Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Sep 21, 2021

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The Short of It

  • Some companies may require drivers to have a license to buy a policy
  • Depending on where you live, you may need an SR-22 if your license is suspended
  • It is not a must to insure a car when you’re not driving

If you’ve lost your driver’s license and your car will be parked in the garage for a while, you may be asking yourself if you need car insurance with a suspended license. There are several circumstances where drivers will need suspended license insurance, even if their car won’t be in use.

Some companies may require you to keep your coverage. The state you live in may require continued auto insurance coverage, or you might even be able to drive with limitations — these are just some of the reasons you may want to consider continuing coverage with a suspended license.

Use our free tool to find a local agent near you by entering your ZIP code. Keep reading to learn more about suspended license insurance rates and policies.

Will my insurance rate increase with a suspended license?

A license can be suspended for many reasons, including reckless driving, multiple citations, failure to show proof of insurance, and driving under the influence.

Companies may be more likely to charge higher premiums because a suspended license generally shows drivers made poor choices behind the wheel.

If drivers have suspended licenses, it is assumed they were already insured. If you’re considering dropping your insurance company with a suspended license, consider a few things:

  • In most cases, you will want to keep your insurance to avoid penalties — or even the cost of repairs if your car is damaged — and to get your license reinstated.
  • Insurance companies look poorly on gaps in car insurance, which could result in higher rates when you reinstate your policy. Companies, such as Progressive, may also charge you higher premiums while your license is suspended.

Drivers may also want to consider keeping their coverage and looking into a restricted or hardship license to keep them going on the road.

If you’ve already jumped ship and are looking for a new company, keep reading to learn where you can get insurance without a license. Most companies are willing to cover suspended drivers. However, there may be outside rules from your state.

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How can I get suspended license insurance?

No need to wonder, “Where can I get insurance without a license?” — suspended drivers are still able to obtain policies.

Looking for affordable suspended license insurance is a similar process to buying insurance. You may face higher premiums. However, insurance companies aren’t likely to turn you away just because you lost your license.

There are even companies that specialize in suspended license car insurance. OnGuard Insurance, for example, boasts itself as non-standard car insurance for drivers with a suspended license.

It acts as a middle man, finding you affordable suspended license insurance through a network of insurance companies.

What is the cheapest company with a suspended license citation?

A suspended license generally means more risk for an insurance company. According to the Insurance Information Institute, your risk is a major factor in calculating the cost of your policy.

Take a look below at the average auto insurance rates based on your driving record to get a general idea of what company may have the affordable suspended license insurance.

Average Annual Auto Insurance Rates Based on Driving Record
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with 1 Speeding ViolationAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUI
Allstate$2,210$2,498$2,997$3,128
Farmers$2,424$2,893$3,087$2,678
Geico$1,097$1,097$1,546$2,301
Liberty Mutual$3,344$3,633$3,922$6,427
Progressive$2,922$3,472$4,934$3,252
State Farm$1,996$2,199$2,402$2,199
Travelers$1,880$2,433$2,089$2,614
USAA$1,109$1,220$1,459$2,048
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If you’re in the military, you may want to take advantage of USAA. As you can see, it has the lowest rates for just about every risk-based rate. If you’re not in the military, GEICO and State Farm may be good options.

Another way to lower rates is to shop around for the best discounts. Drivers with a suspended license can sign up for occupational discounts, good student discount and more. There’s even a safe driver auto insurance discount to help you improve your driving. 

It’s best always to do your research and speak with an agent directly about what type of policy rate you qualify for.

Do I need car insurance if my license has been suspended?

If you currently have a policy, your insurance company may recommend you stay on to avoid gaps in coverage, but if your car is safely parked and waiting for you for a long time, it may be cost-effective to cancel your auto insurance.

However, keep in mind that damages can still happen to idle vehicles. Weather damage, break-ins, and other accidents may occur, and insurance will help cover those costs.

One of the most common license suspension causes is a DUI — or driving under the influence. In several states, drivers who get a DUI are required to show proof of an SR-22 — or a liability certificate — in addition to other penalties.

An SR-22 is specifically designed for drivers with a suspended license and is commonly confused as an insurance policy.

This proof of liability certificate is basically proof that you’ve obtained the most basic level of auto insurance required in your state. When an SR-22 is required, you must have insurance.

While a DUI is a common factor in losing one’s license, risky driving behavior can also lead to a suspended license. Keep reading to learn more about the status of your license.

Where can I check if a license is suspended?

Contact your local Department of Motor Vehicles for directions on how to check if a license is suspended.

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Suspended License Insurance: The Bottom Line

Drivers may find that hunting to buy suspended license insurance is the exact same as finding a policy with your license. Companies and states have their own rules on insurance requirements. For this reason, you may end up paying more in insurance costs after you’ve lost your license.

Some may consider ditching a policy for the extent of their suspension. It would help if you spoke with an agent about the possible penalties of a gap in your coverage when you return to the road.

You may also want to keep your coverage in case someone else drives your car or it gets damaged while parked.

Either way, it’s best to speak with an insurance expert about your options. Enter your ZIP code to find suspended license insurance companies in your area.