Insurance companies won't cover you if you're not legally able to drive. Getting full car insurance with a suspended license isn't possible, even with a restricted license. However, getting SR-22 insurance is an option that allows you to keep up your legal requirements.
The only way to get insurance is to get a restricted license from your DMV. The license temporarily reinstates some of your driving privileges. It makes you eligible for auto SR-22 (Safety Responsibility) insurance.
SR-22 is a form that your insurance company signs to reinstate driving privileges after your license has been suspended. This form is sent directly to the state's DMV from your insurance company as a way of informing the state that you're still insured.
This policy typically lasts between 3-5 years and covers you until you get your license back.
It costs an average of $25 to file for SR-22 insurance with your state. Keep in mind that your insurance premiums skyrocket an average of 20% after you make a claim for SR-22 insurance.
Allstate provides affordable SR-22 insurance to drivers with a suspended license. Learn more about Allstate, here
Apply for SR-22 coverage with your insurance company. However, not all insurance companies offer this policy, and often times it's costly.
We've found 3 of the best non-standard insurance companies with affordable SR-22 coverage:
Maintaining your state's minimum liability coverage is a law in most states. Legally, you must have insurance on your vehicle. Without this coverage, your car could be impounded. You could face a hefty fine, and possible jail time.
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