How Do I Get Car Insurance With A Suspended License?

Updated 3 days ago
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Getting car insurance with a suspended license isn't easy. Insurance companies don't want to cover somebody who can't legally drive. However, some companies provide SR-22 insurance for drivers without a full license.

Getting insurance with a suspended license

Once your license has been suspended, it's not easy for you to get a reliable auto insurance policy. However, it's still possible to get auto insurance if you're in possession of a restricted license.

This license is available from your state's Department of Motor Vehicles, and it temporarily reinstates some of your driving privileges. It's conditional, allowing you to drive only to certain places, and it makes you eligible for minimum insurance.

However, if you aren't able to get a restricted license, you're then required to get SR-22 (Safety Responsibility) insurance.

What is SR-22 insurance?

Depending on the reason for your license suspension, you may legally be required to get SR-22 insurance. It's generally the case for drivers whose license is suspended because of severe traffic violations, such as a DUI.

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 your state's DMV as your insurance company's way of informing the state that you're maintaining insurance.

This policy typically lasts 3-5 years and covers you until you get your license back.

How much does SR-22 insurance cost?

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 30% after you make a claim for SR-22 insurance. The violation and your insurance provider determine how much your premiums increase.

How do you get SR-22 insurance?

To get SR-22 insurance, apply with your insurance company. Not all insurance companies offer this policy, and if they do, it's costly.

We've found some of the best non-standard insurance companies that do offer SR-22 coverage:

  • Titan
  • The General
  • Acceptance

Looking for a major provider? Allstate offers SR-22 insurance. Contact Allstate to get your easy quote, today!

Why do you need to have car insurance with a suspended license?

Maintaining your state's minimum liability coverage is a law in most states. Owning a vehicle requires you to have it insured at all times. Without coverage, you're subject to fines and car impoundment.

3 things to consider about SR-22 insurance

  • Applying for SR-22 insurance causes your premiums to rise. Look for the right company to protect you while your license is suspended and gather as many quotes as you can.
  • Your SR-22 insurance allows you to keep up with your state's legal auto insurance requirements. However, it's required that you purchase basic liability insurance coverage once your full license is reinstated.
  • The cost of your SR-22 insurance can potentially be very high, depending on which insurance provider you choose.

Get the best SR-22 insurance rates, now!

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