Can you buy car insurance with a suspended license?
You can buy car insurance with a suspended license but realize your rates will go up. Buying auto insurance with a suspended license requires an SR-22 insurance form, which means you're a high-risk driver. Not all car insurance companies offer high-risk coverage. Use our free comparison tool below to find and compare SR-22 insurance quotes from local car insurance companies
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Written by
Jessica Sautter
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Reviewed by
Chris Harrigan
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UPDATED: Oct 13, 2020
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- Obtaining car insurance when under an SR22 requirement can be very expensive
- Not all drivers who have their license suspended require an SR22 form completed but this varies from state to state
- Dealing with government agencies can be very difficult at times so have some patience
Most car insurance companies will not issue an auto insurance policy to someone with a suspended drivers license. So what happens to your insurance when your license is suspended?
For current policyholders (which most drivers already were before the suspension) there are a couple things to consider when your driver’s license gets suspended.
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How much car insurance do you need now?
Depending on the length of your suspension and whether or not any additional drivers are in the household you may only need the bare minimum state requirements while your license is suspended.
Reducing coverage is sometimes a much better option than having to re-apply for car insurance after your driving privileges get reinstated.
Many auto insurance companies offer short term holds or option to temporarily reduce coverage so ask.
Getting a new car insurance policy after having your driver’s license suspended can be very difficult so many people just keep the current policy and simply find a way to minimize the cost.
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How can my driver’s license get suspended?
There are many reasons how a drivers license can get suspended. From a DUI charge to simply not paying a traffic fine.
Whenever you have an encounter with a law enforcement official, it’s important you take any fines or request for information quite seriously.
Will I be required to file an SR-22 form?
Obtaining car insurance when under an SR22 requirement can be very expensive.
Not all drivers who have their license suspended require an SR22 form completed but this varies from state to state.
Suspensions simply due to an unpaid speeding ticket may not warrant enough of a reason for you to file an SR22 form while other times it will.
The most important thing you need to do is understand exactly what is required and follow the steps thoroughly to make sure you get your driving privileges back in a smooth fashion.
If you need to get a new car insurance policy after a license suspension than it’s critical you compare car insurance companies to compare rates.
Be sure to enter your zip code below to find the best auto insurance for your needs!