Yes, you can get car insurance with a suspended license. However, not all providers will provide car insurance with a suspended license and those who do including some large providers like Geico, Progressive, and State Farm will charge higher premiums. Getting adequate car insurance is often one of the first steps that you need to take to getting your license back. The fact that you have car insurance, however, does not mean that you have a legal right to drive. You must have both a valid drivers’ license and car insurance to legally drive a car on US roadways.
- How To Get Car Insurance With a Suspended License?
- How Much Does Car Insurance Cost With a Suspended License?
- Why Get Car Insurance With a Suspended License?
How To Get Car Insurance With a Suspended License?
If you currently have car insurance and your license gets suspended, your car insurance company may not renew your coverage when they pull your driving record upon renewal. However, in that case, you should shop around to find providers that do offer coverage to drivers with a suspended license. Some large providers including Geico, Progressive, and State Farm offer coverage to drivers with a suspended license, but the premiums are typically higher.
If you currently don’t have car insurance and have a suspended license, but would like to obtain coverage, you can also shop around with the providers mentioned above and also shop around for auto insurance designed for high-risk drivers to see which company offers you the best rate.
How Much Does Car Insurance Cost with a Suspended License?
In the table below, we compare insurance premiums for a female driver aged 35 living in Los Angeles, CA who drives a 2014 year old Honda Civic for 2 different coverage levels. We compare between her monthly insurance premium rate with and without a suspended license. As you can see, her insurance increases by 54% with a license suspension.
|Coverage||Monthly Rate (No driving violation)||Monthly Rate (License Suspension)||% Increase|
|Geico (state minimum liability insurance)||$48.25||$74.15||54%|
|Geico (state minimum liability + $500 deductible comprehensive + $500 deductible collision coverage)||$106.08||$163.28||54%|
Why Get Car Insurance With a Suspended License?
Protect Your Vehicle
Your car is one of your most expensive possessions and you need to protect it with insurance. Even if you are not allowed to drive, your vehicle can still sustain damage from weather conditions and vandalism. Furthermore, it is still vulnerable to theft. Thus, you should always have comprehensive insurance, even if you cannot drive the car.
Get Your Driver’s License Reinstated
To get your driver’s license reinstated, you will often be required to show proof that you have auto insurance. In fact, if you have been declared a high-risk driver, you will be required to get a SR-22 certification. This is a filing with your state that proves you possess the requisite auto insurance that you must carry. You must carry this certification for the mandated time period, often 3 – 5 years, without any lapses in coverage.
Avoid Gaps in Coverage
Another reason to get car insurance with a suspended license is to avoid significant gaps in insurance coverage. Gaps in auto insurance coverage cause your rate to increase when you attempt to get auto insurance again. Furthermore, gaps in insurance coverage can lead to you being classified as a high-risk driver. This will make it difficult and more expensive for you to obtain coverage when you get your driver’s license back.
Drive with a Hardship License
Even though your driver’s license has been suspended, you may still legally be able to drive if you qualify for a hardship license. A hardship license, also known as a restricted license, allows you to still be able to drive your car to places such as school and work. This can make life much easier; however, you must have valid insurance in order to operate your vehicle legally.
You can get auto insurance with a suspended license and should look into doing so as soon as feasible after your driver’s license is suspended in order to avoid costly lapses in coverage, speed up getting your license reinstated, and protect your vehicle from damage and theft. Shop around for providers offering insurance to high-risk drivers.