Last updated: July 1st, 2022
Reviewed by
Paige Geisler
Licensed Insurance Agent
If you have a suspended license, you may be wondering, “Can you get insurance with a suspended license?” The truth is, it can be difficult to find car insurance if your license is suspended. However, it’s not impossible.
In this blog post, we’ll tell you exactly how to get insurance with a suspended license so you can get back on the road safely and legally. We’ll also provide some tips for finding the best rates and coverage. Keep reading to learn more.
No, it is not. In fact, it is considered illegal. All states require drivers to demonstrate financial responsibility for damages and liability and most states require you to have car insurance to prove this responsibility. All motor vehicles are to be covered by minimum liability insurance through a company that is authorized to do business in the state.
Not all states require drivers to carry liability insurance, but ALL states have financial responsibility laws in place. This means if you don’t have liability insurance, you need to have proof of sufficient assets to cover damages and medical bills in the event of a car accident.
The minimum levels of financial responsibility vary state to state, but generally are between $15,000 to $25,000 for bodily injury liability per person or $50,000 per accident. In addition, vehicle owners should also have at least $10,000 to 15,000 under property damage liability.
In the event of traffic stops or accidents, the authorities might ask you for proof of insurance, and failure to maintain a proper, active one could lead to a suspension of your vehicle’s registration. This means that even with a suspended driver’s license, you still must get car insurance.
With this in mind, let’s circle back to the question of, “Can you get insurance with a suspended license?” While it can be difficult, it’s essential that you learn how to go about insuring your car. We’ll break down the steps to keeping your vehicle protected below.
It can be difficult to find car insurance if you have a “Suspended” status in your Motor Vehicle Division (MVD) record, but it is possible. Here are the steps you can take to secure car insurance with a suspended license:
If you can visit your local MVD office in person, find out if they can send you a letter that can be used as proof of financial responsibility. If so, ask for one and keep a digital copy available when seeking quotes from insurance providers. Make sure to check if this service is available where you can get your car insurance with a suspended license.
Not all companies can provide coverage even with the financial responsibility letter. Your former company might be able to extend coverage, even without an active driver’s license. You can typically find a list of insurance agents in your state on your car insurance provider’s website or can call the insurance company directly if you don’t want to meet with an agent. Simply visit the official site of your former car insurance provider and search for their agents near you.
Your best bet in finding coverage when you can’t drive legally is to use an independent insurance agent. These professionals can shop around for at least three different quotes for you, allowing you to buy insurance even with a suspended license. Insurance agents work for you, not insurance companies. They can search for the best carriers and coverage at your specific price point to give you the best value possible.
When you have a suspended license, it is vital that you do not operate a motor vehicle for any reason. Driving can lead to your insurance being canceled and can even result in a further suspension of your driver’s license.
You can’t drive, but your car insurance can still be canceled if your driver’s license is suspended, revoked, or expired.
You can still get car insurance with a suspended license, but you must keep the policy active. If you can’t drive legally and don’t keep your car insurance in good standing, you can be fined up for driving without insurance.
While you can buy car insurance with a suspended license, not every company can provide coverage. The Financial Responsibility Letter from the MVD is intended to provide insurance to individuals with a suspended license but can be rejected by some carriers.
When you can’t drive legally, it can be difficult to find car insurance. However, as long as you can prove financial responsibility and can get a Financial Responsibility Letter from the MVD, you can secure coverage even with a suspended license. With an active policy and the help of an independent agent, you can get multiple quotes that can give you the best insurance for your budget.
Browse our site for coverage comparisons, insurance reviews, and guides on finding the best insurance options for your needs.
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Brian is the founder and CEO of Insurist and carries Life, Health, and Property & Casualty licenses in all 50 U.S. states. Since 2013, Brian has been a member of Million Dollar Round Table, a designation for the top 1% of financial advisors worldwide. Brian has been featured in Yahoo! Finance, Money.com, Entrepreneur.com, Life Happens, Forbes, MSN, and Good Financial Cents. Brian’s goal is to show customers the best products, the quickest answers to their questions, and provide expert advice.
Paige is an assistant agent for State Farm and is licensed to sell property and casualty, health, and life insurance in Virginia. She handles all different types of insurance and financial services and is currently working on a securities and bonds license. Paige has a degree from Radford University in English and is a certified notary.
