It's possible to get car insurance with a suspended license, but the process can be more difficult. Depending on the reason for the suspension, some insurers may not offer you coverage, especially if your driving record indicates that you're more prone to risky behavior or accidents. Your new insurer may also have to file an SR-22, a form that some states require to prove that you have insurance (some states require a similar form known as FR-4). If your driver's license or privilege is suspended or revoked, the DMV will send a notification (called an “order”) to the address we have on file.
Be sure to follow the order instructions. Even if your license is revoked, you must meet your state's minimum insurance requirements if your car is labeled. If your insurance company receives notice of the license suspension, the company can issue a notice of cancellation or non-renewal of the insurance policy, even if it is not close to the renewal period. There are several ways to get cheap car insurance after an accident and for drivers with a suspended or revoked license.
The insurance company may also offer an exclusion offer, which will allow the insurance policy to remain active, but will require the policyholder to sign a form that excludes them from coverage. If you can't find an insurance company that's willing to cover you, you can ask a family member to insure the car as an authorized driver or apply for a restricted driver's license. If your coverage expires, insurance companies may consider you high-risk when looking for cheap car insurance quotes, which can affect your rates. Not all standard auto insurance companies offer coverage to drivers with a suspended or revoked license.
If both standard and non-standard insurance companies deny you coverage, you can also get a car insurance quote through state insurance groups. If your car labels aren't expired, you have a legal obligation to secure them, even if your license is suspended or revoked. If you don't, you could face fines, jail time, and higher auto insurance costs in the future. There are also non-standard auto insurance companies that offer high-risk insurance at lower rates than standard companies.
Before your license can be reinstated, you'll often have to complete certain steps, such as paying outstanding fines, completing a defensive driving course, and presenting proof of car insurance. If your problem isn't the suspension of your license, but the fact that you don't have a license, MoneyGeek also has recommendations on where to get unlicensed car insurance. If the car is involved in an accident or is damaged by the weather, there is no coverage without an active auto insurance policy. You can choose to eliminate optional coverages, such as comprehensive auto insurance coverage and car collision coverage, but if you leased or financed your vehicle, your lender will likely continue to require that you have these specific coverages to protect your investment.
In many cases, you shouldn't have much difficulty finding car insurance after your license has been suspended or if your license has been reinstated, but it can be more difficult if you are required to file an SR-22, since many insurance companies don't offer to file the SR-22.