Alyssa Lane
It is possible to get car insurance with a suspended license, but it is not a straightforward process and it may be difficult. While your car insurance won't be automatically cancelled if your license is suspended, you won't be able to drive legally. If you don't tell your insurance company about your suspended license, your policy will be cancelled for misrepresentation.
If you are in the middle of your policy term and your policy does not contain an exclusionary clause for driver suspensions, you will likely remain covered until the end of your term. However, eventually, you will lose your auto insurance, or if other drivers are on the policy, you will need to be removed to keep the coverage.
If you are looking for insurance with a suspended license, there are options available as some carriers are willing to offer coverage while you work to get your license reinstated.
| Characteristics | Values |
|---|---|
| Difficulty of getting car insurance with a suspended license | It is possible to get car insurance with a suspended license, but it is not easy. |
| Reasons for license suspension | DUI, unpaid traffic tickets, accumulation of a high level of driver's license points, driving without insurance, lapse in auto insurance coverage, medical complications |
| Insurance companies' view of suspended license holders | Suspended license holders are viewed as high-risk drivers, which results in higher insurance premiums. |
| SR-22 requirement | Suspended license holders may need to file an SR-22, a certificate of financial responsibility, to meet state requirements. |
| FR-44 requirement | In some states, an FR-44 form is required instead of an SR-22, indicating higher liability insurance. |
| Insurance cancellation and non-renewal | Auto insurers may refuse to renew coverage after a suspension, but they typically cannot cancel mid-term unless there is fraud or non-payment of premiums. |
| Maintaining insurance during suspension | It is recommended to maintain insurance during a license suspension to avoid a lapse in coverage, which can lead to higher rates in the future. |
| Options for insurance during suspension | Seek non-standard providers, apply for a hardship or restricted license, compare quotes from multiple companies, purchase SR-22 or FR-44 insurance. |
What You'll Learn
Getting car insurance with a suspended license
It is possible to get car insurance with a suspended license, but it is not a straightforward process and your options may be limited. Your license may be suspended for a number of reasons, including driving without insurance, receiving a drug or alcohol-related impaired driving offense, or failing to pay child support.
Specialist insurers
If your license is suspended, you will likely be considered a high-risk driver by most insurance companies, and your current insurer may cancel your policy. You may need to seek out a non-standard or high-risk insurance company that caters to drivers in this situation. Some standard insurance companies do offer coverage to drivers with suspended licenses, so it is worth checking with them first.
Compare quotes
As with any insurance, it is a good idea to shop around and compare quotes from multiple companies. Each insurer weighs risk factors differently, so you may find a better deal with one company than another.
SR-22 or FR-44 form
You may be required to have your insurer file an SR-22 or FR-44 form, which is a certificate of financial responsibility. This proves that you are complying with your state's minimum auto liability insurance requirements. Not all insurance companies offer this, so you may need to switch to a carrier that provides this service.
Restricted or hardship license
You may be able to apply for a restricted or hardship license, which allows you to drive for specific reasons, such as commuting to work or school. This option is not available in all states and you will still need car insurance to drive.
Keep insurance active
Even if your license is suspended, it is generally recommended that you keep your car insurance active to avoid higher premiums in the future. Gaps in coverage are often associated with higher-risk drivers and can lead to increased rates.
Improve your record
You can also take steps to improve your driving record and qualify for better insurance rates in the future. This includes taking driving courses, avoiding new traffic violations, and improving your credit score.
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Reasons for a suspended license
There are several reasons why a person may have their driver's license suspended. The specific reasons can vary by state, but some of the most common include:
- Driving under the influence (DUI) or while intoxicated (DWI)
- Refusal to take a breathalyser test
- Failing to provide proof of motor vehicle insurance
- Failing to pay fines or court fees
- Failing to pay traffic tickets
- Reckless driving
- Driving without insurance
- Lapse in auto insurance coverage or driving without insurance
- Medical complications such as epilepsy, cognitive decline or consciousness disorders
- Not appearing in court for an outstanding ticket
- Not paying child support
- Accumulation of a high level of driver's license points
- Illegal use of a license
- Fleeing from a police officer
- Abandoning a vehicle on a public highway
In addition to these reasons, some states may also suspend a person's license for non-driving-related offences, such as vandalizing property or failing to pay student loans.
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Maintaining insurance with a suspended license
If your driver's license has been suspended, you may be concerned about the status of your car insurance. While it is possible to get car insurance with a suspended license, it is not easy, and you will likely face higher premiums. Here are some steps to help you maintain insurance coverage during this challenging period:
Understand the Impact of a Suspended License on Insurance
Recognize that a suspended license will likely result in higher insurance premiums due to insurers perceiving you as a higher risk. This increased risk assessment is based on factors such as your driving history, the reason for the suspension, and the presence of any risky behaviour or accidents on your record.
Explore Specialized Insurers
Not all insurance companies will be willing to insure someone with a suspended license. You may need to explore non-standard or high-risk insurance providers who cater to drivers in this situation. These insurers understand the complexities of insuring high-risk drivers and can provide tailored coverage options, although at higher rates.
Apply for a Hardship or Restricted License
Many insurance companies are more receptive to insuring individuals with a hardship or restricted license. A hardship or restricted license allows you to drive under specific circumstances, such as commuting to work or school. The eligibility requirements and application process for these licenses vary by state, so be sure to check with your state's department of motor vehicles.
Obtain an SR-22 or FR-44
Depending on the state you live in and the reason for your license suspension, you may be required to obtain an SR-22 or FR-44. These are forms that your insurance company files with the state to certify that you carry the mandatory minimum amount of liability coverage. An SR-22 is typically required for drivers with serious traffic offenses, while an FR-44, which indicates higher liability limits, may be mandated in certain states for alcohol or drug-related violations.
Shop Around for the Best Rates
Compare quotes from multiple insurance providers to find the most affordable option for your circumstances. Each insurer weighs risk factors differently, so you may find varying rates for the same coverage. Online tools and insurance brokers can assist in obtaining multiple quotes for comparison.
Maintain Continuous Coverage
Avoid letting your insurance lapse during your license suspension. Gaps in coverage are considered red flags by insurance companies and can lead to even higher rates when you reinstate your license and obtain new insurance. Continuous coverage demonstrates your commitment to maintaining insurance, even during challenging periods.
Improve Your Driving Record and Credit Score
Take proactive steps to improve your driving record and credit score. These factors can influence your insurance rates, with a better record and higher credit score potentially leading to lower premiums. Safe driving practices, such as obeying speed limits and avoiding distractions, can help keep your record clean. Similarly, paying bills on time and reducing debt can positively impact your credit score.
Consider Non-Owner Car Insurance
If you don't own a car but need insurance to reinstate your license, consider non-owner car insurance. This type of insurance provides liability coverage when driving a car you don't own, offering an alternative option for maintaining coverage.
Look for Discounts and Bundling Opportunities
Inquire about potential discounts and explore the possibility of bundling your insurance policies. Taking a driver safety course, maintaining good grades, or being a member of certain organizations may qualify you for discounts. Additionally, bundling your auto insurance with other policies, such as homeowners or renters insurance, can often result in cost savings.
Adjust Your Coverage Selections
If you are struggling to afford car insurance with a suspended license, consider adjusting your coverage selections. Reducing your coverage types and limits will likely lead to a lower premium. However, ensure that you maintain at least the minimum level of coverage required by your state to avoid legal consequences.
Increase Your Deductibles
Another way to lower your insurance premium is to increase your deductibles. By agreeing to pay a higher amount out of pocket in the event of a claim, your insurance company may offer a reduced rate. Just be sure that the deductibles remain affordable for you in case you need to file a claim.
Be Transparent with Your Insurance Company
Finally, maintain open and honest communication with your insurance company. Failing to disclose your license suspension can result in policy cancellation or non-renewal. Work with your insurer to find solutions that meet your needs while complying with state requirements.
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Finding affordable insurance with a suspended license
If your driver's license has been suspended, you may still be able to obtain car insurance, but it will be challenging. You will likely be classified as a high-risk driver, resulting in higher insurance premiums. Here are some steps you can take to find affordable insurance with a suspended license:
Explore specialized insurers
Not all insurance companies will insure someone with a suspended license. You may need to turn to non-standard auto insurance carriers that specialize in high-risk drivers. These companies understand the complexities of insuring drivers with suspended licenses and can provide tailored coverage options. Some examples include The General, GEICO, and Bristol West.
Compare quotes
It's important to shop around and compare quotes from multiple insurers. Each company assesses driver risk differently, so you may find more affordable rates by getting quotes from several providers.
Apply for a restricted or hardship license
In some cases, you may be able to apply for a restricted or hardship license, which allows you to drive under specific circumstances, such as commuting to work or school. The requirements for obtaining these licenses vary by state, so check with your state's department of motor vehicles to see if you are eligible. Having a restricted license may make it easier to obtain car insurance.
Obtain an SR-22 or FR-44
Depending on the state you live in and the reason for your license suspension, you may be required to obtain an SR-22 or FR-44 certificate. These are forms filed by your insurance company with the state to certify that you carry the mandatory minimum amount of liability coverage. Not all insurance companies offer this service, so you may need to switch to a carrier that provides it.
Maintain continuous coverage
Even if your license is suspended, try to avoid letting your insurance lapse. Gaps in coverage can lead to higher rates when you get your license reinstated. Maintaining continuous coverage can help prevent this increase in premiums.
Select a higher deductible
Choosing a higher deductible can lower your overall insurance costs. Just make sure that you can afford the deductible in case you need to file a claim.
Look for discounts
There are often discounts available based on factors such as bundled insurance, good grades, or membership in certain organizations. Taking a driver safety course can also help lower your premiums.
Improve your credit score and driving record
Most states allow insurance companies to consider your credit history when determining rates. Improving your credit score and maintaining a clean driving record can help you obtain lower insurance rates.
Other considerations
Keep in mind that the requirements for license reinstatement and the cost of insurance after a suspension may vary depending on the state you live in and the reason for the suspension. It's always best to consult with your state's Department of Motor Vehicles and your insurance carrier to understand the specific requirements and options available to you.
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Reinstating your license after suspension
Understanding the Suspension
Firstly, it is essential to understand why your license was suspended. Common reasons for license suspension include:
- Driving under the influence (DUI) of alcohol or drugs
- Unpaid traffic tickets
- Accumulation of too many driving record points
- Driving without valid insurance
- Medical conditions that affect driving ability
- Failure to pay child support
- Refusal to provide a breath sample when requested by the police
- Breaking rules for new ("novice") drivers
- Accumulation of demerit points on your driving record
- Failure to attend court-ordered programs or pay fines
- Certain driving-related offences, such as careless driving or excessive speeding
Fulfilling Requirements
Once you understand the reason for the suspension, you can work towards fulfilling the requirements to reinstate your license. These requirements may include:
- Paying any outstanding fines or fees associated with the suspension
- Completing court-ordered programs or processes to clear the suspension
- Gathering documents that confirm the suspension has been lifted, such as medical clearance letters or notices from the relevant authorities
- Completing a drug or alcohol education course, or seeking treatment for substance abuse issues
- Taking a defensive driving course or driver's education course
- Installing an ignition interlock device in your vehicle
- Performing community service or serving any required jail time
- Proving financial responsibility by obtaining SR-22 or FR-44 insurance, which certifies that you carry the mandatory minimum amount of liability coverage
- Passing written and road driving tests to demonstrate your driving skills and knowledge
Applying for Reinstatement
After fulfilling the necessary requirements, you can initiate the reinstatement process by applying to the relevant authorities, such as the Department of Motor Vehicles (DMV) or the Ministry of Transportation. This typically involves submitting the required documentation, paying any applicable fees, and providing proof of insurance and financial responsibility. The time it takes to reinstate a license can vary, but it should be relatively quick once all conditions are met.
Location-Specific Information
It is important to note that the process of reinstating a suspended license can vary depending on your location. For example, in California, you must wait for the suspension duration to end before applying for reinstatement, whereas in Ontario, you may need to surrender your license and complete specific tests, such as eye exams and road tests, depending on how long your license was suspended.
Maintaining Insurance
While your license is suspended, it is a good idea to maintain car insurance to avoid a lapse in coverage, which can lead to higher rates when you reinstate your license. You may need to explore specialized insurers and compare quotes to find affordable coverage during this period.
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Frequently asked questions
Yes, it is possible to get car insurance with a suspended license, but it may be difficult and expensive. You will likely be classified as a high-risk driver and pay higher premiums.
Many insurance companies will not insure someone with a suspended license as they are seen as high-risk. You may need to find a non-standard insurer.
Yes, your insurance rate will likely increase with a suspended license. This is because insurers view drivers with suspended licenses as more likely to file claims in the future.
Yes, you can get car insurance with a revoked license. However, you will likely only be able to purchase high-risk insurance, which is more expensive.
An SR-22 is a certificate of financial responsibility that your insurance company files with the state to prove that you have the required minimum amount of liability insurance. An SR-22 is often required for drivers with suspended licenses.
