Can You Get Car Insurance With a Suspended License?

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You can absolutely get car insurance with a suspended license. Even though you won’t be driving, it’s a good idea to maintain your car insurance during the suspension.
If you need to buy insurance with a suspended license, download the car insurance comparison and broker app Jerry.
Jerry makes your car insurance shopping quick, easy, and stress-free. In just 45 seconds, Jerry will provide you with cheap car insurance quotes from up to 40 top insurance providers—all you need to do is choose your policy!
And to help you with buying car insurance with a suspended license, Jerry has compiled everything you need to know on the topic.
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What is a license suspension?

A license suspension means that your license is temporarily invalidated and must be reinstated before you can legally drive again.
If you have repeat traffic violations or tickets, have gotten into an at-fault accident with no insurance, or have been found driving under the influence, you may be facing a license suspension.

Can you get car insurance with a suspended license?

Yes. And if you have a car, it’s a good idea to maintain insurance coverage—even if you’re not driving it due to a suspended license.
In some cases, you may be able to drive during your suspension. A hardship license allows you to drive only for essential duties—like to and from school or work. If you are granted a hardship license, you will need to maintain car insurance.
Once your suspension is done, you may have to complete additional state-mandated steps to get it back. Paying a fee, completing traffic school, and providing proof of insurance are common requirements.
If proof of insurance is required, you may have to ask your insurance provider to submit an SR-22 form to your local DMV. (If you live in Virginia or Florida, you may need an FR-44 form, which has stricter requirements.) Or you may have to show something like an insurance ID card.
Key Takeaway You can still get insurance while your license is suspended—and you should. But you might be looking at a bit more paperwork.

Submitting an SR-22

An SR-22 form is what your insurance provider submits to the state to prove that you have at least the minimum required car insurance. Obviously, this means you need to have insurance coverage in place.
Your insurance provider may charge you a small fee to file the SR-22. And since insurers consider those with SR-22s riskier to insure, it’s likely that your premiums will increase as well.
Some insurers may refuse to submit an SR-22 because they consider you too high risk to insure. If this is the case, you will need to switch insurance providers before you can get your license reinstated.
The insurance broker app Jerry can help you find an insurance provider to work with your situation—and Jerry will take care of all the calls and paperwork so that your insurance switch is as easy as possible.
Key Takeaway An SR-22 proves to the state that you have insurance coverage—but it also classifies you as a riskier driver, so your insurer may up your rates.
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How to buy new car insurance when your license is suspended

If your license has recently been suspended and you’re looking to purchase new auto insurance, look no further than Jerry. Jerry is a car insurance comparison app that does all the hard work for you. Jerry shops policies that fit your coverage needs and brings you insurance quotes from over 40 name-brand providers.
Jerry handles all the calls and paperwork for your new policy—and it’s 100% free to use.
If you already have auto insurance, Jerry can still help. The average customer saves over $800 per year when switching with Jerry!
Take it from one of our customers:
“I’ve used Jerry twice now, and the service is absolutely phenomenal. I always get the best deals, and everyone I have talked to at Jerry has been wonderful. I highly recommend using their app whether you are going for insurance for a new car or renewing for an existing car. These guys are great!” —Jerry user

FAQs

How long does a suspension affect insurance?

If your state requires you to file an SR-22 form with your insurance, you may be looking at higher premiums for 1–3 years. But if you keep up with your insurance payments and maintain a pristine driving record, the SR-22 will only be temporary.

Do car insurance companies check your driver’s license?

Insurance companies often check your license to verify your driving record. If you have a history of at-fault accidents or tickets, an insurance provider may consider you a high-risk driver and charge you a higher premium.
No matter what, Jerry can help you find the cheapest insurance policies with the best coverage. With Jerry, you’ll never have to worry about whether or not you’re getting the best deals on car insurance.

Do I need insurance if my license is suspended?

Yes. It’s always a good idea to maintain insurance during a license suspension. The car insurance broker app Jerry can help you get set up quickly with a new insurance policy—and it’s 100% free to use!
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