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How to Get Car Insurance With a Suspended License


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Updated: Nov 1, 2023
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There are many reasons why you may have your license suspended or revoked, including driving without insurance, receiving a drug or alcohol-related driving offense, incurring repeat traffic offenses or failing to pay child support.

Though you can’t drive legally without a valid driver’s license, you’ll still need car insurance in many cases, even if your license is suspended or revoked. However, finding insurance in these situations tends to be more difficult. Your options may be limited, and you may not get cheap car insurance rates with a suspended license.

If your issue isn't a suspension of your license but rather the fact that you don't have a license, MoneyGeek also has recommendations for where to get car insurance without a license.

Key Takeaways

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Even if your license is suspended or revoked, you must carry state minimum liability coverage on a tagged car in your name or risk fines and a longer suspension period.

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A lapse in car insurance can increase the amount you pay by $ after a brief lapse and $ after a lapse longer than 31 days.

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Applying discounts, reducing coverages, insuring a driver with a clean driving record and shopping for insurance quotes could help you get cheaper car insurance rates with a suspended license.

Getting Car Insurance With a Suspended License

You can get car insurance with a suspended license. If you own a car, most states require it to be tagged and insured, even if your license is suspended or revoked. Having a suspended license makes getting insured challenging because you cannot be rated as a driver on your policy if you can’t legally drive. You may be excluded as a driver until your license is reinstated or a restriction is authorized.

In this case, there are a few ways you can get car insurance with a suspended or revoked license:

  • carInsurance icon

    Rate a household member with a clean driving record as the driver on your policy, though this may not be an option with all insurance companies.

  • driverLicense icon

    Get approved for a hardship or restricted driver’s license, which allows you to drive for special circumstances, like driving to work or school.

  • financialPlanning icon

    Purchase SR-22 insurance.

  • car icon

    If someone else is on the title of the car, insure it under their name.

Can You Get Car Insurance With a Revoked License?

Yes, you can. Even if your license is revoked, you have to meet your state’s minimum insurance requirements if your car is tagged. If you don’t, you could face fines, penalties, jail time and higher costs for car insurance in the future.

You’ll need to list a rated driver with a valid license on your policy, with an exclusion for the revoked licensed driver. Depending on your state, you may only have the option to purchase high-risk insurance or SR-22 insurance, which is more expensive.

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WHAT IS SR-22 INSURANCE?

An SR-22 is a certificate proving that you have state-required auto insurance coverage. It's not insurance itself, but rather it serves as validation for high-risk drivers demonstrating they meet minimum insurance obligations.

How to Get SR-22 Insurance

Securing SR-22 insurance, which is needed after serious traffic violations, verifies you meet state-mandated liability coverage. Steps include:

1

Contact Your Current Insurer

Not all companies offer SR-22 insurance. If yours doesn't, switch providers.

2

Get a Quote

SR-22 often leads to higher premiums due to the increased risk perceived by insurers.

3

Purchase and File

Buy the policy and let the insurer handle the SR-22 filing, usually for a fee.

4

Maintain Coverage

Avoid lapses; they can reset SR-22 time requirements.

5

Verify With DMV

Ensure the SR-22 is processed.

6

Fulfill Duration and Seek Removal

You typically need to maintain an SR-22 on file for three years, but this varies by state. Once you've fulfilled the requirement, ask for removal to potentially reduce premiums.

Remember, specifics can differ by state and violation. Always consult local rules and insurers.

Cheapest SR-22 Insurance by State

SR-22 insurance rates are influenced by a range of factors, with one of the most significant being the state in which you reside. Each state has its own regulations, minimum coverage requirements and market dynamics, leading to varying premium costs. To secure the most cost-effective SR-22 insurance, it's key to thoroughly research and compare quotes within your specific state.

Below is a list of the cheapest SR-22 premiums by state. Navigate the table by age and coverage type for details.

State
Company
Annual Premium
Monthly Premium

Alabama

Allstate

$1,131

$94

Alabama

State Farm

$500

$42

Alabama

State Farm

$953

$79

Alabama

State Farm

$410

$34

Alabama

State Farm

$872

$73

Alabama

State Farm

$386

$32

Alaska

State Farm

$936

$78

Alaska

State Farm

$403

$34

Alaska

State Farm

$789

$66

Alaska

State Farm

$368

$31

Alaska

State Farm

$727

$61

Alaska

State Farm

$343

$29

Arizona

Root Insurance Company

$756

$63

Arizona

Travelers

$455

$38

Arizona

Root Insurance Company

$754

$63

Arizona

Travelers

$430

$36

Arizona

Root Insurance Company

$806

$67

Arizona

State Farm

$456

$38

Arkansas

State Farm

$894

$74

Arkansas

State Farm

$324

$27

Arkansas

State Farm

$699

$58

Arkansas

State Farm

$266

$22

Arkansas

State Farm

$633

$53

Arkansas

State Farm

$251

$21

California

National General

$1,559

$130

California

National General

$998

$83

California

National General

$1,280

$107

California

Mercury

$796

$66

California

National General

$1,301

$108

California

Mercury

$818

$68

Colorado

American National P&C

$1,011

$84

Colorado

American National P&C

$423

$35

Colorado

American National P&C

$806

$67

Colorado

American National P&C

$353

$29

Colorado

American National P&C

$821

$68

Colorado

American National P&C

$405

$34

Connecticut

State Farm

$1,272

$106

Connecticut

State Farm

$624

$52

Connecticut

State Farm

$1,031

$86

Connecticut

State Farm

$525

$44

Connecticut

State Farm

$968

$81

Connecticut

State Farm

$499

$42

District of Columbia

Progressive

$1,422

$119

District of Columbia

State Farm

$713

$59

District of Columbia

Progressive

$1,206

$101

District of Columbia

State Farm

$600

$50

District of Columbia

State Farm

$1,150

$96

District of Columbia

State Farm

$569

$47

Florida

State Farm

$1,420

$118

Florida

State Farm

$660

$55

Florida

State Farm

$1,190

$99

Florida

State Farm

$576

$48

Florida

State Farm

$1,092

$91

Florida

State Farm

$536

$45

Georgia

Allstate

$1,260

$105

Georgia

Allstate

$752

$63

Georgia

Country Financial

$1,094

$91

Georgia

Country Financial

$551

$46

Georgia

Country Financial

$959

$80

Georgia

Country Financial

$490

$41

Hawaii

State Farm

$690

$57

Hawaii

State Farm

$297

$25

Hawaii

State Farm

$690

$57

Hawaii

State Farm

$297

$25

Hawaii

State Farm

$690

$57

Hawaii

State Farm

$297

$25

Idaho

State Farm

$528

$44

Idaho

State Farm

$209

$17

Idaho

State Farm

$412

$34

Idaho

State Farm

$171

$14

Idaho

State Farm

$381

$32

Idaho

State Farm

$163

$14

Illinois

American Family

$903

$75

Illinois

State Farm

$424

$35

Illinois

American Family

$844

$70

Illinois

Mercury

$338

$28

Illinois

State Farm

$815

$68

Illinois

State Farm

$333

$28

Indiana

American Family

$756

$63

Indiana

State Farm

$373

$31

Indiana

American Family

$706

$59

Indiana

State Farm

$306

$26

Indiana

State Farm

$667

$56

Indiana

State Farm

$288

$24

Iowa

State Farm

$688

$57

Iowa

State Farm

$195

$16

Iowa

State Farm

$547

$46

Iowa

State Farm

$160

$13

Iowa

State Farm

$482

$40

Iowa

State Farm

$151

$13

Kansas

State Farm

$1,139

$95

Kansas

State Farm

$373

$31

Kansas

State Farm

$922

$77

Kansas

State Farm

$308

$26

Kansas

State Farm

$817

$68

Kansas

State Farm

$291

$24

Louisiana

State Farm

$1,745

$145

Louisiana

State Farm

$706

$59

Louisiana

State Farm

$1,391

$116

Louisiana

State Farm

$580

$48

Louisiana

State Farm

$1,434

$120

Louisiana

State Farm

$628

$52

Maine

State Farm

$797

$66

Maine

Countryway Insurance

$319

$27

Maine

State Farm

$627

$52

Maine

Countryway Insurance

$264

$22

Maine

State Farm

$609

$51

Maine

Countryway Insurance

$262

$22

Michigan

Chubb

$1,066

$89

Michigan

Chubb

$413

$34

Michigan

Chubb

$961

$80

Michigan

Chubb

$375

$31

Michigan

Chubb

$798

$67

Michigan

Chubb

$311

$26

Minnesota

American Family

$998

$83

Minnesota

State Farm

$459

$38

Minnesota

State Farm

$862

$72

Minnesota

State Farm

$388

$32

Minnesota

State Farm

$752

$63

Minnesota

State Farm

$337

$28

Mississippi

State Farm

$1,134

$94

Mississippi

State Farm

$403

$34

Mississippi

State Farm

$898

$75

Mississippi

State Farm

$330

$28

Mississippi

State Farm

$808

$67

Mississippi

State Farm

$311

$26

Missouri

American Family

$1,252

$104

Missouri

State Farm

$526

$44

Missouri

State Farm

$1,034

$86

Missouri

State Farm

$441

$37

Missouri

State Farm

$941

$78

Missouri

State Farm

$419

$35

Montana

Progressive

$610

$51

Montana

State Farm

$209

$17

Montana

Progressive

$520

$43

Montana

State Farm

$188

$16

Montana

Progressive

$508

$42

Montana

State Farm

$174

$14

Nebraska

American National P&C

$713

$59

Nebraska

American National P&C

$257

$21

Nebraska

American National P&C

$571

$48

Nebraska

American National P&C

$217

$18

Nebraska

American National P&C

$559

$47

Nebraska

American National P&C

$246

$21

Nevada

State Farm

$1,328

$111

Nevada

State Farm

$685

$57

Nevada

State Farm

$1,050

$87

Nevada

State Farm

$562

$47

Nevada

State Farm

$978

$82

Nevada

State Farm

$529

$44

New Hampshire

State Farm

$1,262

$105

New Hampshire

Concord Group

$695

$58

New Hampshire

Concord Group

$949

$79

New Hampshire

Concord Group

$470

$39

New Hampshire

Concord Group

$933

$78

New Hampshire

Concord Group

$465

$39

North Dakota

American Family

$837

$70

North Dakota

State Farm

$299

$25

North Dakota

State Farm

$680

$57

North Dakota

State Farm

$246

$21

North Dakota

State Farm

$606

$51

North Dakota

State Farm

$232

$19

Ohio

American Family

$639

$53

Ohio

American Family

$328

$27

Ohio

American Family

$619

$52

Ohio

Progressive

$292

$24

Ohio

American Family

$581

$48

Ohio

Progressive

$307

$26

Oregon

State Farm

$914

$76

Oregon

State Farm

$468

$39

Oregon

State Farm

$791

$66

Oregon

State Farm

$433

$36

Oregon

State Farm

$736

$61

Oregon

State Farm

$408

$34

South Carolina

American National P&C

$788

$66

South Carolina

American National P&C

$417

$35

South Carolina

American National P&C

$649

$54

South Carolina

American National P&C

$361

$30

South Carolina

American National P&C

$689

$57

South Carolina

American National P&C

$412

$34

South Dakota

State Farm

$1,065

$89

South Dakota

State Farm

$292

$24

South Dakota

State Farm

$868

$72

South Dakota

State Farm

$242

$20

South Dakota

State Farm

$759

$63

South Dakota

State Farm

$229

$19

Tennessee

State Farm

$796

$66

Tennessee

State Farm

$284

$24

Tennessee

State Farm

$622

$52

Tennessee

State Farm

$233

$19

Tennessee

State Farm

$564

$47

Tennessee

State Farm

$220

$18

Texas

State Farm

$1,476

$123

Texas

Mercury

$664

$55

Texas

Mercury

$1,218

$101

Texas

Mercury

$543

$45

Texas

State Farm

$1,183

$99

Texas

State Farm

$596

$50

Utah

State Farm

$1,274

$106

Utah

Progressive

$598

$50

Utah

State Farm

$1,004

$84

Utah

Progressive

$531

$44

Utah

State Farm

$929

$77

Utah

State Farm

$521

$43

Vermont

State Farm

$666

$56

Vermont

State Farm

$255

$21

Vermont

State Farm

$527

$44

Vermont

State Farm

$214

$18

Vermont

State Farm

$489

$41

Vermont

State Farm

$204

$17

Virginia

Virginia Farm Bureau

$967

$81

Virginia

Virginia Farm Bureau

$376

$31

Virginia

State Farm

$812

$68

Virginia

State Farm

$331

$28

Virginia

State Farm

$748

$62

Virginia

State Farm

$313

$26

Washington

PEMCO

$991

$83

Washington

PEMCO

$515

$43

Washington

PEMCO

$881

$73

Washington

PEMCO

$461

$38

Washington

State Farm

$874

$73

Washington

State Farm

$422

$35

Wisconsin

State Farm

$847

$71

Wisconsin

State Farm

$323

$27

Wisconsin

State Farm

$677

$56

Wisconsin

State Farm

$269

$22

Wisconsin

State Farm

$616

$51

Wisconsin

State Farm

$254

$21

Wyoming

State Farm

$1,010

$84

Wyoming

State Farm

$292

$24

Wyoming

State Farm

$808

$67

Wyoming

State Farm

$233

$19

Wyoming

State Farm

$700

$58

Wyoming

State Farm

$201

$17

Can Car Insurance Companies See If Your License Is Suspended?

Yes, car insurance companies can see if your license is suspended or revoked. The motor vehicles division in your state will notify your insurance company electronically, in the same way they would if you were convicted of a ticket or moving violation.

If your insurance company is notified of a suspended license, the company may issue a cancellation notice or nonrenewal of the insurance policy, even if you are not close to the renewal period. The insurance company may also provide an offer of exclusion, which will allow the insurance policy to stay active but require the policyholder to sign a form excluding you from coverage. In this case, you won’t be covered if you get into an accident, even if you own the vehicle.

Carrying Car Insurance If Your License Is Suspended

If the tags on your car aren’t expired, you’re legally required to insure it, even if your license is suspended or revoked. If you don’t maintain car insurance coverage on your tagged vehicle, you could face:

  • Fines, including impound fees if the car is towed
  • A longer suspension of your driver’s license
  • A vehicle registration suspension
  • No coverage if you get into a car accident
  • Higher insurance rates when you get a new car insurance quote

If your coverage lapses, insurance companies may consider you high-risk when you shop for cheap car insurance quotes, which can affect your rates. For instance, the cost for Travelers insurance without suspension and no lapse in coverage is $1,356 per year, but to reinstate it with a lapse of less than 30 days costs $1,527. If the lapse is greater than 31 days, the insurance cost is even higher at $2,065. Use the table below to find the cheapest provider and average rate for you. Select your driving record for a more accurate estimate.

Average Cost of Car Insurance if You Have a Lapse in Coverage by State

The cost of car insurance after a lapse in coverage can vary significantly depending on the state due to several factors:

  • State Insurance Regulations: Every state has its own set of regulations pertaining to car insurance. Some states may have stricter penalties for lapses, which can directly influence the insurance rates after a lapse.

  • Minimum Liability Requirements: Each state sets its own minimum liability coverage amounts. States with higher minimums might have higher rates, especially after a lapse.

  • Frequency of Claims in the State: Areas with higher claims rates (due to weather, theft, etc.) might have higher insurance premiums after a lapse.

  • State's SR-22 Requirements: If your lapse is due to a major violation like a DUI, states have different SR-22 insurance requirements, which generally lead to higher rates.

  • Uninsured Motorists Rates: In states where there's a higher percentage of uninsured drivers, insurance costs can be higher for everyone, including those with a lapse.

  • Competition Among Insurers: More competition in a state can lead to more competitive rates, which might reduce the impact of a lapse.

  • State Economic Factors: Regional economic conditions can influence insurance rates. If repair costs, medical costs or legal fees are high in a state, it might result in higher insurance rates after a lapse.

  • Duration of the Lapse: While this isn't state-specific, the length of your lapse might affect your rate differently depending on state regulations and insurer practices.

Be aware of your state's specific regulations and factors influencing insurance rates, and always strive to avoid lapses in coverage to prevent potential rate hikes.

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Lowering Your Car Insurance Coverage if Your License Is Suspended

If your car is financed or leased, you may have to carry full coverage insurance to meet lender requirements while your license is suspended. If you own your vehicle outright, you might be able to purchase less coverage to reduce your car insurance costs. Consider the risk if your car will be driven and whether removing comprehensive and collision is the right choice.

If you plan to store your car untagged, we recommend purchasing comprehensive-only coverage. However, if your vehicle is tagged, you’re required to meet your state’s minimum liability insurance requirements to avoid fines and penalties, regardless of your driver’s license status.

It's worth noting that insurance premiums can vary significantly based on state-specific regulations, risk assessment and coverage mandates, so your location can directly impact the rate of your premium. Use the table below to find the cheapest provider and average rate for you.

State
Company
Annual Premium

Alabama

State Farm

$1,590

Alabama

Allstate

$1,237

Alaska

State Farm

$1,088

Alaska

State Farm

$1,006

Arizona

State Farm

$1,366

Arizona

State Farm

$1,264

Arkansas

State Farm

$936

Arkansas

State Farm

$867

California

Auto-Owners Insurance Co

$3,001

California

Kemper

$1,676

Colorado

State Farm

$1,328

Colorado

State Farm

$1,244

Connecticut

GEICO

$1,235

Connecticut

GEICO

$856

Delaware

State Farm

$1,407

Delaware

State Farm

$1,295

District of Columbia

State Farm

$1,336

District of Columbia

State Farm

$1,233

Florida

State Farm

$2,309

Florida

GEICO

$1,984

Georgia

State Farm

$1,817

Georgia

Allstate

$1,455

Hawaii

State Farm

$911

Hawaii

State Farm

$840

Idaho

State Farm

$550

Idaho

State Farm

$507

Illinois

State Farm

$1,125

Illinois

State Farm

$1,038

Iowa

State Farm

$702

Iowa

State Farm

$650

Kansas

State Farm

$1,018

Kansas

State Farm

$950

Kentucky

State Farm

$1,072

Kentucky

State Farm

$1,006

Louisiana

State Farm

$3,000

Maine

State Farm

$711

Maine

State Farm

$652

Maryland

Progressive

$1,763

Maryland

Progressive

$1,156

Massachusetts

State Farm

$1,899

Massachusetts

State Farm

$1,570

Minnesota

State Farm

$1,093

Minnesota

State Farm

$1,008

Mississippi

State Farm

$1,292

Mississippi

State Farm

$1,165

Montana

State Farm

$952

Montana

Progressive

$871

Nebraska

Auto-Owners Insurance Co

$1,581

Nebraska

GEICO

$894

Nevada

State Farm

$1,476

Nevada

State Farm

$1,378

New Jersey

GEICO

$1,932

New Jersey

GEICO

$1,379

New Mexico

State Farm

$1,153

New Mexico

State Farm

$1,079

New York

Progressive

$1,990

New York

Kemper

$1,480

North Carolina

Allstate

$2,176

North Carolina

Nationwide

$1,684

North Dakota

State Farm

$648

North Dakota

GEICO

$591

Oklahoma

State Farm

$1,134

Oklahoma

State Farm

$1,069

Oregon

State Farm

$1,180

Oregon

State Farm

$1,002

Pennsylvania

State Farm

$1,340

Pennsylvania

Travelers

$1,098

Rhode Island

State Farm

$822

Rhode Island

State Farm

$822

South Carolina

Auto-Owners Insurance Co

$1,338

South Carolina

Auto-Owners Insurance Co

$1,105

South Dakota

State Farm

$892

South Dakota

State Farm

$835

Tennessee

State Farm

$793

Tennessee

State Farm

$733

Texas

State Farm

$1,451

Texas

State Farm

$1,238

Utah

State Farm

$1,234

Vermont

State Farm

$538

Vermont

State Farm

$497

Virginia

State Farm

$940

Virginia

State Farm

$870

Washington

State Farm

$1,234

Washington

State Farm

$1,138

West Virginia

State Farm

$1,004

West Virginia

State Farm

$936

Wisconsin

State Farm

$896

Wisconsin

State Farm

$829

Wyoming

State Farm

$900

Wyoming

State Farm

$839

Car Insurance Companies That Serve Drivers With a Suspended License

Not all standard car insurance companies offer coverage to those with suspended or revoked licenses, seeing them as high-risk. Such license actions often point to serious traffic offenses or a pattern of minor ones. This perception heightens the likelihood of these drivers causing accidents or filing claims in insurers' eyes. Specific companies cater to this high-risk demographic, but they usually charge higher rates. For drivers in this predicament, it's important not to gravitate immediately to the first available insurer. By comparing different providers' quotes, you can still find a competitive rate, ensuring value for your money.

The following standard insurers offer coverage to those with suspended or revoked licenses:

  1. Allstate
  2. Farmers
  3. GEICO
  4. Nationwide
  5. Progressive
  6. State Farm
  7. USAA
  8. Travelers

There are also nonstandard car insurance companies that provide high-risk insurance at lower rates than standard companies. Nonstandard car insurance companies include:

If both standard and nonstandard insurance companies deny you coverage, you can also get a car insurance quote through state insurance groups. These state-funded plans are for high-risk drivers who can’t secure coverage through other means.

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MONEYGEEK EXPERT TIP

The lists provided may not be the only insurance companies offering coverage with a suspended license. If you aren’t sure if a company provides insurance for a driver with a suspended license, contact them directly.

How to Get Cheap Car Insurance Quotes With Suspended License

Obtaining affordable car insurance can be a challenge, especially after an accident or if you're dealing with the consequences of a suspended or revoked license. However, there are strategies you can employ to reduce your premiums and secure a reasonable rate.

1

List a driver with a clean driving record as the rated driver on the policy

Insurance companies base rates on the risk profile of the main driver. Listing someone with an impeccable record as the primary driver can significantly reduce your premium. Ensure this person genuinely drives the vehicle most often.

2

Change your level of coverage to save on monthly costs

Consider dropping comprehensive or collision coverage for older vehicles. Weigh the cost savings against potential out-of-pocket expenses in an accident.

3

Take advantage of discounts

Seek out discounts such as multi-policy, defensive driving course completion or good student rates.

4

Switch to a cheaper carrier

Compare rates from multiple carriers. Switching insurers can save you money, but ensure the new provider meets your coverage and service needs.

5

Don’t let insurance coverage lapse if your car is tagged

Maintain continuous insurance as a lapse can increase your rates. Consider a non-owner policy or minimum insurance if you're not driving your car.

6

Consider high-risk or nonstandard insurance companies

Some insurers specialize in high-risk drivers. Their rates, while higher than standard companies, can be more competitive for drivers with a suspended license.

7

Enroll in a defensive driving course

Approved courses can earn you discounts and show your commitment to safe driving.

8

Reassess vehicle choice

Opt for a vehicle that's cheaper to insure. Safer vehicles or those with good repair histories often earn lower insurance rates.

9

Increase your deductible

A higher deductible can reduce your premium, but ensure you can afford it if you need to file a claim.

10

Maintain good credit

Many insurers consider credit scores when determining premiums. A good credit score can secure better rates, even with a challenging driving record.

Securing coverage with a suspended license often results in pricey quotes. To obtain more affordable rates, prevent coverage lapses, explore eligibility for insurance discounts and consider state-required minimum liability coverage.

While insurance safeguards your finances, even if the car remains stationary, it's also a pivotal step towards license reinstatement, beyond merely settling fines.

FAQ

Navigating car insurance with a suspended license can be complex. Explore these frequently asked questions to understand the nuances and secure the best coverage for your situation.

About Mandy Sleight, Licensed Insurance Agent


Mandy Sleight, Licensed Insurance Agent headshot

Mandy Sleight is a licensed insurance agent and has worked in the industry since 2005. She has her property, casualty, life and health licenses. Mandy has worked for well-known insurance companies like State Farm and Nationwide Insurance, and most recently as the Operations Coordinator for a startup employee benefits company.

Mandy earned her Bachelor of Science degree in Business Administration and Management from the University of Baltimore and her Master of Business Administration from Southern New Hampshire University. She uses her vast knowledge of the insurance industry and personal finance combined with her writing background to create easy-to-understand and engaging content to help readers make smarter choices with their budgets and finances.