Can you get car insurance with a suspended license?

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Here's what you need to know...
  • There are a number of reasons that the DMV can suspend your license
  • If you have received a notice saying that your license has been suspended, it’s important to notify your insurer immediately
  • If you’re insured through a preferred carrier, the company may set your policy for cancellation once they find out your license is suspended
  • If you currently don’t have an existing policy, it will be difficult to find a standard insurer who will cover you
  • If you don’t own a vehicle and you need insurance to get your license back, you can apply for an SR-22 nonowner’s car insurance policy and get the liability coverage that you need to satisfy reinstatement requirements

You must have a valid license to operate a motor vehicle in any state. You may not be able to drive a car with a suspended license, but you’re still legally able to own one.

Since having a valid license is on the list of criteria that you must meet to qualify for standard insurance, finding a policy after your driving privilege has been put on hold can be difficult.

It’s difficult to get insurance with a suspended license, but that doesn’t mean that it’s impossible.

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When will the DMV suspend someone’s license?

 

Driving is a privilege. If you don’t earn the privilege to drive and then follow the rules, you’re not responsible enough to operate a motor vehicle.

There’s only one way to earn your license, but there are several ways that you can lose it.

Some of the common reasons that for license suspensions include:

  • Driving under the influence conviction
  • Failure to comply with child support orders
  • Failure to maintain required insurance
  • Failure to appear in court for a moving violation summons
  • Presenting fraudulent documentation for driver’s license or registration
  • Altered use of a driver’s license
  • Conviction of multiple moving violations within a short period of time
  • Failure to pay fines or surcharges as ordered by the court
  • Drug-related offenses
  • Fleeing from the scene of an accident
  • Use of fictitious plates or stickers

What happens to your auto insurance when your license is suspended?

Insurance companies can’t cancel your policy for any reason. All carriers are required by law to have an acceptable reason to cancel your insurance after the policy has already been issued.

While there are very few reasons that a cancellation can be processed mid-term, one of the most common is when a driver on the policy has a suspended license.

Most insurance companies don’t actually run your Motor Vehicle Report until your policy is up for renewal. The underwriter won’t reassess risk until the report comes back, but that doesn’t mean that hiding your suspension is the answer.

Auto insurance companies expect you to notify them when your licensing status changes.

If you choose not to, the company has the right to deny claims that you present.

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Can you keep your insurance with a suspended license?

Since you can technically own a car without a license, it makes sense that some companies are willing to work with your while your license is in a suspended state. After all, the company wants to keep you as a client as long as you’re a reasonable risk to insure.

Don’t overlook the importance of trying to stop the termination of your coverage.

If you would like to keep your insurance, you can try to work with the carrier to prevent a cancellation. Ask the carrier if you can be excluded as a driver so that they aren’t on the line for claims if you chose to drive without a license.

If you have a partner, friend, or family member that you can list as a driver, this might work.

Applying for Insurance with a Suspended License

 

If your license has been suspended for failing to maintain insurance, getting a standard policy with a suspended license might not be so easy.

Since you have to meet eligibility requirements to secure insurance, you don’t have a chance with preferred providers. Some substandard insurers who charge high-risk rates may still insure your car.

It’s easy to have your license suspended but getting it back can be a tedious process. To earn your privilege back, you need insurance, but to get insurance, you need a license.

To get around this, you’ll need to buy high-risk insurance and add a driver who can legally drive your car to the policy.

You also have to request an SR-22 so that you can file it with the state.

Can you buy auto insurance with no vehicle?

If your license was suspended for a DUI, you may need to file an SR-22 to reinstate your license. It is difficult when you don’t own a car, but not impossible.

Specialty high-risk carriers offer nonowner’s insurance with lenient requirements just for people who need SR-22s. The premiums are higher than average, but you will be able to comply with the law.

No matter how difficult it is to get insurance, you should never decide to go uninsured. If you own a car, failing to keep insurance on it because your license is suspended can land you in even more trouble.

If you don’t have a policy, make sure to compare rates with some of the best companies in the state.

The quickest way to shop the market is to use an online quote comparison tool that will give you instant personal quotes.

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