Yes, but it's more complicated. While you can't legally drive, you still need insurance to keep your vehicle registered or file an SR-22. Insurers will limit your options, but coverage is possible depending on your situation.
Auto Insurance
How to Get Car Insurance With a Suspended License
Updated: August 19, 2025
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Key Takeaways
Even if your license is suspended or revoked, minimum coverage is required on a registered car in your name or risk fines and a longer suspension period.
High-risk insurance specialists like The General, Bristol West and Dairyland offer specialized coverage options for suspended license drivers. Coverage availability and rates vary by state and individual circumstances.
Apply discounts, use telematics programs, insure a driver with a clean record and shop for quotes to get cheaper rates with a suspended license.
Can You Get Insurance With a Suspended License?
How to Get Car Insurance With a Suspended License
Even with a suspended license, keeping car insurance is often required especially if your car is still registered or you're mandated to carry an SR-22. While you won't be rated as an active driver, you can stay covered by listing another driver or updating your policy appropriately. Here's how:
- 1
Contact your current insurer right away
Report the suspension and explore options to remain on the policy as an excluded driver.
- 2
Research your state's requirements
Check whether your state requires SR-22 or FR-44 filings for reinstatement. Florida and Virginia require FR-44 for DUI convictions, while other states use SR-22 certificates. Also check if you qualify for a restricted or hardship license allowing limited driving for work, school, or medical appointments.
- 3
Shop with high-risk specialists
Get quotes from The General, Bristol West and Dairyland, which specialize in suspended license coverage.
- 4
Choose your coverage strategy
You have two main options: List a household member with a valid license and clean driving record as the primary driver, or if a family member or co-owner is on your vehicle's title, they can insure the car under their name while you're excluded as a driver.
- 5
Get required filings and apply for restricted license
Buy insurance with SR-22 or FR-44 filing if required, and apply for your restricted license if eligible. These filings prove you meet minimum coverage requirements for license reinstatement.
- 6
Consult an insurance expert if needed
An insurance expert can walk you through your state's rules, help you find high-risk policies and assist with required filings.
WHAT ARE SR-22 AND FR-44 CERTIFICATES?
SR-22 and FR-44 forms aren't insurance policies but proof that you carry the minimum liability coverage required by your state. They're required after serious violations like a DUI, driving without insurance or driving with a suspended license.
If your license is suspended, you can still file an SR-22 or FR-44, but you'll need to be excluded from the policy and have a rated driver with a valid license listed instead. This setup lets you meet state requirements, though you'll need high-risk or nonstandard insurance, which costs more.
Best Cheap Car Insurance for Suspended License
Travelers is the best affordable option for different suspended license categories. Co-operative, on the other hand, is the cheapest for most drivers needing an SR-22.
| Most Drivers Needing a SR-22 | Co-operative Insurance | $311 | $990 |
| Drivers With Other Violations | GEICO | $947 | $2,056 |
| Drivers With Multiple Speeding Tickets | Chubb | $1,241 | $2,604 |
| Drivers With Racing Violation | Travelers | $1,372 | $2,604 |
| Drivers With Hit-And-Run Accident | Travelers | $1,450 | $2,767 |
| Young Drivers With a Suspension | Travelers | $1,519 | $3,013 |
| Senior Drivers With a Suspension | Travelers | $1,590 | $2,881 |
Best Cheap SR-22 Insurance by State
Each state has its own insurance regulations, minimum coverage requirements and market dynamics, which affect premiums. For example, in Florida or Virginia, you may need an FR-44 if convicted of a serious violation like a DUI. Use the table below to find the cheapest companies and rates per state based on age and coverage type.
Data filtered by:Results filtered by:
Select
State:Alabama
| Drivers With Multiple Speeding Tickets | Cincinnati Insurance | $509 | $1,561 |
| Drivers With Other Violations | Cincinnati Insurance | $529 | $1,575 |
| Most Drivers Needing a SR-22 | AIG | $559 | $1,786 |
| Young Drivers With a Suspension | AIG | $625 | $1,967 |
| Drivers With Racing Violation | AIG | $637 | $1,980 |
| Drivers With Hit-And-Run Accident | AIG | $643 | $1,999 |
| Senior Drivers With a Suspension | AIG | $705 | $1,948 |
Insurance regulations and requirements vary by state. Consult your state's insurance department for specific requirements.
State-Specific Requirements and Procedures
Each state has different insurance rules and procedures for suspended license situations. Understanding your state's regulations helps you avoid extra penalties and get appropriate coverage.
FR-44 vs SR-22 Requirements
Knowing which financial responsibility form your state requires saves you time and confusion during the reinstatement process. Only Florida and Virginia require the more stringent FR-44 filing for DUI convictions, which mandates higher liability limits of 100/300/50. All other states that require financial responsibility filings use the standard SR-22 form with your state's minimum liability limits.
The difference lies in the coverage amounts. While an SR-22 proves you carry basic state-required coverage, an FR-44 requires higher liability protection, making it more expensive but providing better financial protection if you cause an accident.
No-Fault vs Fault State Implications
Your state's insurance system affects what coverage you'll need during suspension. No-fault states require you to maintain personal injury protection (PIP) coverage even when you're not driving, as this coverage follows you regardless of who causes an accident.
Fault-based states focus primarily on liability coverage requirements, while choice no-fault states like Kentucky and New Jersey let drivers choose between no-fault benefits and traditional liability-only coverage.
State-Specific Penalties for Driving Without Insurance
Getting caught without insurance while your license is suspended triggers additional penalties that differ by location. California impounds your vehicle for 30 days, while Texas fines you up to $1,000 on top of existing penalties.
Florida takes your license plates, and New York suspends your vehicle registration entirely. These penalties can extend your suspension period and create expensive complications.
License Reinstatement Process
Getting your license back requires completing key steps in a specific order. You'll need to serve your full suspension period, pay reinstatement fees that range from $25 to $500 depending on your state and violation and provide proof of insurance or file an SR-22/FR-44 if required.
Many states also require completion of driver education courses, defensive driving programs or substance abuse treatment before reinstatement. Don't forget to pay any outstanding fines or court costs, as these can delay the entire process.
What Is a Restricted License?
A restricted or hardship license lets you drive under limited circumstances while your license is suspended. This includes essential trips, such as going to work, school or medical appointments. In some states, restrictions also include limited driving hours or routes.
To apply, you'll need to submit an SR-22, proof of your need to drive, and pay a filing fee. Once approved, you may qualify for nonstandard auto insurance coverage, which is often more expensive due to your higher risk status.
It allows limited driving privileges during suspension. These licenses can help you maintain employment and handle essential needs while serving your suspension period.
Eligibility Requirements
Most states consider restricted licenses for:
- Essential work commute: Driving to and from work when no other transportation is available
- Medical appointments: Your own or dependent family members' medical care
- School attendance: Driving to educational institutions or children's schools
- Court appearances: Required legal proceedings
- Alcohol/drug treatment: Court-ordered or voluntary treatment programs
Restricted License Application Process
Getting a restricted license involves different steps depending on where you live, though the basic process is similar across states. Most applications take about two to four weeks.
- 1
Contact your state DMV
Call or visit your local DMV office to obtain restricted license application forms and specific requirements.
- 2
Provide proof of necessity
Submit documentation such as employer letters, school enrollment records, or medical appointment schedules.
- 3
Submit required documentation
Include proof of insurance, SR-22 filing (if required), and any court orders or treatment program enrollment.
- 4
Pay application fees
Fees range from $25 to $150, depending on your state and violation type.
- 5
Meet insurance requirements
Maintain continuous coverage and any required filings throughout the restricted license period.
State-Specific Variations
State | Restricted License Name | Typical Restrictions | Application Fee |
|---|---|---|---|
California | Restricted License | Work, school, medical, court | $125 |
Texas | Occupational License | Work, school, medical, household duties | $10 |
Florida | Hardship License | Work, school, medical, court | $50 |
New York | Conditional License | Work, school, medical, court | $50 |
Where to Get Coverage for Car Insurance With a Suspended License
Many insurers provide coverage for drivers with a suspended license, but your options are limited and rates are higher due to your risk profile. Some standard insurers still offer policies, even if you're excluded from coverage or another licensed driver is listed, while high-risk specialists are more likely to approve applications and file SR-22 or FR-44 forms.
- The General: Flexible payment plans, specialized high-risk programs, available in most states
- Bristol West: 43-state availability, comprehensive endorsement options, competitive rates
- Dairyland: Regional specialist, specific suspended license programs, SR-22 filing expertise
- Acceptance: Nationwide coverage, instant SR-22 filing, flexible payment options
- GEICO: Dedicated SR-22 filing division, competitive rates for excluded drivers
- Progressive: Snapshot telematics program available for restricted drivers
- State Farm: Driver rehabilitation programs, good student discounts
- Allstate: Accident forgiveness programs, Drivewise usage-based insurance
- State high-risk pools: Last-resort coverage in states like Maryland and South Carolina
- Credit union insurance programs: Members may qualify for special rates
- Regional carriers: Local insurers often have more flexible underwriting
High-Risk Insurance Specialists
Major Carrier High-Risk Programs
Regional and Local Options
MONEYGEEK EXPERT TIP
The lists provided may not include all insurance companies offering coverage for drivers with a suspended license. If you're unsure, contact the company directly to confirm.
Tips to Get Cheap Insurance for Drivers With Suspended License
Getting affordable car insurance is challenging, especially after an accident or with a suspended or revoked license. However, you can use strategies to lower your premiums and get a reasonable rate.
- 1
Change your coverage level
Consider dropping comprehensive or collision coverage for older vehicles to save on monthly costs. Weigh the cost savings against potential out-of-pocket expenses in an at-fault accident.
- 2
Take advantage of discounts and bundle policies
Look for discounts such as multi-policy, defensive driving course completion or good student rates.
- 3
Switch to a cheaper insurer
Compare rates from multiple carriers. Switching insurers saves money, but make sure the new provider meets your coverage and service needs.
- 4
Don’t let your coverage lapse
If your car has a valid registration, keep continuous insurance, as a lapse can raise your rates. Consider a non-owner policy or minimum coverage if you don't drive your car.
- 5
Consider high-risk or nonstandard insurance
Some insurers specialize in high-risk drivers. Their rates are higher than those of standard companies, but they're more competitive for drivers with a suspended license.
- 6
Enroll in a defensive driving course
Taking approved courses can earn you discounts and show your commitment to safe driving. It may also be required to reinstate your driver's license.
- 7
Reassess your vehicle choice
Opt for a vehicle that's cheaper to insure. Safer vehicles or those with good repair histories often earn lower insurance rates.
- 8
Increase your deductible
A higher deductible can reduce your premium, but ensure you can afford the out-of-pocket cost if you need to file a comprehensive or collision claim. Note that liability coverage doesn't have deductibles.
- 9
Maintain good credit
Many insurers consider your credit history when determining premiums. A good credit-based insurance score can secure better rates, even with a challenging driving record.
Can Car Insurance Companies See if Your License Is Suspended?
Yes, insurance companies receive automatic electronic updates from your state's DMV whenever your license is suspended. Your insurer might cancel your policy or choose not to renew it. This is common with serious violations like DUI. Your state's laws determine how much advance notice they give you; this is usually 30 to 120 days.
MONEYGEEK EXPERT TIP
In some cases, your insurer allows the policy to remain active but excludes you as a driver. If excluded, you won't be covered behind the wheel even if you own the car.
Penalties for Not Having Insurance With a Suspended License
If your vehicle's registration is active, you're legally required to keep it insured, even if your license is suspended. Letting your coverage lapse leads to:
- Fines and impound fees if your car is towed
- A longer license suspension period
- Suspension of your vehicle registration
- No financial protection if you get into an accident
- Higher premiums when shopping for cheap car insurance quotes
For example, a full coverage policy from Travelers costs $1,356 per year without a lapse. If you go uninsured for less than 30 days, the rate can rise to $1,527. A lapse of over 31 days pushes it to $2,065.
Getting Car Insurance With a Suspended License: Bottom Line
A suspended license doesn't leave you completely without insurance options. You'll pay more for coverage. First, find out whether your state requires SR-22 or FR-44 filing, then look into getting a restricted license if you qualify.
Insurance With a Suspended License: FAQ
We answer common questions about getting car insurance when your license is suspended to clarify your options and what's required.
Can you get car insurance with a suspended license?
Yes, you can get coverage with a suspended license. In most states, you're still legally required to register and insure your car, even with a revoked license. If you won't be driving, make sure to meet your state's minimum car insurance requirements.
How do you get around a suspended license?
To work around a suspended license, you can get a restricted driver's license, apply for FR-44 or SR-22 filing, or be included on a policy of a rated driver with a clean motor vehicle record.
Can you get car insurance with a revoked license?
Yes, you can get car insurance with a revoked license, and you need to. You'll have to list a rated driver with a valid license on your policy and exclude the revoked license holder. Depending on your state, you can only purchase high-risk insurance, SR-22 or FR-44, which is more expensive.
Can you register a vehicle with a suspended license?
Registration rules depend on the state. Most states let you register a vehicle with a suspended license if you have proof of insurance and documents to identify yourself.
What happens if you lie about your license status to insurers?
Lying about your license status is insurance fraud and results in policy cancellation, claim denials and possible criminal charges. Insurers verify license status through state databases, so they'll discover false information. Always provide accurate information when applying for coverage.
How do lenders handle suspended license situations?
Lenders require continuous insurance coverage regardless of license status. If your license is suspended, inform your lender immediately. They might work with you to maintain coverage through alternative arrangements, such as listing another driver as primary or accepting comprehensive-only coverage during the suspension period.
Can you get insurance for someone else's car with a suspended license?
You generally can't purchase insurance for a vehicle you don't own or have an insurable interest in. However, if you're listed on the vehicle's title or have a financial interest in the car, you may be able to secure coverage by listing another licensed driver as the primary operator.
What's the difference between license suspension and revocation?
A suspension is temporary and ends automatically after a specific period or when you meet certain requirements. A revocation is permanent termination of your driving privileges, though you may be able to apply for a new license after a waiting period and meeting reinstatement requirements.
Do you need different coverage during license suspension?
Your coverage requirements remain the same during suspension. Understanding how much car insurance you need helps ensure adequate protection. You must maintain at least your state's minimum liability coverage. However, you may be able to adjust your coverage levels or add storage insurance if you won't be driving during the suspension period.
How long do violations affect your insurance rates?
Most violations affect your rates for three to five years, but serious offenses like DUI impact rates for five to 10 years or longer. The specific timeframe depends on your state's laws, the severity of the violation, and your insurer's policies. Some insurers offer rate reductions after you complete defensive driving courses or maintain a clean record.
Can I lower my coverage if I won't be driving?
Your state's minimum coverage requirements still apply to registered vehicles. Loan and lease agreements require drivers to carry full coverage. If you're storing the vehicle, you may be able to switch to comprehensive-only coverage to protect against theft and weather damage.
What is an SR-22 certificate?
An SR-22 is a certificate from your insurer that confirms you meet your state's minimum auto insurance requirements. It's often required for high-risk drivers with serious violations. While it's not an insurance policy, it serves as proof of compliance and is required for one to three years, depending on state regulations.
Car Insurance Rates for Drivers with Suspended Licenses: Our Methodology
A suspended license doesn't prevent you from getting car insurance, but you'll pay higher rates and have fewer company options. Our research focuses on drivers in this situation — we analyzed which insurers offer coverage and the actual costs you can expect.
Data Collection and Scope
We gathered rate information from state insurance departments and Quadrant Information Services, analyzing 2,474,515 quotes from 607 insurers across 3,523 ZIP codes nationwide. This comprehensive sample provides reliable rate estimates for drivers with suspended licenses.
Our research also includes calling insurance company customer service lines to verify coverage availability for suspended license situations, since not all insurers accept these applications through standard online quote systems.
Sample Driver Profile
We based our analysis on a single 40-year-old man driving a 2012 Toyota Camry LE with:
- Clean credit score
- Valid vehicle registration
- No current insurance claims
We tested variations of this profile across different ages, locations and violation types to understand how suspension-related rate increases vary based on individual circumstances.
Coverage Analysis
Our rate analysis covers both coverage types that suspended license drivers typically need:
- Minimum coverage: Meets your state's requirements for liability insurance. This coverage protects others if you cause an accident and is often required to reinstate your driving privileges.
- Full coverage: Combines liability insurance with comprehensive and collision coverage for your own vehicle. Lenders require this coverage for financed or leased vehicles, and it provides better financial protection.
Understanding Policy Limits
When we reference 100/300/100 coverage, this means:
- $100,000 bodily injury liability per person injured
- $300,000 bodily injury liability per accident total
- $100,000 property damage liability per accident
Why This Methodology Works for Your Situation
License suspensions typically result from serious violations, which affects both insurance availability and pricing. Our research accounts for these factors by focusing on companies that don't automatically reject suspended license applications.
We also recognize that suspended license drivers often need SR-22 certificates to reinstate driving privileges. Our analysis includes this requirement where applicable, since SR-22 filings can add $15 to $50 to your monthly premium depending on your state and insurer.
Research Limitations
Our methodology has some constraints worth noting:
- Rate quotes reflect standard underwriting and don't account for individual circumstances beyond our sample profile
- Some insurers require direct contact rather than online quotes for suspended license drivers
- State-specific requirements for license reinstatement affect which coverage levels you actually need
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.