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Suspended License Car Insurance

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Sep 3, 2021

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Key Takeaways

  • Suspended license car insurance is hard to find but not impossible
  • Most insurance companies will not give a driver with a suspended license a new policy
  • Suspended license car insurance rates tend to be very high

If your driver’s license has been revoked, finding suspended license car insurance can be difficult. Most of the time, you lose your license because of a violation. This makes insuring you a higher risk which can make it hard to find affordable car insurance coverage.

Cheap car insurance can be hard to find. However, once your license is suspended, it could have you wondering, “Where can I get insurance without a license?” Your best bet may be to stick with your current insurance company. However, in some instances, they may drop you.

To compare affordable suspended license car insurance quotes, enter your ZIP code here.

What is the cheapest suspended license car insurance company?

While you will find a variety of companies that will offer coverage to those with a suspended license, the likelihood of it being cheap isn’t great. You need to start by figuring out how to check if your license is suspended and how long it is suspended.

All insurance companies will need this information before starting a quote for you. They will consider a variety of factors before supplying you with a quote.

Here’s a look at what monthly premiums look like before and after a license suspension:

Average Monthly Costs of Car Insurance Before and After a License Suspension
CompanyCost With No ViolationsCost After License Suspension
Allstate$157$211
Farmers$127$231
GEICO$106$184
Liberty Mutual$137$209
Nationwide$112$252
Progressive$133$198
State Farm$109$158
USAA$79$136
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As you can see, suspended license car insurance can be pretty costly. However, keep in mind that discounts can help you save money while your license is suspended.

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How can I make my suspended license car insurance more affordable?

Some people may tell you to drop your insurance coverage altogether because you won’t be driving while your license is suspended.

This, however, can backfire. Not only will you need car insurance once you get your license back, but you will also likely pay the penalty for a coverage gap.

If you lease your car or there is a loan on it, you won’t have many options to make your costs cheaper. You will need to continue to carry comprehensive and collision insurance. However, you may be able to find discounts by shopping around that will save you money.

If you own your car and have comprehensive coverage on your car insurance policy, you may lower your coverage level while you aren’t driving and save some money. Additionally, some companies offer recreational vehicle coverage for cars that have very low annual mileage.

With a suspended driver’s license, your mileage will be very low. This is especially true if your license is suspended for an extended amount of time. It may be worth the time to talk to your insurance company about coverage options to save money while your license is suspended.

When you are ready to buy suspended license car insurance, enter your ZIP code and start comparing rates.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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