Exactly How To Get Insurance With a Suspended License

Can you get insurance with a suspended license? This guide offers tips on getting the best car insurance possible even with a restricted license.
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How To Get Insurance With a Suspended License

Written by Brian Greenberg
CEO / Founder & Licensed Insurance Agent

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.

Is Driving a Car Without Insurance Allowed in the U.S?

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.

Steps To Getting Car Insurance With a Suspended Driver’s License

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:

Request a financial responsibility letter from the MVD.

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.

Check if your former insurance company can help.

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.

Use an independent agent to select the best rates from multiple carriers.

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.

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Important Reminders on Getting Car Insurance With a Restricted License

You can’t drive.

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.

Your license will still expire.

You can’t drive, but your car insurance can still be canceled if your driver’s license is suspended, revoked, or expired.

Don’t risk fines and penalties.

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.

Not all companies can help.

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.

Our website can help you better understand your options and provide data-backed information regarding many different types of insurance. Browse car insurance policy options from top providers today!

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