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If you have a suspended license, you might be wondering if you can still get car insurance. The answer is yes, but it’s going to be a little more challenging than obtaining insurance with a valid license. Here are some tips and ideas to help you find car insurance after a suspension.
Table of Contents
Why Was Your License Suspended?
Before you start looking for car insurance, it’s essential to know why your license was suspended. The reason for the suspension will impact your ability to get insurance and how much you’ll pay for it. Here are some common reasons for a license suspension:
- Driving under the influence (DUI) or driving while intoxicated (DWI)
- Reckless driving
- Driving without insurance
- Multiple traffic violations
How Long Will Your License Be Suspended?
The length of your suspension will vary depending on the state you live in and the reason for the suspension. Some suspensions last a few weeks, while others can last several years. It’s essential to know the length of your suspension because it will affect your ability to get car insurance and how much you’ll pay for it.
How to Get Car Insurance With a Suspended License
1. Know Your Insurance Requirements
Every state has minimum insurance requirements that you must meet before you can legally drive. These requirements vary depending on the state, but they usually include liability insurance, which covers the cost of damages you cause to other people and their property.
If your license is suspended, you may still need to meet these minimum insurance requirements to maintain your license and avoid additional penalties. You can contact your state’s Department of Motor Vehicles (DMV) to find out what your insurance requirements are.
2. Shop Around for Insurance
Getting car insurance with a suspended license can be more expensive than with a valid license. That’s why it’s essential to shop around and compare prices from different insurance companies. You can get quotes online or over the phone.
Some insurance companies specialize in providing insurance to high-risk drivers, such as those with a suspended license. These companies may be more willing to insure you, but their rates may be higher than other companies.
3. Consider a Non-Owner Car Insurance Policy
If you don’t own a car but still need insurance because you drive someone else’s car, you may want to consider a non-owner car insurance policy. This type of policy provides liability coverage for drivers who don’t own a car but still need insurance.
A non-owner car insurance policy can be less expensive than a regular car insurance policy because there is no vehicle to insure.
4. Get an SR-22 Certificate
If your license was suspended because of a DUI or other serious driving offense, you may be required to get an SR-22 certificate. An SR-22 certificate is a document that proves you have insurance coverage that meets your state’s minimum requirements.
You typically have to get an SR-22 certificate from your insurance company, and they will file it with your state’s DMV. Having an SR-22 certificate can help you get car insurance with a suspended license, but it can also make your insurance rates higher.
Conclusion
Getting car insurance with a suspended license can be challenging, but it’s not impossible. Knowing your insurance requirements, shopping around for insurance, considering a non-owner car insurance policy, and getting an SR-22 certificate can all help you find the coverage you need.
It’s essential to remember that car insurance rates can be higher for drivers with a suspended license, so be prepared to pay more for your coverage. However, having insurance can help you maintain your license and avoid additional penalties, which can ultimately save you money in the long run.
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