Can I buy car insurance with a suspended driver’s license?

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Call for FREE quotes: (888) 442-5145

Melanie Musson
Recognized Insurance Expert

UPDATED: Mar 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

There are many reasons why your driver’s license may become suspended. You may have been involved in an accident that you could not pay for, and your license is suspended until the damages are addressed. You might have been convicted of a DUI or failed to pay your speeding tickets. Whatever the reason, a suspended license means that you cannot legally drive until the license is reinstated. It also means that car insurance may be more difficult to obtain.

How to buy car insurance with a suspended license

Because you should not be driving a vehicle with a suspended license, you may not need to carry auto insurance on your vehicle at all. You might keep the vehicle garaged and add coverage to it once more whenever your license is reinstated. In other cases, however, you should never leave your vehicle uninsured, even if no one will be driving it. For example, if you are still making payments on the vehicle, you will need to maintain car insurance on the vehicle until it is paid off.

Obtaining car insurance with a suspended license may be difficult, but not impossible. Your first step should be to contact several insurance companies in your area to see who might be able to provide coverage for your vehicle. You can explain your unique situation and see if you can find a company that can work with you to provide coverage for your vehicle until you are able to reinstate your driver’s license.

In some cases, purchasing insurance with a suspended license means you will need to buy a high-risk auto insurance policy. High-risk policies usually cost somewhat more than regular policies, and may offer limited coverage in comparison. You should be able to use this type of policy until you are able to earn regular auto insurance, however.

Another way to maintain auto insurance on your vehicle while your license is suspended is to put the vehicle and the insurance into another person’s name. This won’t work in all situations, but may be a wise choice for some families. For example, if your license is suspended you could put the insurance in your wife’s name, or you could take out the policy in your parent’s name.

If you do choose to buy insurance under someone else’s name, bear in mind that that person will need to be listed on the vehicle’s title as an owner or co-owner of the car in order for coverage to count. Otherwise, there could be complications or coverage interruptions if an accident were to occur.

Once you do obtain car insurance on your vehicle, be sure that you do not violate the terms of your license suspension by driving the car. Doing so may cause you to suffer more severe consequences from the law, and may also lead to your policy being canceled again if your insurance company discovers that you have been driving illegally.

How to reinstate your Driver’s License

In order to reinstate your license, you will need to follow whatever guidelines your state has laid down. Depending on the reason your license was suspended, you may need to fill out paperwork or even take a course. For example, many states require that all DUI convicts go through Alcoholics Anonymous meetings before being able to reinstate the license.

You may also need proof of insurance in order to receive a driver’s license, especially if the license was suspended due to failure to maintain insurance on your vehicle. In order to prove that you do have insurance coverage, you will need to fill out the state’s SR22 form and submit it along with your request to have your license reinstated. If you need to obtain a copy of the SR22 form, you can usually get it from your local agent’s office or download it off the DMV website.

Purchasing car insurance with a suspended driver’s license is not impossible, but it is somewhat challenging. The best way to avoid this challenge is to maintain safe driving habits at all times, never drink and drive, keep active car insurance on all of your vehicles and pay any tickets you receive in a timely manner. Accidents do happen, though, so knowing what your options are in the event of a suspended policy will help you to get back on the road as soon as possible.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption