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Can I Get Car Insurance with a Suspended License?

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Mar 13, 2020

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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.

In fact, depending on which state you live in, you may have had your license suspended for not having car insurance in the first place.

Obviously this can become a big problem if you’re unable to obtain car insurance coverage while 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.

Also, the state in which you reside may not allow insurers to offer coverage to drivers with a suspended license.

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.

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.

If you do not maintain your coverage and the SR22, your license will be automatically suspended again. If you are caught driving 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.

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