers will view you as more risky to insure — if they even continue to do so.

Do you still need auto insurance with a suspended license?

If you want to drive, you will still need to keep at least the basic level of coverage required in your state. It’s illegal to drive without insurance in 48 states, and in the others, you’re still held financially responsible for any damages that happen as a result of negligence.

That being said, your rates are sure to go up, which can add an extra financial burden on top of any repairs or medical bills that may have been needed.

How to Check if Your License Is Suspended

There are a number of ways to verify your license’s status through your local department of motor vehicles.

  • Online – Most states have an online system through their DMV to check driving status
  • By Phone – Your state’s DMV information is just a search away, and they will be able to verify your license’s status if you give them the required information
  • In Person – While infamous for longer waits, the DMV’s staff might be best able to give you the most comprehensive information on your situation

While it can be a stressful period, there are a number of options for checking your license’s legality.

How to Reinstate Your License

The easiest way to get a lower suspended license insurance quote is to get your license reinstated. After you have served your suspended period without issue, then you can get in touch with your state’s DMV via the same methods above.

Once you pay all the associated fees and take care of any other outlying issues, you’ll be able to hit the road with cheaper rates once again.

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Cheap Car Insurance With a Suspended License: Bottom Line

There are a number of ways that you can get cheap insurance with a suspended license, it just takes a willingness to make up for the mistake that got the license suspended in the first place.

Check out our free quote tool by entering your ZIP code and find affordable suspended license insurance for you.

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