If your driver’s license has been suspended, you may be wondering if you can still get car insurance. The answer is yes, but it may be more difficult and expensive than if you had a valid license.
Why might your license be suspended?
There are a number of reasons why your driver’s license might be suspended, including:
- Driving under the influence (DUI)
- Driving without insurance
- Accumulating too many traffic tickets
- Failing to pay child support
- Committing a serious crime
Can you get car insurance with a suspended license?
Yes, you can get car insurance with a suspended license, but it may be more difficult and expensive. Some insurance companies may not be willing to insure you at all, while others may charge you higher premiums.
How to get car insurance with a suspended license
If you need car insurance with a suspended license, here are a few tips:
- Shop around for quotes from multiple insurance companies.
- Be prepared to pay higher premiums.
- Consider getting a non-standard insurance policy. Non-standard insurance companies specialize in insuring high-risk drivers, such as those with suspended licenses.
- File an SR-22 if required. SR-22 insurance is a type of policy that is required in some states for drivers with high-risk driving records.
What to expect from your car insurance policy with a suspended license
If you are able to get car insurance with a suspended license, you can expect the following:
- Your coverage will be limited. Most insurance companies will only offer liability coverage to drivers with suspended licenses.
- You will likely be required to pay a high deductible. A deductible is the amount of money you have to pay out of pocket before your insurance will start paying for damages.
- Your rates may increase once your license is reinstated. Once your license is reinstated, your insurance company will likely review your driving record and adjust your rates accordingly.
How to keep your car insurance costs down with a suspended license
There are a few things you can do to keep your car insurance costs down with a suspended license:
- Choose a lower coverage level. As mentioned above, most insurance companies will only offer liability coverage to drivers with suspended licenses. This is the most basic type of coverage, but it is also the cheapest.
- Increase your deductible. A higher deductible will lower your monthly premium. However, keep in mind that you will have to pay more out of pocket if you get into an accident.
- Consider bundling your car insurance with other policies. If you have home insurance or renters insurance, you may be able to get a discount on your car insurance by bundling the two policies together.
1. Can I drive my car with a suspended license if I have insurance?
No, you cannot drive your car with a suspended license, even if you have insurance. Driving with a suspended license is a serious offense and can result in additional fines, penalties, and even jail time.
2. What happens if I get into an accident while my license is suspended?
If you get into an accident while your license is suspended, you will be held liable for any damages, even if you have insurance. Your insurance company may also cancel your policy.
3. How long will my car insurance rates be high after my license is reinstated?
The length of time that your car insurance rates will be high after your license is reinstated will depend on a number of factors, including the reason for your license suspension and your driving record. However, it is likely that your rates will be higher than they were before your license was suspended for at least a few years.
4. Are there any special programs for people with suspended licenses?
Yes, there are a number of special programs available for people with suspended licenses. These programs can help you to get car insurance and get your license reinstated. Some examples of these programs include:
- SR-22 programs: These programs are designed to help drivers with high-risk driving records get car insurance.
- Hardship license programs: These programs allow drivers with suspended licenses to get a restricted license so that they can drive to work, school, or medical appointments.
- Driver improvement programs: These programs can help you to improve your driving skills and reduce your risk of getting into an accident.
5. Where can I learn more about auto insurance with a suspended license?
There are a number of resources available to help you learn more about auto insurance with a suspended license. These resources include:
- Your state’s department of motor vehicles: Your state’s DMV website should have information about the requirements for getting car insurance with a suspended license.
- Your local insurance agent: Your local insurance agent can help you to find an insurance company that is willing to insure you with a suspended license.
- Driver improvement organizations: Driver improvement organizations offer a variety of resources to help drivers improve their driving skills and reduce their risk of getting into an accident.
Getting car insurance with a suspended license can be difficult and expensive, but it is possible. By following the tips above, you can increase your chances of getting approved for a policy and keep your costs down.