How does a suspended license affect insurance?

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Things to remember...

  • If you have a suspended license, you should make it a priority to get your license back
  • In the meantime, you should try to obtain a hardship license so that you can drive to the necessary places that are essential to your survival
  • Look for high-risk insurance while you are on a hardship license
  • You must have insurance to stay within the law and avoid further problems

If you are looking for car insurance, you know that it is sometimes difficult to find the best deal. You have to consider some factors when you are shopping for insurance and compare some companies and policies to find the best insurance.

The best way to find which company will offer you the best rates is to use a quote comparison tool. Enter your zip code above to compare today.

Many factors affect your car insurance cost. Your driving record is one of the most important factors in determining your insurance rates. Other factors will affect your rates like:

  • your age
  • your credit rating
  • your marital status

But what about someone who has a suspended license?

Reasons for License Suspension


There are many reasons that you may end up with a suspended license. Various incidents such as getting one too many speeding tickets, a DUI, or just accumulating too many points on your driver’s license can all add up to a license suspension.

A judge can suspend your license, or it may happen automatically in some states where you have accumulated too many points.

Your insurance company would have a record of how many points are on your driving record at any time so you could check with them if you have an insurance company.

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Proof of Insurance

Ironically, one of the things that can prohibit you from getting car insurance is one of the things that can cause your license suspension.

Failure to show proof of insurance is a misdemeanor crime and can carry stiff fines, penalties, and loss of driving privileges. The penalty depends upon the statutes in your state of residence so be sure to know the law in your state regarding proof of insurance statutes.

Suspended License vs. Revoked License


For those who have had their license suspended, it is important to understand that a license suspension is just a temporary thing.

A suspended license means that your driving privileges have been temporary put out of service until such time that you can pay the fees and show evidence that you will obey the traffic laws.

Often this suspension is imposed as a three- to a six-month sentence by the courts. After this time, you can usually return to driving as normal.

If you have a revoked license, it means that you have permanently lost your driving privileges under your current driver’s license. You may not renew that driver’s license for any reason from that point on.

If you want to be reinstated as a driver, you have to go through the process of getting a new license and retaking the driver’s exam in your state all over again. Your old license can never be used again.

Reasons for a Suspended License

It’s important to know some of the reasons for a suspended license so that you can avoid it if this has not yet happened to you.

  • Driving under the influence (DUI)
  • Unpaid traffic tickets or driving record points
  • Reckless driving charges
  • Lapse in auto insurance

Most of the time, you will not be able to get insurance if you have a suspended license. Your state insurance regulations require that you have a valid driver’s license and care registration to get auto insurance coverage.

But some situations allow you to obtain insurance even with a suspended license. Below are some of the most common ones.

  • Driving with a hardship or restricted license – If you have extenuating circumstances that require you to drive a limited distance, (such as caring for an aging parent or similar situation), you may be able to get a temporary permit to handle these situations.
  • Driving to and from work or school – If you must drive back and forth from work or school and this is a matter of your livelihood or important to your well-being or future income, the court may allow you this exception to a license suspension.
  • Medical appointments – If you have medical appointments or someone else in your household has necessary medical appointments, you may be allowed to use your car for this purpose.

How to Get Insurance with a Suspended License


If you can get a permit for driving in these special circumstances even when your licensed has been suspended, you will be able to use this as an opportunity to obtain insurance.

Since the court has granted you permission to drive in these instances and it is against the law to drive without insurance, you can get insurance in these cases.

Check with your current insurance provider to see if they offer coverage with a “hardship license.” If they do not, you will want to look elsewhere for coverage that will allow for this situation.

Driving without insurance is simply not an option.

If you are caught driving without insurance on a suspended license, it is possible you could have your license permanently revoked.

One of the options you have if you are under a hardship license is to get high-risk insurance. If you have a hardship license, you are considered a high-risk driver. So you can qualify for high-risk insurance in this case.

Look for High-Risk Insurance Policies

If you have a temporary hardship license, your goal should be to get your regular license back. That way, you do not have the restrictions placed on you with the temporary license.

In the meantime, make sure that you follow all traffic laws and regulations including having sufficient insurance to cover the time that you drive under these limited conditions.

The last thing you need is to receive yet another citation for failure to provide and keep proof of insurance for your vehicle which could lead to permanent suspension of your license.

While you are working on getting your standard license back, you should shop around and compare policies and see what will work best for you with your current license. Comparing high-risk policies for a hardship license will give you a starting place when you look for insurance.

Explain the situation to a representative, and they can find a suitable policy for your needs until you get your normal license back.

Enter your zip code below to begin comparing car insurance quotes. You might be surprised by how much you could save.

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