Is it possible to find cheap auto insurance for suspended drivers?

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Things to Remember...
  • It can be challenging to find cheap auto insurance for suspended drivers, but people don’t have to resign themselves to paying the highest prices that some auto insurance companies will charge them
  • If drivers don’t like the idea of purchasing the auto insurance their states’ require of them, they may be able to prove financial responsibility in other state-approved ways
  • Shoppers who make a car insurance comparison will be able to choose the insurance companies that offer them the best quotes for the insurance they are required to purchase


It can be challenging to find cheap auto insurance for suspended drivers, but people don’t have to resign themselves to paying the highest prices that some auto insurance companies will charge them.

Therefore, people with suspended licenses don’t have to risk driving without auto insurance.

Compare auto insurance rates now by entering your ZIP code into our FREE auto insurance quote comparison tool!

Driving Without Auto Insurance

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Not every state requires that their drivers purchase auto insurance. This doesn’t mean that they don’t have to take financial responsibility if they cause injury to someone and/or damage their property.

In tort states, drivers who have been found liable for injuries and damages need to pay the bills for medical care and the repairs.

In no-fault states, drivers will pay for their own bodily injury medical bills, but most states do not have a completely no-fault system.

They can purchase Personal Injury Protection (PIP) insurance for their own bodily injuries, but property damages fall under the tort system.

If drivers don’t like the idea of purchasing the auto insurance their states’ require of them, they may be able to prove financial responsibility in other state-approved ways.

This can require that people make a large deposit, and not everyone is prepared to do this.

Refusing to Purchase Auto Insurance

When drivers refuse to purchase liability insurance or prepare to take financial responsibility in other ways, they will have their licenses suspended in most cases.

Sometimes, drivers purchase auto insurance but it becomes burdensome to them and they let the policies lapse.

Both of these actions cause auto insurance companies to charge high rates to these people after they have been caught driving without insurance.

Suspended Drivers Are High Risks

People who drive without insurance are high risks for auto insurance companies for at least two reasons:

  • They are taking the risk that they will be stopped by law enforcement and discovered to have broken the state’s laws
  • They are also risking causing an accident for which they won’t be able to take financial responsibility

Even though a lot of auto insurance companies will either deny a policy for those who have suspended licenses or charge the highest rates, other auto insurance companies have the capability to offer these people cheaper auto insurance.

They are aware that these drivers have had difficulties in the past, and they are prepared to take these people as clients.

How to Find Cheap Auto Insurance for Suspended Drivers

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Finding these cheap auto insurance companies is a simple matter of going to this website’s comparison feature and receiving several quotes.

Just enter your ZIP code into our FREE car insurance comparison tool to see what you could save!

The feature will seek the auto insurance companies that have policies for suspended drivers, and they will send them these quotes right away.

Shoppers who make a car insurance comparison will be able to choose the insurance companies that offer them the best quotes for the insurance they are required to purchase.

DUI Arrests

Another common reason that people have their licenses suspended is after they have been arrested for driving under the influence (DUI).

Their current auto insurance companies discover the DUI arrests, and they are required to raise these clients’ rates because they have just become a much higher risk for them.

In some cases, the auto insurance company isn’t equipped to offer auto insurance for people arrested for DUI, and they cancel these people’s policies.

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Provisional Drivers’ Licenses

After a suspension due to a DUI, some people regain their driving privileges on a provisional basis. Their driving will be restricted, but they will be able to drive to work and home or any other essential places.

The times that they may drive will be limited, and they won’t be able to drive anywhere for pleasure.

People must not drive without auto insurance, especially after they have received a DUI and they need to obtain a provisional license.

Once they receive their cancellation letters, they must purchase DUI insurance from an auto insurance company that sells this type of policy. What these people find very often is that DUI auto insurance policies are highly expensive.

Determining the Risk Level

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Deciding how much of a risk people are for an auto insurance company depends, in part, on:

  • How likely the person is to cause an accident
  • Whether or not the driver is in the habit of taking very big risks

Those who have a DUI on their driving records have demonstrated to everyone that they are highly likely to cause an accident. A high number of the fatalities caused

A high number of the fatalities caused during car collisions have involved a driver with a blood alcohol content (BAC) of at least .08 percent.

It is common knowledge that drinking alters people’s perception and reduces their abilities to operate machinery, such as a car, to the best of their abilities.

Because people arrested for DUI have shown that they are willing to take the chance that they may injure others so seriously they may cause their deaths, they have proven to auto insurance companies that they are incredible risk-takers, and their insurance rates will be very high.

Cheap Auto Insurance for DUIs

Some auto insurance companies understand that people can have a lapse in judgment, and they are willing to sell DUI auto insurance policies to help these people comply with the laws so they can reduce their license suspensions.

The comparison feature on this website will also help these people find cheap auto insurance companies that have policies for people with DUI arrests and suspensions.

The Advantage of Comparing Quotes

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By comparing quotes, suspended drivers can find the cheap auto insurance they are looking for without having to call insurance company after insurance company.

Make a FREE auto insurance comparison now by entering your ZIP code! It takes very little time for insurance companies to evaluate suspended drivers’ needs and quote cheap auto insurance prices.

They will be able to quickly purchase their policies and receive their provisional drivers’ licenses in the fastest manner possible.

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