Teenage Auto Insurance During a License Suspension

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Things to Remember...
  • The biggest difference between a teenager having a driver’s license suspended and an adult is that there are usually more people affected by it, especially if the teen driver is on his or her parents’ insurance policy
  • According to the Centers for Disease Control and Prevention, teenage drivers who fall between 16 and 19 years of age have a chance of crashing four times more than older drivers
  • In certain circumstances, you may be able to take a course in driver’s education in order to get your license back
  • If your auto insurance drops your coverage, you can look for nonstandard/high risk auto insurance
  • If you cannot find a nonstandard company to insure you, the only other option you may have is to go through the government


Having your license suspended is a big deal, especially if you are a teenager, and it will definitely affect your auto insurance.

The biggest difference between a teenager having a driver’s license suspended and an adult is that there are usually more people affected by it, especially if the teen driver is on his or her parents’ insurance policy.

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Oftentimes insurance companies will cancel your insurance if you have your license suspended, but that may depend on the reason it was taken away.

If you are a parent and your teen’s license was suspended there are some things that you can do to protect your rates from skyrocketing.

Teenage Drivers and Risk

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Auto insurance companies quote insurance rates based largely off how high of a risk the driver is.

According to the Centers for Disease Control and Prevention, teenage drivers who fall between 16 and 19 years of age have a chance of crashing four times more than older drivers.

Going off these statistics along with the lack of credit or driving history, the car insurance rates for teens can be astronomical. It also means that they have a greater chance of getting their licenses suspended.

Reasons for License Suspension

Whether you are a teen driver or an adult, there are multitudes of reasons why a driver’s license may be suspended. The reason for the suspension can affect whether or not you are able to get insurance coverage as well as the type of coverage in which you are eligible.

You may get your license suspended if you have been charged with reckless driving. This could be a onetime offense if it was serious or it may take a series of driving violations before the suspension occurs.

A build up of points on your driving record or a high number of traffic tickets that have not been paid can cause a license suspension as well.

According to the Insurance Information Institute, you are required to carry some type of auto insurance in almost every state. Even if your state does not require specific insurance, you need to be able to prove that you are financially responsible in the event of a crash.

Because of the state laws, if you are caught driving and you do not have auto insurance your license will be automatically suspended in most cases.It will remain in suspension until you can show proof of insurance again.

If you are convicted of driving under the influence of alcohol or other drugs your license will be suspended.

This is usually also the case if you refuse to take a test for DUI such as a breathalyzer.

Obtaining Auto Insurance with a Suspended License

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If you have had your license suspended, there is a good chance that you will be dropped from your current insurance provider and will be unable to obtain car insurance from a different provider.

This is usually because it is against the law to drive while carrying a suspended license. Some insurance providers will be willing and able to make some exceptions, especially if it wasn’t suspended for a very serious reason.

As a teenager, you may need to be able to drive to a job or to school, especially if you are in a situation in which no one can help you out and you are not close to public transportation.

In this case, you may be able to contact your state’s department of transportation or motor vehicle commission and request a hardship license.

A driver’s license for hardship is a restrictive license that lets you drive to and from work and/or school, but nowhere else.

The requirements for receiving a hardship license may vary from state to state. You will have to provide information proving you are employed or a student and that public transportation is not available.

If you are approved for a hardship license, you will need to have written proof from either the department of transportation or the motor vehicle commissions. It may cost extra money to receive this license.

A hardship license will help make it easier to find an insurance provider to insure you. Make sure to contact at least three different auto insurance companies before you choose one.

Auto Insurance for Teenage Parents

If you have a teenage driver on your insurance policy and his or her license is suspended, you will be punished as well.

Insurance companies will do background checks on all drivers of a policy, sometimes randomly and often before your renewal. Your teenager’s license suspension will show up at this time. It also may show up if there is a claim that is being investigated.

Once your insurance company sees this, a couple of things may happen. One is that the premium of your policy will increase substantially to cover the higher risk driver.

The other option is that your coverage will be canceled. Neither of these are options that you want to have to deal with.

Fortunately, there is a way to not have your teen’s trouble affect your car insurance. This can happen by putting an exclusion endorsement on your policy. This endorsement basically takes your teenager off your policy.

With an exclusion, if your son or daughter does drive one of your cars and is in an accident, they will not be covered. This will not only prevent your insurance premium from increasing, but it will also probably cause your rate to decrease since you are taking off a high-risk driver from your policy.

You can take your teen off the exclusion at any time, especially once he or she gets his license back.

 At that point, the insurance company does not have to insure your teen if it feels like they are too high of a risk.

If this is the case, your teenager will have to find his or her own insurance from a different provider.

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Getting Your License Reinstated

There are a few ways that you can get your driver’s license reinstated after a suspension. It depends on why it was suspended in the first place.

If it was suspended due to multiple traffic violations and excessive points on your driving record, it may just take a certain amount of time for your record to be cleared.

In certain circumstances, you may be able to take a course in driver’s education in order to get your license back. In some states and situations, all it takes is to pay a fine. This can usually be done quickly and online.

Another way is to file an SR 22 . This is known as SR 22 insurance or an SR 22 bond. An SR 22 isn’t a specific type of insurance. It is proof that you are carrying some type of car insurance.

Most DUI convictions require you to carry SR 22 for a specified period, depending on the state you reside in.

If your license was suspended due to being caught without  auto insurance, ask your insurance provider for an SR 22 once you get coverage.

Once you obtain this, your agent should send this proof to your state’s motor vehicle commission. Once this is received, you should have your license reinstated.

Auto Insurance for Teenagers

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Even once your license is reinstated, you may find it difficult to find an insurance company to insure you. This is especially true for teenagers because they are already considered high-risk drivers and having a suspended license makes them even riskier to insure.

If your parents are willing to put you back on their insurance policy and their company allows it, this would be the best way to go. Even though your parents’ policy will be more expensive, it will be less expensive than you getting a policy on your own.

In some cases, however, the only way for you to get insurance coverage is to get your own. In this case, you may need to go with an insurance provider that deals with high-risk drivers.

Because insurance is a requirement for all drivers, you will eventually find a carrier to insure you but it may take some looking.

The insurance companies that specialize in drivers that may not be insurable under regular policies are known as nonstandard insurance companies. They will often take the chance to insure risky drivers.

The consequence is that you will pay through the nose for the coverage. Sometimes this may be one of your only options, however, so it is best to pay for it until your history has cleared some and you are able to go with standard companies again.

If you cannot find a nonstandard company to insure you, the only other option you may have is to go through the government. Due to insurance regulations, each state offers car insurance, even to high-risk drivers.

This is usually through an assigned risk plan. To find out what is offered in your state, visit the National Association of Insurance Commissioners.

One of the downfalls of using an assigned risk plan is that it is often very basic insurance meant to cover the state’s minimum requirements.

This means you will be paying a lot for very little, but you may have to go this route for a certain period of time.

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