Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Aug 25, 2021

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Insurance Q&A: “Can I get car insurance with a suspended license?”

There are a number of reasons why your driver’s license may become suspended. Reckless driving, disobeying traffic laws, unpaid traffic tickets – all of these can end up leading to suspensions.

In fact, depending on which state you live in, you may have had your license suspended for not having your vehicle insured in the first place. There are many states that require proof of insurance at the time of an incident, and if you don’t have proper coverage, you might be facing a license suspension.

Obviously this can become a big problem if you’re unable to obtain coverage for your vehicle while your license is suspended.

And though it’s possible to get insurance with a suspended license (non-standard auto insurers), it’s not something many insurers are willing to do. Most companies want to work with you before something goes awry, not after the fact.

Also, the state in which you reside may not allow insurers to offer coverage during suspensions, which means that a driver looking to take out a policy on their vehicle would end up having to wait until after their license suspension ended.

However it’s not all bleak. Insurers that do offer coverage to drivers with a suspended license will typically allow a “grace period,” which can range from 15 to 45 days, for you to obtain your license and driving privileges. After all, they understand you need time to get reinstated.

But what if you don’t get your license reinstated?

If you purchase car insurance and do not get your license reinstated within the grace period, the insurance company will simply cancel your policy and you’ll be back to square one. That’s why it is very important to be able to show proof of reinstatement to the insurance company.

In some states, if you are caught driving without insurance, your license will be suspended until you find coverage and obtain an SR22 filing. Fraud isn’t something that is taken lightly in any case, and is a main reason why many providers are hesitant to offer service to a person after anything major has happened to their vehicle or their license.

The SR22 is not a type of insurance, but rather a document filed with your state department of insurance, demonstrating you carry at least state mandatory minimum car insurance coverage. Carry this and your proof of insurance with you at all times, though with a suspended license it hopefully won’t be behind the wheel.

If you do not maintain your coverage and the SR22, your license will be automatically suspended again. If you are caught driving your vehicle in this situation, you may lose your license for an indefinite period of time.

If you do not have car insurance or have a suspended license, contact an independent insurance agent or shop for insurance quotes online. It’s better to be safe than sorry.