Suspended License Insurance Coverage
Suspended license insurance coverage may be challenging to find, but we recommend trying. If you already have car insurance when your license is suspended, you may want to keep it, so you don't have any gaps in coverage. If you are looking for car insurance, you may want to try applying for a restricted license.
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UPDATED: Mar 3, 2021
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- While it may be tempting to cancel your coverage while your license is suspended, it may be better to keep it, so you don’t have gaps in your coverage
- Many insurance companies won’t give coverage to someone with a suspended license, but you may be able to apply for a restricted license
- Your rates could increase anywhere from 30 to 125 percent after a license suspension
Your driving record is one of the primary factors that affect the price of car insurance. If you have a suspended license, you may be wondering about suspended license insurance.
Below, we’ll discuss whether you should keep your car insurance while your license is suspended, how to find car insurance while your license is suspended, and what kind of rate increases you could see after your suspension.
Before you begin reading about suspended license insurance coverage enter your ZIP code into our free quote comparison tool above to compare car insurance quotes from companies in your area.
Do I need car insurance if my license is suspended?
If your license is suspended in the middle of your car insurance policy, you may consider canceling the policy to save money on your premiums. However, this may not be the best option.
If you cancel your policy while your license is suspended, you will have a gap in your insurance that future car insurance companies will see when they check your coverage history.
Unfortunately, a lapse in coverage can cause insurance companies to increase the rates of your premium. Therefore, the money you may save in the short-term may turn into more significant long-term expenses, so you should never allow your car insurance coverage to lapse.
Is my license suspended? If you’re wondering how to check if your license is suspended, it is relatively easy. You may be sent a notice by mail, but you can also call or visit your DMV to get a copy of your driving record or contact your car insurance company.
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How can I find suspended license insurance coverage?
If you start looking for a new car insurance policy while your license is suspended, you may find it a difficult task. Most car insurance companies won’t approve you for coverage (and, if they do, your suspended license car insurance rates are likely high) since a suspended license means you may be a risky driver.
Depending on which state you live in, you may be able to apply for a restricted license. Restricted licenses will allow you limited driving privileges, such as driving to work, doctors’ appointments, court, or transport dependents.
Whether you’re approved for a restricted license will depend on multiple factors, including why your license was suspended, why you’re applying for the restricted license, and your overall driving history.
However, even with a restricted license, you may still have a hard time finding coverage. You may be limited to non-standard insurers, such as Acceptance, The General, or Titan Insurance. A restricted license may also be known as a hardship license.
How much does suspended license insurance cost?
Your driving record is one of the main determinants of your car insurance rates. Let’s look at how some traffic violations can affect your car insurance premiums:
|Driving Record Infraction||Average Annual Car Insurance Rates|
|One Speeding Violation||$3,641.34|
How much your rates increase will depend heavily on the insurance company. If your driving record is clean before your license suspension, you could see increases after your license suspension ranging between 30 and 125 percent.
For example, if your annual premium before your license suspension is $637, you may see this go all the way up to $1,517. However, driving without meeting your state’s insurance requirements or having gaps in coverage may be just as expensive, so make sure you’re covered.
If you need help finding affordable suspended license insurance coverage, enter your ZIP code into our free quote comparison tool below.