Compare Best Car Insurance Companies That Accept a Suspended License [2023]
Car insurance companies that accept a suspended license include The General and Acceptance, but most insurers won’t offer coverage to drivers with a suspended license. Some drivers may qualify for a restricted license to drive to work and other stated places. Auto insurance companies that accept a suspended license will charge much higher rates than a traditional insurance company.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Sep 23, 2023
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UPDATED: Sep 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- It can be hard to find car insurance companies that insure drivers with a suspended license
- Car insurance rates for high-risk drivers are extremely expensive
- If you already have insurance you should keep your coverage in place to avoid higher rates after the suspension
Finding the best auto insurance companies that offer car insurance if your driver’s license is suspended can be hard.
Most top car insurance companies won’t want to take on a risky driver but will let you keep coverage if you are already insured.
Car insurance companies that accept a suspended license have much higher rates. But not every auto insurance company will see your driving record the same. We’ll help you find affordable car insurance companies that accept a suspended license with the tips below.
Enter your ZIP code now to compare free quotes from car insurance companies that accept a suspended license near you.
What are some car insurance companies that accept a suspended license?
A driver’s license suspension can happen for a variety of reasons, such as reckless driving, DUI, or excessive accidents or tickets.
Not very many car insurance companies will offer you a new policy if you have a suspended license. However, some specific companies do help drivers looking for non-standard insurance.
What insurance companies will insure a suspended license?
The General and Acceptance are just two car insurance companies that offer coverage to high-risk drivers. Many other smaller companies may cover you as well.
If you already have car insurance, you may be able to work with your company to keep your coverage through the suspension.
Car insurance rates after a suspended license will be costly. One of the most important factors that affect your rates is your driving record.
Drivers with accidents, tickets, DUIs, or other bad driving behaviors are high-risk. High-risk drivers pay much higher rates because there is a greater chance the car insurance company will have to pay a claim.
This table shows the average car insurance rates for drivers with a suspended license. Rates can increase by more than half with a suspended license, depending on the company.
How a Suspended License Impacts Monthly Car Insurance Rates by Provider
Insurance Company | Before Suspension | After Suspension | Percentage Increase | Rate Increase |
---|---|---|---|---|
Allstate | $157 | $212 | 26% | $55 |
American Family | $117 | $212 | 45% | $95 |
Farmers | $127 | $231 | 45% | $104 |
Geico | $106 | $185 | 42% | $78 |
Liberty Mutual | $137 | $210 | 35% | $72 |
Nationwide | $112 | $253 | 56% | $141 |
Progressive | $134 | $199 | 33% | $65 |
State Farm | $109 | $158 | 31% | $49 |
Travelers | $107 | $171 | 38% | $64 |
USAA | $79 | $136 | 42% | $57 |
USAA car insurance is generally the cheapest coverage out there but isn’t the cheapest for a suspended drivers license.
Coverage from Allstate, State Farm, and Progressive for a suspended license has the smallest increase among the top companies.
Your car insurance company may also be required to file an SR-22 form with your state. This form proves that you have the minimum amount of car insurance needed.
Your state will require you to carry SR-22 insurance for a certain amount of time.
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Can insurance companies see if your license is suspended?
Your driving record is extremely important when it comes to your car insurance rates. Insurance companies look at your driving history to determine if you are too risky to insure.
Do car insurance companies run your license?
Typically, your car insurance company only checks your driving record when your policy is up for renewal. That doesn’t mean you should keep your suspended license a secret.
If you aren’t upfront with your car insurance company, it is less likely to work with you through a suspended license.
Your auto insurance company will find out about your suspended driver’s license anyway. Let the company know as soon as the suspension happens and work together to come up with a plan to keep you insured.
Should you keep car insurance while your license is suspended?
If you can’t legally drive, do you even need to keep car insurance? Yes, it’s essential to keep current car insurance for many reasons.
According to the Insurance Information Institute, driving without insurance can lead to fines, an impounded vehicle, and even jail time. Your driver’s license can also be suspended longer or revoked if you drive without car insurance.
When it comes time to get your license reinstated, you have to show proof of insurance. While you don’t need car insurance to buy or register a car, you will need it to get your license.
Gaps in coverage can cost you money. When your driver’s license is valid again, you will need car insurance. Insurance companies charge higher rates if you haven’t had continuous coverage.
Your car loan company may also require that you keep coverage. You have to carry a certain amount of car insurance if you lease your car or have a loan.
You may qualify for a restricted license that lets you drive for specific reasons like work or going to a doctor. If you can get a restricted license, you must have car insurance in place.
Consider changing your coverage if you want to save money on car insurance during a suspension.
You have to keep liability coverage since most states require it, but you could drop your collision coverage. It’s a good idea to keep your comprehensive insurance since it covers damages not related to an accident, such as fires, theft, or vandalism.
How can you find car insurance companies that accept a suspended license?
Car insurance companies that don’t accept a suspended license only offer standard coverage. However, you can still find the best car insurance for suspended licenses if you do some research.
Even if you have a suspended driver’s license, you still need to keep insurance. A lapse in car insurance coverage will increase your rates even more and make it much harder to get coverage again.
Shop around to find cheap car insurance for a suspended license. Compare rates from car insurance companies that accept a suspended license to find the best deal for you.
Enter your ZIP code now to compare quotes from auto insurance companies that accept a suspended license for free in your area.
Frequently Asked Questions
What car insurance companies accept a suspended license?
The General and Acceptance are car insurance companies that may provide coverage for drivers with a suspended license.
How much will car insurance cost with a suspended license?
Car insurance rates increase significantly with a suspended license, often by more than half.
Do insurance companies know if your license is suspended?
Yes, insurance companies can access your driving record, including information about license suspensions.
Should you keep car insurance while your license is suspended?
Yes, it’s important to maintain car insurance even with a suspended license to avoid legal consequences and ensure coverage when your license is reinstated
How can you find car insurance companies that accept a suspended license?
Research and compare quotes from different insurance companies to find affordable options that provide coverage for drivers with a suspended license.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.