How to find the best car insurance for a driver with a suspended license

 

Finding car insurance with a suspended license can be tricky. Depending on the reason your license was suspended, you could find a workaround — namely via a restricted driver’s license. It can be confusing if your license was suspended when you are carrying active car insurance. Let’s explore the ins-and-outs of auto insurance for drivers with a suspended license.

 

Car insurance with a suspended license
  1. How to get insurance with a suspended license
  2. What is the cheapest company with a suspended license citation?
  3. What to do with your car insurance after your license is suspended
  4. Additional resources

 


 

How to get auto insurance with a suspended license

 

Most auto insurance companies won't issue a new policy to a driver with a suspended license. First, you’re not legally allowed to drive. Second, it would be a risky investment to insure a driver with a suspended license. Although there are non-driving related reasons a license can be suspended, many are related to driving recklessly or violating the rules of the road in one of the below ways:

To an auto insurance company, a client exhibiting reckless driving habits is a claim payout waiting to happen, i.e., money lost. As a result, insurance companies charge potentially risky clients higher premiums — or deny coverage altogether.

 

What can you do about it?

Depending on your location, you might be able to apply for a restricted license. A restricted license allows drivers with a suspended license to drive to the following places:

  • Doctors' appointments
  • Work
  • Court
  • To transport dependents

Restricted licensing is subject to state regulations and is offered on a case-by-case basis. The reason for your license suspension, the reason for your restricted license request, and your driving record are all considered as part of the application process. Restricted licenses are sometimes called occupational licenses, hardship licenses, or work licenses.

Not all car insurance companies will write a policy for a driver with a restricted license. If you run into issues, speak to an insurance agent directly: if major insurance companies deem you too high-risk, one of their subsidiaries might approve you. Also consider non-standard insurance companies. These smaller companies often work with high-risk drivers to get them insured.

The Zebra's licensed insurance agents can connect you with non-standard and standard companies. Call us at 1-833-768-7789 to see if we can find you insurance with a suspended license.

 


 

How much is car insurance with a suspended license violation?

 

Nationally, a citation for driving with a suspended license is the fifth most expensive violation a driver can receive — behind hit-and-run, racing, DUI, and refusal to submit to a chemical test. On average, you can expect your rate to jump by over 67% with a suspended license citation. Getting a ticket for a suspended license will certainly cost you over the long run, as you're typically rated on it for three years. Let's explore what the cheapest insurance companies are with this violation on your driving record, using the standard driver profile we use in our methodology.

Average 6-month premium before and after suspended license ticket
CompanyNo violationsAfter driving with suspended license charge Premium increase: % and $
Allstate$944$1,26934% or $325
Farmers$762$1,38681% or $623
GEICO$638$1,10973% or $470
Liberty Mutual$823$1,25852% or $434
Nationwide$673$1,517125% or $844
Progressive$802$1,19148% or $389
State Farm$656$95044% or $293
USAA$474$81772% or $343

 

If you can't qualify for USAA, State Farm was the second-cheapest insurance option for drivers with a suspended license citation. Every insurance company is different in how much exactly a certain violation will increase your premium. As you can see, there is quite a bit of variance between them for the same violation. This is why it's important to shop around with as many insurers as you can for the most affordable rate. Use our data as a starting point in your search for car insurance after a suspended license violation.

 


 

What to do with your auto insurance after a license suspension

 

If you were already insured when your license is suspended, your insurance situation can get complicated. Although the short-term cost savings could be tempting, do not cancel your insurance coverage. Depending on the reason for your license suspension, maintaining insurance coverage will probably be a requirement of lifting your license suspension and returning to the road.

 

Can I lower my car insurance coverage if my license is suspended?

This depends. If you have a loan or lease on your vehicle, you most likely cannot. Because another entity — such as a dealership or bank — technically owns the vehicle, they will usually require high levels of coverage. If you lower your coverage, your bank or dealership might add "forced coverage." If your dealership opts to force coverage, the insurance you removed will be re-purchased, and you'll foot the bill. Forced coverage is usually more expensive than maintaining your coverage.

If you own the vehicle outright, you can make changes to your coverage. If you’re absolutely not going to be driving your vehicle during your license suspension, consider removing your collision coverage. This coverage is designed to protect your vehicle if it is damaged when colliding with a fixed object. If you won't be driving the vehicle, you won't need this coverage.

Depending on where the vehicle will be stored, your comprehensive coverage might not be necessary either. Comprehensive coverage insures your vehicle against damage caused by weather, animals, theft, and vandalism. If you’re going to store your vehicle in a locked garage and you’re not worried about severe weather, this might be another option for you. This type of protection is called storage insurance/storage coverage. More information can be found here.

Removing your liability insurance will not be an option, however. Because liability coverage is required in nearly all states — New Hampshire being the exception — removing it would risk having your vehicle’s registration suspended. Considering you’re already dealing with your suspended license, this isn’t ideal.

 

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Additional resources: what to do after a suspended license

 

Getting affordable car insurance with a suspended license is going to take some work. While most insurance companies will not issue you a policy with a suspended license, you might find some help from a restricted license. Furthermore, online car insurance shopping might be difficult for you, which is why we recommend speaking to an insurance agent directly. You can ask them directly for recommendations for your situation. Feel free to give us a call at 833-768-7789 for personal assistance.

If you’re looking for related articles, see below.

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.