Phone: 1-(855) 233-7818

Are you currently insured? Yes         No

Start Quote

Are you able to get Auto Insurance with a Suspended License?

getting your license takenWas your license recently suspended due to a DUI offense, unpaid tickets, or a major traffic violation? If you’re stuck with a suspended license, you may be wondering what it means for your car insurance policy.

Here at AutoInsureSavings, we frequently get emails inquiring about the impact that a suspended license has on car insurance. Some of the most commonly asked questions that we get include the following:

  • Can I get insurance with a suspended license?

  • How will a suspended license affect my car insurance?

  • Will I need car insurance with a suspended license?

  • Will my car insurance rates go up?

  • Will I still be eligible for car insurance discounts?

  • How long will a suspended license affect my car insurance rates?

While the consequences of a suspended license often vary depending on the individual and the insurance provider, we’ve provided some general information below that will help you get a better idea as to how your suspended license is going to affect you and your relationship with your auto insurance provider.

Can I get insurance with a suspended license?

It is possible to get car insurance with a suspended license in most states. If your car insurance revoked youryes you can insurance after your DUI conviction or suspended license, then the first step that you should take to re-obtain car insurance is to contact your local DMV. They will let you know whether or not your state allows drivers to obtain and maintain car insurance with a suspended license.

If your state allows it, the next option is to get in touch with various car insurance companies to see if they will provide you with coverage. The easiest and most efficient way to do this is to use our advanced quote comparison tool at the top of the page. By entering in your zip code, and answering the provided questions honestly, we’ll help you find a car insurance company that is willing to offer you car insurance.

While there are many providers that will still sell you car insurance, keep in mind that many of these providers will also have a list of stipulations that must be met for the policy to be finalized. Such stipulations may include providing proof that you are working to have the suspension removed, or a guarantee that your license will be reinstated after a specified time period.

How will a suspended license affect my car insurance?

High RiskIf your insurance provider doesn’t cut you off as a customer after your licensed has been suspended, you should consider yourself lucky. However, there’s a good chance that you will not get away unscathed. In most cases, a suspended license, be it from a DUI conviction or major traffic violation, will prompt your insurance company to switch you to a high risk policy.

With the high risk label, there is no doubt that your insurance rates will increase substantially. Insurance for high risk drivers is significantly more expensive than standard car insurance. However, your provider may still allow you to qualify for discounts depending on your overall driving history. High risk insurance will also earn you a shorter leash with your provider. That means that they could very easily revoke for your insurance for what would typically be considered minor infractions.

Will I need car insurance with a suspended license?

Whether or not you need car insurance with a suspended license typically depends on you as an individual. There are circumstances in which a person’s license will be suspended for everything but driving to and from work. If your suspension includes that or a similar exception, then it is absolutely essential that you have car insurance despite the fact that your license has been suspended.

If you are not the only person on your car insurance plan, you’ll also need to maintain your car insurance to make sure that everybody else on the policy is covered. However, if there is another person of driving age in your household, it may be best to transfer your policy from your name to theirs.

If you opt to transfer your policy, or have the other driver in the household open a new car insurance policy under their own name, we strongly encourage you to use our advanced quote comparison tool at the top of this page to find the best rate available.

Will my car insurance rates go up?

It is almost guaranteed that your car insurance rates will go up after your license has been suspended. If your car insurance policy isn’t completely revoked, then it will likely be changed to a policy designated for high risk drivers. Car insurance for high risk drivers costs more for less coverage.

The best way to get the most affordable car insurance rate after your license has been suspended is to actively shop around. With the help of our advanced quote comparison tool, you’ll be able to find out which of the major car insurance companies is offering you the best rate for the amount of coverage that best suits your needs.

Will I still be eligible for car insurance discounts?

When covered by standard insurance, there are a myriad of discount available to drivers. From AAA discounts tothumbs up auto and home combo coverage discounts, drivers can often take a significant percentage off the amount they pay each month in car insurance.

Once your license has been suspended, your car insurance provider may opt to remove many of those discounts. They may determine that they do not apply to high risk policies. The best way to find out if you can get car insurance discounts with a suspended license is to contact your insurance provider directly.

Even if your provider does say that you can still get discounts on high risk insurance plans, you may want to check with them to make sure that any previous discounts you may have been receiving are either still active, or can be re-added to your current plan.

How long will a suspended license affect my car insurance rates?

The length of time that your suspended license will impact your car insurance varies on a few factors. These factors include:

  • The length of suspension

  • The reason for the suspension

  • Your state’s and insurance provider’s policies regarding suspended licenses

In order to find out how long your rates will be affected following the suspension of your license, it is best to contact your current insurance provider for more details. They’ll be able to provide you with a more definitive time frame. They may even be able to offer suggestions as to how you can shorten that time period, or at least how you can lower your current rates.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

Comments are closed.