Facts On How Suspended License Affects Car Insurance

July 27 02:42 2022

A license suspension will affect car insurance in one of two ways: either one’s rates will go up, or they will have a hard time finding an insurer who will cover them at all. The reason for this is that insurers view drivers with suspended licenses as high-risk. That means that they’re more likely to file a claim, and the claims are likely to be more expensive. If the license is suspended for something like DUI or reckless driving, one might have to get what’s called SR-22 insurance. This is a special type of insurance that’s required by the state for high-risk drivers. It’s more expensive than regular insurance, and it might not be available from all insurers. The best way to avoid an increase in car insurance rates is to avoid getting the license suspended in the first place. Drive safely and obey the law.

What Should One Do If Their License Is Suspended?

If the driver’s license is suspended, car insurance rates will probably go up. But there are some things one can do to keep their rates from going through the roof. The first thing one should do is contact their insurance company and let them know about the situation. Some insurers will work with them to find a solution that doesn’t involve canceling their policy. One may also want to look into getting a non-driver’s license. Someone can usually get one of these from their state’s DMV. With a non-driver’s license, they’ll still be able to drive, but their rates will be much lower than if they had a full driver’s license.

Finally, make sure to keep up with all the requirements of the suspension. If they’re required to take a defensive driving course or attend traffic school, make sure to do it. This will show insurers that one is serious about fixing the problem and that they’re not just trying to get out of paying higher rates.

Penalties for Driving Without Insurance After a Suspension

If one is driving without insurance after their license has been suspended, they may face a number of penalties. These can include:

  • Fines: One may be fined for driving without insurance. The amount of the fine will vary from state to state.
  • Jail Time: One may also be facing jail time if they are caught driving without insurance after a suspension. The amount of jail time will also vary from state to state.
  • Suspension of the License: If one is caught driving without insurance, their license may be suspended again. This means that they will not be able to legally drive in the state until the suspension is lifted.
  • Revocation of the License: In some cases, the license may be revoked if they are caught driving without insurance after a suspension. This means that one will not be able to legally drive in the state at all and one will have to reapply for a license once the revocation period is up.

How to Get the License Reinstated

If one has a suspended license, they may be wondering how to get it reinstated. The process can vary depending on the reason for the suspension, but there are some general steps one can take. First, they’ll need to contact the DMV or court that issued the suspension. They will be able to tell what one needs to do to have their license reinstated. This may involve paying a fine, completing a driver’s education course, or fulfilling some other requirement.

Once it has taken care of the requirements set by the DMV or court, one can then contact their car insurance company to let them know their license has been reinstated. The rates may go up due to the suspension, but they should eventually go back down once they have proved that they are a safe driver. If one is facing a license suspension, don’t despair. With a little effort, one can get their license reinstated and get back on the road.

How Much Will The Rate Increase if One Has A Suspended License?

If one has a suspended license, their car insurance rates will likely increase. The amount one’s rate increases will depend on the severity of the offense and their insurance company’s policies. A DUI or other major infraction will result in the highest rate increases, while a minor traffic violation may only result in a small increase. If one is caught driving without a valid license, their rates will probably increase significantly. Check with the insurance company to find out how much the rates will go up if one has a suspended license.

How to Avoid Getting Licenses Suspended

There are a number of things that can lead to a driver getting their license suspended. These include things like accumulating too many points on their driving record, being convicted of a DUI, or failing to pay child support. While a license suspension can be a major inconvenience, it can also lead to an increase in car insurance rates.

Sara Routhier, Director of Outreach at CarInsuranceComparison.com suggests some tips for avoiding a license suspension:

  • Drive safely and obey all traffic laws. This is the best way to avoid getting points on the driving record.
  • If one is facing a court date for any reason, make sure to show up. Failing to appear in court can lead to a license suspension.
  • If one is behind on child support payments, make arrangements to catch up. The state may suspend their license if they fall too far behind.


There are a few things to keep in mind when it comes to how suspended licenses affect car insurance. First, if the license is suspended, one will likely see an increase in their car insurance rates. Second, if someone is caught driving with a suspended license, they could face additional penalties and fines. Finally, it is important to make sure that one checks with the car insurance provider to see if they offer any coverage for drivers with suspended licenses.

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