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Car Insurance for a Suspended License Driver: 4 Tips to Getting the Better Rates

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Updated June 24th, 2020

Was your license recently suspended? If so, you’re probably expecting your insurance rates to soar if they haven’t done so already. One of the biggest mistakes that drivers with a suspended license make is thinking that they’re going to pay the same high rate regardless of who their insurance provider is.

Top Reasons for a Suspended Driver License

RankReason for Suspended License
2Accumulation of “points” from tickets
3Refusal of a BAC test or breathalyzer
4Leaving the scene of an accident
5Reckless driving or excessive speeding
6Failure to respond to a traffic court summons

While car insurance for suspended license drivers is typically more expensive than standard auto insurance, there are things that you can do to have a say in the rate that you’ll be paying.

Just as with standard car insurance, the rates for high-risk or suspended license drivers vary according to a number of different factors.

In order to help you get the best rate possible, we’ve compiled a list of tips on how to get the best rate on car insurance for a suspended license driver.

chart showing all the fees associated with a suspended license.

Note: These are typical fees for a driver with a suspended license. Depending on your situation you can incur some or all of the fees.

Shop Around & Keeping Shopping Around for Lower Rates

Whether you have high-risk car insurance or standard car insurance, the best way to get the best rates is to shop around. By comparing quotes at least once every few months, you’ll be able to maximize your savings by guaranteeing you get the best rates available to you.

Unlike other industries, loyalty doesn’t always benefit the customer when it comes to car insurance. In fact, loyal customers often pay more, as car insurance providers typically offer the best rates to new customers.

By using the quote comparison tool at the top of this page, you’ll be able to find out which providers are offering the best rates on car insurance for a suspended license driver.

All you have to do is type in your zip code, and then answer a few questions honestly. You’ll get rates from the leading auto insurance companies in your area within minutes.

Find the rate that works best for you, and then give that company a call.

States with the Highest Amount of Drivers License Suspended Annually

StateAnnual Suspensions
New Jersey310,500
New York280,697
Washington D.C.10,632

*The State of Virginia DMV has a class-action lawsuit filed against it.

Note: There are states with higher driver’s license suspended annually. The states listed are higher compared to population size.

Ask for Discounts if Available & Check Competitors Too

Whether you decide to switch to the company offering the lowest rate on car insurance for suspended drivers, or you opt to stay with your current provider, another easy way to get cheaper rates is to ask about discounts.

Pie Graph showing the top insurance discounts to lower rates

Most car insurance companies offer discounts, regardless of the kind of policy you have. While drivers with a suspended license won’t qualify for as many discounts as drivers with a clean driving record, there are still opportunities abound.

Chart showing insurance discounts and the percentage savings when combined with other discounts

From employers and membership organizations to driving classes that promote safety, you’d be surprised at the many different ways you can secure a discount from your car insurance provider.

Downgrade Your Car if Feasible or Lower Coverage on Your Current Vehicle

Believe it or not, the best way to get the best rates on car insurance for a suspended license driver is to use the same tactics you’d use if you had standard auto insurance. By downgrading your car to one that is more reliable and less expensive, you’ll be able to cut your premium by a significant amount.Graph showing the cost of a operating a vehicle valued from 10 to 50 thousand dollars.

Note: Typical expenses include repairs, insurance, and gas. Normally, when the value of the vehicle goes up the expenses usually do. As illustrated by the graph you could slash your expenses by downgrading a vehicle.

The truth is that you’re unable to legally drive with your suspended license, and your high-end luxury vehicle or sports car isn’t doing anything for you at the moment. It only makes sense to get a more reliable, older used vehicle for insurance purposes. You can always add your high-end car back onto your policy when you re-qualify for standard insurance.

Illustrated graph showing the premiums with a 50 to 2,000 dollar car insurance deductible.

Note: As illustrated by the graph you pay less when you have a higher deductible. This is another way to lower your rates. Be sure to consult with an insurance agent before you do.

Communicate with Your Insurance Carrier to Find Better Options

Perhaps the best and most important thing you can do to get the best rates as a suspended license driver is to stay in close contact with your auto insurance provider. Keep them informed about the status of your suspension.

If the end date for your suspension is near, make sure that your insurance provider knows that information as well.

The better informed they are, the quicker they will be to transition you back to standard insurance.

By staying in close contact with your insurance provider and a local DMV, you’ll also be able to keep informed on the different options that are available to you.

Whether it’s the latest discount or rate-reduction offer, the more often you communicate with your auto insurance provider, the better the chance of you getting the best rate possible.

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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