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How much will I pay for car insurance with a suspended license?

how much will I payLet us help you by answering that question and more

Depending on your situation, it may not be as difficult as you think it is to get car insurance with a suspended license. The rates that you will pay, however, will be significantly higher than those that you were paying with standard car insurance.

As with standard insurance, there are various factors that insurance companies will consider when deciding whether or not to issue you car insurance with a suspended license. The same can be said about determining the rate that you will pay. For example, a teenager who had their license suspended after minimal driving history is more likely to be denied car insurance or offered a significantly higher rate than an older individual with who had his or her license suspended after a single DUI offense.

How can I find out how much I will pay?

One of the easiest ways to determine how much you will pay for car insurance with a suspended license is to use our advanced quote comparison tool. With the help of this tool, you’ll be able to get customized auto insurance quotes from the top companies. All you have to do is provide your zip code, and then answer a few questions honestly.

The amount that you’ll have to pay for car insurance with a suspended license will vary with each company, so in order to find out how much you’re going to pay, it’s best to get and compare multiple quotes.

Why are my quoted car insurance rates so much higher than they were in the past?

You can count on paying high auto insurance rates with a suspended license. The fact that your license got suspended in the first place means that you were engaging in risky driving behavior. Whether you were driving by yourself with a learner’s permit, driving under the influence, or amassing numerous tickets for driving infractions, the actions you took put you at a greater risk of being involved in an accident.

There’s a greater likelihood that you will file a claim following an accident, which means that the insurance company will have to pay up. Car insurance companies are in the business to make money, which means that those more likely to file claims are going to have to pay more money upfront with their premium.

Does having a suspended license mean I’ll only be offered high risk auto insurance?

Let’s be honest – your license wasn’t suspended due to careful driving habits. As a result, your car insurance provider will classify you differently than drivers with cleaner driving records. Most companies offer high risk auto insurance to drivers who have a less than stellar driving history. This non-standard form of car insurance will cost more, and may even offer less coverage. If you have a suspended license, it is essentially a guarantee that you’ll only be given the option of getting high risk auto insurance for a specific period of time.

How long will it take get standard car insurance with a suspended license?

The amount of time that you’ll have high risk auto insurance depends on two factors:

  • The length of your license suspension

  • The reason why your license was suspended

If your license was suspended for a DUI conviction, there’s a good chance that you’ll be stuck with high riskenough is enough insurance for an extended period of time. A DUI conviction could stay on your insurance record for a few years, so you can expect to pay the high risk rate for an extended period of time.

On the other hand, if your license was suspended for 6-12 months or less, then you’ll be able to move from high risk to standard car insurance a lot faster.

Can I qualify for discounts if I have car insurance with a suspended license?

If you have high risk car insurance following a license suspension, you’re going to have a harder time finding qualifying discounts. In fact, there are only a few discounts for which you may be eligible, and even those may be out of reach. The only potential discounts that you may qualify for with a suspended license include:

  • Discounts related to your employer

  • Discounts related to your membership in an organization

  • Discounts related to auto/home insurance combo packages

In order to find out if you qualify for any of those discounts, it is best that you read the fine lines that provide in detail their eligibility standards.

The last word…

The amount that you’ll pay for car insurance with a suspended license depends on a variety of factors. As a result, it is impossible to give you an exact quote without knowing other details. If you would like a more accurate quote to find out how much you’ll pay each month, enter your zip code in our advanced quote comparison tool at the top of the page to get started.

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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