Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 26, 2020

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Key takeaways...

  • Getting insurance without a valid driver’s license can be a challenge
  • Some high-risk insurance companies will issue car insurance to individuals who do not have a valid license
  • If you have a restricted license instead of a completely suspended license, you may be able to purchase high-risk auto insurance
  • A comparison tool can help you quickly identify carriers and purchase car insurance policies even if you do not have a driver’s license

Unless you plan on turning in the license plate and registration to your car upon receiving notification that your license is suspended, you will still need to carry a minimum amount of car insurance if you own a vehicle.

Thankfully, you can search policies for individuals with suspended driver’s licenses by using a comparison tool. Try ours today by entering your zip code in the above and see how much you could save.

Table of Contents

Driving with a Suspended License

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Under no circumstances should you drive with a completely suspended driver’s license. This is illegal and civil and criminal penalties could be levied against you if you are caught. Your car could even be impounded.

In some instances, you may be able to get a restricted driver’s license, which is a license that allows you to drive under certain conditions.

Individuals with DUIs or OWIs may be able to get a restricted license if they agree to have an ignition interlock installed on their vehicles. Other individuals may be able to drive their vehicles to and from work or school.

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Reasons Driver’s Licenses are Suspended

If you’ve received a notice in the mail that your driver’s license has been suspended, you should take action to remedy the situation. Common reasons that driver’s licenses are suspended include:

  • Not having a valid car insurance policy or letting your policy lapse
  • Too many traffic tickets or points on your license
  • Getting a DUI, DWI or OWI
  • Driving recklessly or speeding
  • Participating in a hit and run instead of staying at the accident scene
  • Not paying a fine related to breaking a law while driving
  • Failing to appear in court after receiving a traffic ticket and summons to appear

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Reasons You Would Need Car Insurance Even with a Suspended License

Not having car insurance on your vehicle can lead to severe penalties, and there are valid reasons you would still need insurance on a car you cannot drive.

If you are making car payments on a vehicle, you will still need to carry a valid insurance policy on that vehicle even if you cannot drive it due to a suspended driver’s license.

This is because many financial institutions require insurance on vehicles where they have provided loan money.

If you intend for someone else to drive your vehicle and/or chauffeur you around to run errands and get to and from work, you will need a valid insurance policy on your vehicle.

You can find policies for high-risk drivers and driver’s with suspended licenses by utilizing a car insurance comparison tool.

Car Insurance with a Suspended License

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It can be extremely difficult to find a car insurance policy if you have a suspended driver’s license. However, if you have someone that can chauffeur you around, you can list them as the primary driver on the car insurance policy.

You must also have yourself excluded specifically by name on the policy. This works well if your primary driver lives in your household. Valid primary drivers would include your spouse or an adult child.

If you cannot find a policy that allows you to list a non-vehicle owner as the primary driver of your vehicle, you can always have the individual added to the title of your car. You can also look for insurance companies that offer policies to high-risk drivers.

Some companies may be able to write a policy for a driver with a suspended license and a primary driver that does not own the vehicle.

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How to Find a Policy with a Suspended License

If you have a suspended license, you should use a comparison tool to search for car insurance policies for drivers with suspended licenses or who do not have a license. Just make sure you tell the tool that you do not have a driver’s license.

Failure to tell the insurance company about your suspended license could result in the revocation of your policy if the insurer were to find out.

Once you find a policy that you can afford, you should purchase it online and print your temporary insurance cards and the information for the policy. Your new insurance company will send your permanent cards and additional information through the mail.

Begin shopping for car insurance today and see how much you could save.