Can I Get Auto Insurance with a Suspended Licence?

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Mar 13, 2020

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There are many reasons that you can have your driving license suspended. It might be due to a DUI offence (driving under the influence), it might be because you were talking on the phone, or if might be due to an unpaid ticket. The reasons are many and varied and they can depend on the laws in your specific state as well.

But regardless of the reason for your suspension, you may find that you still wish to take out car insurance. In that case, what are your options? Is it even possible? And how much is it likely to affect your premiums?

Feasibility

The first question to ask here is whether it is possible to take out car insurance on a suspended license. This is rather important, seeing as it will render the rest of this text rather redundant if you cannot!suspended license

With that in mind, yes it is possible to get insurance with a suspended license in the majority of states. The law does vary slightly around the country however, so if you’re unsure and you want to confirm one way or the other, then try calling your local DMV to find out. They will let you know whether it is permitted in your state and they will be able to tell you about your case in particular.

But just because it is legal, that doesn’t necessarily mean it will be easy. The next part is at the discretion of your insurance company but before we get to that, you might want to know why you would take out auto insurance for your car in the first place when you can’t drive it.

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Why You Need Insurance

There are actually a number of reasons but perhaps the biggest one is that some people will want to protect their no-claims bonus and help to keep their premiums lower when they return to driving.

Another reason that you might need to get insurance still, is if the suspension is only applicable to certain conditions. For example, it is actually quite common for a car insurance suspension to only apply to your commute to work. In other cases, the suspension might be for everything except your commute to and from work. In other cases, you may be allowed to drive to and from work as long as there is someone else in the car.

Finding an Insurer

Once you have determined that you need car insurance and you have found out whether or not you are allowed to drive in your state, the next thing you need to do is to find a car insurance company willing to provide you with that cover. This is what we call ‘the hard part’.

Car insurance companies of course offer insurance based on the likelihood that they’ll be able to earn money from you. That means that they are ideally looking for people who will be unlikely to have an accident, meaning they’ll pay lots of money in and never request to get any money out!

If you have had a car accident or if you have been convicted of a driving offense, then this makes you statistically more likely to have further accidents in future. In turn, this makes you more of a risk for the insurance company and means that they are likely to charge you more for your insurance. And some will be concerned and won’t offer insurance at all. Your options go down then and your premiums go up.

But if you keep looking, you should be able to find a deal you’re happy with. The thing to keep in mind is that many will have stipulations that you will be required to fulfil. For example, some will require you to prove that you are working to have your suspension lifted, or they might want a guarantee that your license will be reinstated by a specific period.

How Will This Affect My Premiums?

Of course, this is going to affect your premiums and in the vast majority of cases, you will be looking at paying significantly more for your car insurance. Again, you are presenting more of a risk to the company and this is their way to protect themselves.

However, if you shop around then you can find other ways to get your insurance for less. For example, you might be able to reduce your costs with some insurers by taking course and proficiency tests on top of your driving license. Likewise, a no-claims discount, or falling into the right demographic can all help you to reduce your costs.

Again, it is a matter of shopping around to look for different premiums.

If you are taking out car insurance in order to protect your no-claims, then you need to compare the value of this to other options. For example, many companies will allow you to pay a small fee in order to protect your no-claims for a certain period. In most cases, a no-claims discount will be valid for over a year between policies.

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Getting Started

The only way to know for sure though? To head out there and start looking for insurance! Shop around with different providers, try entering different details and generally see what you can find. The best way to get your car insurance for less, no matter your circumstances, is to use price comparison sites. This way, you can enter your details and circumstances and then compare the rates across lots of different insurance companies.

Then try tweaking your details. You might find that you can get better rates by adding a named driver for example. While you might still pay more than you would without the suspended license, you can at least try to spend as little as possible.

And once the license is restored, just make sure that you drive as carefully as possible. Over the years, your costs will slowly go down and eventually you’ll be able to get the most affordable rates again. Where there is a will, there is a way!

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