Orlando Harmon
Getting auto insurance with a suspended license can be challenging, but it is not impossible. While some insurance companies will not offer coverage to drivers with a suspended license, there are options available. Here are some steps to help you get auto insurance with a suspended license:
- Explore specialized insurers: Not all insurance companies will insure someone with a suspended license. You may need to look for non-standard insurance providers that cater to high-risk drivers. These companies often have more flexible requirements and may be more likely to offer you coverage.
- Compare quotes: Shop around and compare quotes from multiple insurers to find the best rates. Different companies weigh traffic violations differently when setting premiums, so it's essential to get quotes from several providers.
- Consider a restricted or conditional license: Apply for a restricted or conditional license, also known as a hardship license, from your state's department of motor vehicles. This will conditionally reinstate your driving privileges and may make it easier to obtain insurance.
- Obtain an SR-22 or FR-44: Depending on your state and the reason for your suspension, you may need to obtain an SR-22 or FR-44 form. These are certificates of financial responsibility that your insurance company files with the state to prove you have the required minimum amount of liability insurance.
- Maintain continuous coverage: Even if you're not driving, consider maintaining your insurance coverage to avoid a lapse, which can lead to higher rates in the future.
| Characteristics | Values |
|---|---|
| Difficulty of obtaining auto insurance with a suspended license | Varies depending on the reason for suspension and the insurance company. Generally, it is possible but difficult and expensive. |
| SR-22 requirement | A form that serves as proof of insurance and is required by some states. May need to be submitted by the insurance company. |
| FR-44 requirement | Similar to SR-22 but with stricter insurance requirements. Required in some states, including Florida and Virginia. |
| High-risk driver classification | Drivers with suspended licenses are often classified as high-risk, resulting in higher insurance premiums. |
| Non-standard insurance | High-risk drivers may need to seek coverage from non-standard insurance companies specializing in such cases. |
| Restricted or hardship license | Obtaining a restricted or hardship license, which reinstates driving privileges for specific purposes, may be necessary to get auto insurance. |
What You'll Learn
Explore specialised insurers
While it is challenging to get car insurance with a suspended license, it is not impossible. You will need to explore specialised insurers, as not all insurance companies will insure someone with a suspended license. Those that do will likely classify you as a high-risk driver, resulting in very high premiums. Here are some options for exploring specialised insurers:
- Apply for a hardship or restricted license: Many insurance companies will not insure someone with a suspended license, but they may be willing to provide coverage if you have a hardship or restricted license. The laws regarding this vary by state, so be sure to check with your state's department of motor vehicles to determine your eligibility. With a restricted license, you may only be permitted to drive during specific times or for specific purposes, such as commuting to work or school.
- Explore non-standard insurance companies: Non-standard insurance companies often work with high-risk drivers to get them insured. These smaller companies may be more likely to offer coverage to those with a suspended license. Examples of non-standard insurance companies include The General, Acceptance, and Titan.
- Contact a subsidiary of a major insurance company: If a major insurance company deems you too high-risk for coverage, one of its subsidiaries might approve your application. Speak to an insurance agent directly to explore this option.
- Consider state-funded insurance groups: If both standard and non-standard insurance companies deny you coverage, you may be able to obtain a car insurance quote through state-funded plans designed for high-risk drivers who cannot secure coverage elsewhere.
- Involve a household member: If a household member with a clean driving record is the primary driver on your policy, you may be able to obtain insurance. However, this option may not be available with all insurance companies.
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Compare quotes
Comparing quotes from different insurance companies is a good way to find the best deal for your auto insurance. Your driving record, annual mileage, and state's minimum coverage requirements will influence the quotes you receive. Here are some steps to help you compare quotes and find the right policy for you:
- Decide on the coverage you need: Most states require drivers to carry a minimum amount of liability coverage. However, if your vehicle is newer or leased, you may need additional coverage such as comprehensive and collision coverage. Consider your state's requirements and your specific needs when deciding on the level of coverage.
- View rate comparisons: Compare rates from different insurance companies to find the most affordable option. USAA has been found to have the cheapest rates in many categories, but their policies are only available to current and former military members and their families. Other companies like Erie, Auto-Owners, and Nationwide also offer rates below the national average.
- Research individual insurers: Look into the reputation and customer reviews of individual insurance companies. Consider their customer service, claims handling, and overall reputation. Also, check if they offer any discounts that you may be eligible for.
- Get quotes: Once you've researched different insurers, obtain quotes from multiple companies to compare. Most insurers offer free quotes on their websites, or you can use comparison sites to get and compare quotes from multiple insurers at once. Provide basic information such as your age, gender, marital status, vehicle information, and driving history to get personalized quotes.
- Compare and choose: Compare the quotes you receive based on price, coverage, and the reputation of the insurer. Choose the policy that best meets your needs and budget. Remember to compare quotes for the same types and levels of coverage to ensure an accurate comparison.
Keep in mind that if you have a suspended license, you may be classified as a high-risk driver and face higher premiums. Not all insurance companies will insure someone with a suspended license, so you may need to explore specialized insurers and consider non-owner or high-deductible policies. Maintaining continuous coverage, selecting a higher deductible, and looking for discounts can help you get cheaper insurance with a suspended license.
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Consider non-owner or high-deductible policies
If you have a suspended license, you may want to consider a non-owner or high-deductible insurance policy. Non-owner car insurance is a type of insurance that provides liability coverage for bodily injury and property damage if you are liable for damages or injuries in an accident. This type of insurance is suitable for those who drive regularly but do not own a car. It is also useful if you borrow cars often, use car-sharing services, or rent cars frequently. Non-owner insurance is usually cheaper than standard car insurance and can provide additional coverage, such as medical payments and uninsured motorist protection.
On the other hand, a high-deductible insurance policy can also be an option. A high deductible means you pay more out-of-pocket expenses, but your insurance rate will be lower. This can be beneficial if you are confident in your driving abilities and don't anticipate filing many claims. However, it's important to choose a deductible amount that you are comfortable with and can afford in the event of a claim.
When exploring these options, be sure to compare quotes from different insurers, as rates and coverage options may vary. Additionally, consider the specific requirements and restrictions of non-owner and high-deductible policies to ensure they align with your needs and situation.
By considering non-owner or high-deductible policies, you can obtain car insurance with a suspended license, allowing you to maintain coverage and comply with state requirements. These options provide flexibility and cost-effectiveness, especially if you don't own a car or need additional protection when driving borrowed or rented vehicles.
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Apply for a hardship or restricted license
A hardship or restricted license allows a person with a suspended license to drive to and from specific places, such as work or school. The purpose of a hardship license is to allow people to avoid losing their jobs and to meet other important obligations that require driving.
Each state has different requirements for obtaining a hardship license. Generally, a driver's eligibility depends on the reason for the suspension, the motorist's driving record, and the type of license the driver had prior to the suspension. Commercial drivers are typically not eligible for hardship licenses.
To obtain a hardship license, you will need to submit an application through the DMV. The driver might also need to attend a hearing where a judge or DMV official determines whether to issue a hardship license. At the hearing, motorists often have to prove that they need to drive for specific reasons, such as getting their children to school or attending medical appointments. The judge or DMV official will consider the motorist's arguments and evidence and will approve or deny the application. The court or DMV will also determine what restrictions the hardship license will contain.
In some states, violating the terms of a hardship license is a crime. For example, in Virginia, a restricted license violation is a class one misdemeanour, punishable by up to one year in jail and a fine of up to $2,500. Therefore, it is important to carefully follow the conditions of your hardship license to avoid legal consequences.
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Obtain an SR-22 or FR-44 form
An SR-22 form, also known as a Certificate of Financial Responsibility, is a document that your insurance company can provide to your state's Department of Motor Vehicles (DMV). It proves that you have vehicle insurance that meets the coverage required by the state for reinstatement of driving privileges. It is not a type of auto insurance but a type of proof of insurance. The SR-22 form is typically required if you have been caught driving without insurance or a valid license. Other reasons for needing to file an SR-22 form include:
- DUI or DWI conviction
- Driving without enough insurance
- Too many at-fault accidents or violations
- Repeat offences in a short timeframe (e.g. three or more speeding tickets within six months)
- Not paying court-ordered child support
- Hardship license (issued for temporary driving needs, usually to and from work, because your license has been suspended or revoked)
The FR-44 form is similar to an SR-22 but is only used in Florida and Virginia. The FR-44 document is used for more serious offences, such as DUIs with higher blood alcohol concentrations or repeat offences, and requires double the state's minimum liability coverage.
To obtain an SR-22 or FR-44 form, you must first check if your insurance company offers SR-22 or FR-44 form filings. If they do, you can call them and they will add the endorsement to your existing policy and then file the document with the state that requires it. If your current insurer does not offer SR-22s or FR-44s, then you will need to buy a new policy from an insurer that does. It is a good idea to let potential insurers know upfront that you require an SR-22 or FR-44 to save time. Your insurance company will charge a fee for providing the certificate on your behalf, and this amount may differ by state.
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Frequently asked questions
Yes, it is possible to get car insurance with a suspended license, but it can be difficult and expensive.
It depends on the reason for your suspension. If your driving history indicates that you're prone to risky behaviour or accidents, some insurers may not offer you coverage.
A restricted or hardship license conditionally reinstates your driving privileges if your license was previously suspended for a traffic violation. Your eligibility and the specific terms vary by state.
An SR-22 or FR-44 is a form that your insurance company must submit to confirm that you're carrying the required amount of insurance to drive legally. An FR-44 is required for severe driving offenses and has stricter insurance requirements.
It's a good idea to keep your car insurance when your license is suspended to avoid a lapse in coverage, which can lead to higher rates when you get insurance again.
