You will have to have had your car insurance for a continuous six months in order to cease being penalized with a higher rate and get credit for having insurance — which should help your rate come down. See this guide
to understand how and why a lapse in coverage impacts your premium. As for your husband's at-fault accident, that can impact your rates
for up to five years. If both the lapse and accident are making your premium unaffordable, there's no harm in shopping around
for better rates.
Good luck and if you have any questions, don't hesitate to ask
. For more information, see our additional resources below.