Cheap Car Insurance for Drivers With a Suspended License in 2024 (Top 10 Companies Ranked)
State Farm, USAA, and Geico have cheap car insurance for drivers with a suspended license. State Farm is the cheapest at $99/mo. Monthly car insurance rates increase by $100 or more with a suspended license, but State Farm won't raise rates as much as Geico or other companies after a traffic violation.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 23, 2024
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UPDATED: May 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min. Coverage With a Suspended License
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage With a Suspended License
A.M. Best Rating
Complaint Level
Company Facts
Min. Coverage With a Suspended License
A.M. Best Rating
Complaint Level
Pros & Cons
State Farm, USAA, and Geico have cheap car insurance for drivers with a suspended license. State Farm is the cheapest at $99/mo.
If you need cheap car insurance, suspended license charges can increase rates by $100/mo or more. Compare cheap car insurance rates after a suspended license to get the best coverage.
Our Top 10 Company Picks: Cheap Car Insurance for Drivers With a Suspended License
Company Rank Monthly Rates Multi-Vehicle Discount Best For Jump to Pros/Cons
#1 $99 10% Safe Drivers State Farm
#2 $112 15% Military Members USAA
#3 $115 25% Budget-Conscious Geico
#4 $122 10% Customer Loyalty American Family
#5 $130 12% Risk Minimization Travelers
#6 $163 15% Tech-Savvy Progressive
#7 $170 15% Accident-Free Nationwide
#8 $174 10% Theft Protection Allstate
#9 $185 20% Policy Bundle Farmers
#10 $240 10% Safe Driving AAA
If your driver’s license gets suspended, most insurance companies won’t provide coverage unless you obtain a restricted license or an SR-22.
In this guide, we’ll cover everything you need to know about how a suspended license affects insurance and compare rates from companies with cheap SR-22 car insurance so you can get the most affordable car insurance after a suspended license.
- State Farm and Geico have cheap car insurance with a suspended license
- Insurance companies will charge higher rates for multiple traffic violations
- You may have to buy SR-22 car insurance to reinstate your license
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#1 – State Farm: Top Pick Overall
Pros
- Most Affordable: Cheapest car insurance rates for drivers with a suspended license at $99/mo.
- Most Popular: State Farm is the largest car insurance company in the country with the highest customer satisfaction in most regions.
- Won’t Raise Rates: State Farm won’t raise rates as high as other companies after speeding tickets or accidents.
- National Coverage: State Farm car insurance is available all over the U.S. Compare quotes by state in our State Farm insurance review.
Cons
- No Gap Insurance: You cannot buy gap coverage for auto loans or leases from State Farm.
- Not Available in Some States: State Farm isn’t writing new policies in MA or RI.
#2 – USAA: Cheapest for Military Members
Pros
- Affordable Rates: USAA is one of the cheapest insurance companies in the U.S., only charging $112/mo for drivers with suspended licenses.
- Financial Services: USAA provides banking services, including auto loans, and investment opportunities.
- Pay-Per-Mile Insurance: High-risk drivers can sign up with Noblr to get even cheaper rates after a suspended license.
- National Coverage: USAA car insurance is available in all 50 states and Washington, D.C. Use our USAA insurance review to find a policy near you.
Cons
- Limited Availability: USAA is only available to active and retired military, military reserve, and their immediate family members.
- No Gap Insurance: USAA does not offer gap coverage on auto loans or leases.
#3 – Geico: Cheapest for Drivers on a Budget
Pros
- Cheap high-risk insurance: Geico costs $115/mo with a suspended license.
- National Coverage: You can buy Geico car insurance in all 50 states.
- Mobile-Friendly: Drivers can manage everything online, and the mobile app is highly rated 4.8/5 on Apple and 4.6/5 on Google Play.
Cons
- No Gap Insurance: Geico does not have gap coverage for auto loans or leases.
- Poor Claims Satisfaction: Customers consistently rank Geico below average for claims service in the annual J.D. Power survey. Read our Geico insurance review for the full rankings.
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#4 – American Family: Cheapest for Loyal Customers
Pros
- Best Rates After DUI: AmFam won’t raise rates as high as other companies and only charges $122/mo for car insurance with a suspended license.
- Policy Add-Ons: Drivers can add gap insurance, accidental death, and more to their policy. Explore your options in our AmFam car insurance review.
- Great Customer Service: Ranks in the top 10 for claims satisfaction and in the top three for customer satisfaction in annual J.D. Power surveys.
Cons
- Not in Every State: American Family car insurance is only in 19 states.
- Customization at a Higher Price: Policy add-ons will increase rates, especially for drivers with a suspended license.
#5 – Travelers: Best for Risk Minimization
Pros
- Affordable High-Risk Insurance: Car insurance with a suspended license costs less than $150/mo.
- Safe-Driving Rewards: Responsible driver plans help safe drivers earn accident and minor violation forgiveness.
- Policy Add-Ons: Drivers can add new car replacement, gap insurance, and more to stay protected on the road.
Cons
- No SR-22 Insurance: Travelers cannot file SR-22 for drivers with a suspended license.
- Not in Every State: You can only buy Travelers car insurance in 42 states. Read our Travelers insurance review to compare quotes in your state.
#6 – Progressive: Cheapest for Tech-Savvy Drivers
Pros
- Affordable High-Risk Insurance: Keeps rates affordable after a suspended license at $163/mo.
- Excellent Mobile App: App is rated 4.8/5 on Apple and 4.6/5 on Google Play for making it easy to manage auto coverage, pay bills, and file claims.
- National Coverage: Progressive car insurance is available in all 50 states. Start comparing quotes in our Progressive review.
Cons
- Poor Customer Service: Customer and claims satisfaction ranks below average every year in J.D. Power surveys.
- Expensive for Teens: Charges $200/mo more than the national average for teens with clean driving records.
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#7 – Nationwide: Cheapest for Accident-Free Drivers
Pros
- Safe-Driving Discounts: Save up to 40% if you remain accident and claim-free. Explore more Nationwide car insurance discounts.
- Cheap With Bad Credit: Nationwide won’t raise rates as high for drivers with bad credit.
- Pay-Per-mile Insurance: Low-mileage drivers can sign up for Nationwide SmartMiles to get even lower rates.
Cons
- Not in Every State: Despite its name, Nationwide car insurance is only available in 46 states.
- Mixed Reviews: Nationwide customers are satisfied with claims service, but customer service scores are low in most states.
#8 – Allstate: Cheapest With Anti-Theft Devices
Pros
- Anti-Theft Discounts: Save 10% by installing anti-theft devices in your vehicle and stack it with the Allstate garaging discount if you park your car in a garage or protected area.
- Pay-Per-mile Insurance: Allstate Milewise helps high-risk drivers save money by tracking mileage instead of driving habits. Our Allstate Milewise review explains how it works.
- National Coverage: You can buy Allstate auto insurance in all 50 states and Washington, D.C.
Cons
- Expensive: Allstate rates with a suspended license are $174/mo, $50-$60 more than the cheapest companies on this list.
- Mixed Reviews: Despite high claims satisfaction across the board, Allstate customer service varies depending on where you live.
#9 – Farmers: Cheapest With a Policy Bundle
Pros
- Long List of Discounts: Farmers offers more car insurance discounts than any other national provider. Explore savings in our Farmers car insurance review.
- Big Savings for Insuring More: Drivers save up to 20% when they bundle multiple policies or insure multiple vehicles.
- National Coverage: Farmers car insurance is in all 50 states (but discount availability can vary).
Cons
- Expensive: Farmers car insurance with a suspended license costs $185/mo, nearly twice the price of State Farm insurance.
- High Rates for Seniors: Charges more than other providers for drivers over 60 with clean records.
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#10 – AAA: Cheapest for Safe Drivers
Pros
- Policy Perks: Members get free roadside assistance, rental car discounts, travel vouchers, and more. Read our AAA insurance review to see more.
- Safe-Driving Discounts: Drivers can save 30% by avoiding accidents, speeding tickets, and DUIs.
- National Coverage: Get AAA insurance in all 50 states and Washington, D.C.
Cons
- Membership Required: Drivers must join AAA and pay annual membership fees to buy car insurance.
- Most Expensive: AAA is the most expensive companiy for car insurance with a suspended license at $240/mo
Best Suspended License Car Insurance Companies
You’ll find that State Farm, USAA, and Geico have the best car insurance for suspended licenses with the smallest rate increases.
- State Farm: State Farm has the cheapest car insurance rates after a suspended license at $99/mo and only increases rates by 31% or $49/mo. Learn more in our State Farm car insurance review.
- USAA: USAA has cheaper rates in general, despite a bigger increase after license suspension, but coverage is only available to military members, veterans, and their families. Read our USAA car insurance review to learn more.
- Geico: Geico is one the cheapest insurance companies for most drivers, and it files SR-22 for drivers with a suspended license. Learn more in our Geico car insurance review.
Progressive rates are around average for suspended license insurance but costs only increase by 33%. Learn how Progressive car insurance discounts can lower your rates even more.
Allstate is also an affordable option if you have additional safety features and anti-theft devices in your vehicle. It charges more than some companies but has the lowest overall rate increase after license suspension at only 26% or $55/mo. Compare rates in our Allstate car insurance review.
Your Insurance Company Will Find Out About Your Suspended License
Can insurance tell if your license is suspended? Yes, so don’t try lying to your car insurance company to avoid a rate increase. Insurance companies will find out about your suspended license when they do a background check on your driving and criminal record.
Stuck trying to choose the right coverage? Call State Farm. pic.twitter.com/rwojdNXjFa
— State Farm (@StateFarm) May 7, 2024
How far do insurance companies look back? That depends on your state insurance laws. Insurers generally look back between three and five years, but some states allow providers to look back as far as ten years on DUI charges. For more information, compare the best car insurance companies that only look back three years.
Cheap Car Insurance Rates for Drivers With a Suspended License
Does a suspended license affect insurance? Having a suspended license can make it difficult to obtain car insurance and will have a significant long-term impact on your car insurance rates.
Start here with car insurance rates after a suspended license from the most popular companies:
Car Insurance Monthly Rates for Drivers With a Suspended License by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $240 $335
Allstate $174 $280
American Family $122 $210
Farmers $185 $282
Geico $115 $193
Nationwide $170 $272
Progressive $163 $234
State Farm $99 $149
Travelers $130 $190
USAA $112 $171
You will likely have your license suspended if you have reckless driving or a DUI on your record. Multiple speeding tickets and DUIs prove to insurance companies that you’re a high-risk driver, which is why car insurance rates for suspended licenses are exponentially higher.
Suspended license insurance rates will spike even higher if you’ve received multiple speeding tickets or are convicted of a DUI, so research the best car insurance after a DUI to find the cheapest rates near you.
Your Rates May Decrease as Soon as Your License is Reinstated
How much car insurance rates drop once your license is reinstated depends on your driving record. If this is your first offense and you have no prior insurance claims, your rates may decrease quickly.
Here are a few tips to help you get cheap car insurance quotes with a suspended license:
- Compare Rates From Different Insurers. Just because you have a suspended license doesn’t mean you have to pay through the nose for car insurance. Plenty of companies that offer affordable rates to high-risk drivers.
- Ask About Discounts. Even high-risk drivers are eligible for car insurance discounts on their monthly rates. For example, many insurers offer affiliation and membership discounts unrelated to your driving history.
- Consider Usage-Based Insurance. Also called pay-as-you-go insurance, this type of policy charges you based on how much you actually drive. This can be a more affordable option than a traditional policy. Learn more about usage-based car insurance before buying a policy.
If you’re able to maintain your car insurance while your license is suspended, you can still save yourself money down the road. No matter what, it’s important to be proactive and understand your options when your license is suspended.
Learn More: What happens if I can’t afford my car insurance?
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SR-22 Car Insurance for a Suspended License
Ultimately, you’ll still need suspension insurance if you plan on driving with a restricted license, and driving with a suspended license usually means you will pay higher auto insurance rates because of your driving record.
SR-22 car insurance is a high-risk car insurance policy that provides liability coverage to drivers who have been convicted of serious traffic violations or involved in multiple accidents. The SR-22 form is filed by the insurance company with the state DMV as proof that the driver has the required insurance coverage.
To get an SR-22, you'll need to contact your insurance company and let them know that you need one. Not all insurers offer SR-22 policies, so you may need to shop around to find one that does.
Michael Leotta Insurance Operations Specialist
SR-22 insurance is typically more expensive than regular car insurance, so it is important to shop around for the best rates.
How to Get Car Insurance With a Suspended License
A suspended license is a driving license that has been temporarily withdrawn by the state. The suspension can be for a variety of reasons, including failure to pay child support, DUIs, or other traffic violations.
How long does a suspension affect insurance? Find your state in the table below:
License Suspension Penalties by State
State Penalty
Alaska 90 days
Arizona 3 months
Connecticut 1 month
Delaware 6 months
Florida 3 years or until proof of coverage
Georgia 60 days
Hawaii 3 months
Illinois 3 months
Indiana Up to 1 year
Kentucky 6 months
Maine Suspended until proof of coverage
Massachusetts 60 days
Michigan 30 days or until proof of coverage
Minnesota Suspended until proof of coverage
Mississippi 1 year or until proof of coverage
Missouri Suspended until proof of coverage and reinstatement fee is paid
Nebraska Suspended until SR-22 and reinstatement fee is paid
New Jersey 1 year
North Dakota Suspended until proof of coverage and any applicable fees are paid
Ohio 90 days
Oklahoma Suspended until coverage and any applicable fines get paid
Pennsylvania 3 months and proof of coverage
Rhode Island 3 months
South Carolina $550 license reinstatement fee must be paid and an electronic SR-22 must be filed with the DMV
South Dakota 30 days to 1 year
Tennessee Suspended until proof of coverage and license exam gets passed
Utah Suspended until vehicle owner can provide proof of coverage
Virginia Suspended until proof of coverage and any applicable fees get paid
West Virginia 30 days if fine of $200 and coverage is not purchased before the effective suspension date
A person with a suspended license typically cannot drive for a period of time. In some states, a driver may be able to get a restricted license that allows them to drive to and from work or school.
If your license has been suspended or revoked, you may be eligible to apply for a restricted or conditional license. Depending on the offense, the requirements to apply for this type of license and get car insurance with a conditional license may vary.
The process for reinstating your license can vary depending on where you live, but generally, you'll need to fulfill the requirements of your suspension. This can include paying any outstanding fines, taking a driving test, or completing a driver's education course. For example, if your license was suspended due to a DUI offense, you will likely need to complete an alcohol treatment program before being eligible to apply for a restricted license.
Brett Surbey Corporate Paralegal
Judges will rule on restricted licenses on a case-by-case basis, and results will vary based on your needs and current driving and criminal record. This license will come with certain conditions that you must adhere to. Failure to comply could result in your license being suspended or revoked again, with more severe consequences.
If you are unsure of whether or not you are eligible to apply for a restricted or conditional license, you should contact your local DMV or get in touch with a car insurance attorney. They will be able to advise you on the specific requirements of your situation.
Read more:
- Compare Car Insurance Rates With a Conditional License
- Compare Car Insurance Rates After a DUI as a Minor
- Compare Car Insurance Rates After a Revoked Driver’s License
Renting a Car With a Suspended License
The short answer to this question is no. You can’t rent a car with a suspended license. Car rental companies and state agencies won’t allow this for two main reasons:
- It’s illegal to drive with a suspended license.
- It’s too risky to drive a rental vehicle with a suspended license.
If you’re caught doing this, you could be fined, arrested, or have the car impounded. The rental company could be held liable if you get into an accident while driving a rental car with a suspended license, which would cause major problems for the business.
Rental car companies have access to state databases to ensure your license is valid before lending you a car. You’ll likely be denied if you try to rent a car with a suspended license. Also, you could face serious penalties if you’re caught driving a rental car with a suspended license.
So if you have a suspended license, you’ll need to find another way to get around. You can try public transportation, ride-sharing services, or getting a friend or family member to drive you.
Registering a Car With a Suspended License
In some states, you can’t register a car without a driver’s license. So, while you may be able to buy a car with a suspended license, you won’t be able to drive it until your license is reinstated. Compare car insurance companies that insure unlicensed drivers for more information.
There are some ways around this, however. You could have the car delivered to your house or have someone else drive it off the lot for you. Another loophole would be to buy a car from a private seller. You could technically do this without a driver’s license. Nonetheless, registering your car could prove difficult if your license is still suspended.
Ultimately, if you want to drive the car, you’ll need to get your license back first, so it’s best to reinstate your license before buying a car. This way, you can have peace of mind knowing you can avoid the headache of legal trouble during the purchase.
Why You Should Keep Car Insurance With a Suspended License
Car insurance is an important part of owning a vehicle. It helps protect you financially in the event of an accident or other mishap.
If your license is suspended, your lender may require you to keep insurance with a suspended license on the vehicle if you have a loan or lease. Additionally, you may still be required to maintain car insurance by your state’s Department of Motor Vehicles (DMV).
Does a suspended license affect insurance in your state? This table shows the penalties for driving with a suspended license by state:
Penalties for Driving With a Suspended License by State
State Fines License Suspension License Points Jail Time Traffic School
Alabama $100-$500 Possible extension on license suspension. Expect insurance premiums to increase or policy may be cancelled. Possible jail sentence of not more than 180 days; immediate vehicle impoundment. No, but judge and case specific circumstances allow for traffic school as means of dismissing ticket
Alaska $500-$1,000 Suspension possible. 10 points, premiums on insurance will probably increase or policy might be terminated. 10 days in prison, possible forfeiture of vehicle. Yes, more than 6 points in a year for provision license holders. Traffic school can be used once annually to reduce overall point total
Arizona $300-$500 Additional suspension possible. Expect insurance premiums to increase or policy may be cancelled. At least 48 hours in jail, possible forfeiture of vehicle. Not required, but voluntary attendance will dismiss ticket and avoid being placed on driving record
Arkansas Up to $500 License revocation on case specific basis Violation may increase premiums on insurance or result in policy being cancelled. 2-6 months in prison. Case specific, but potentially required
California $300-$1,000 License suspension reinstatement automatically requires administrative hearing Expect insurance premiums to increase or policy may be cancelled. Up to 6 months in prison, possible forfeiture of vehicle. Yes, case specific, but one offense per 18 months may be masked from public view if completing traffic school
Colorado $50-$500 Possible extension on license suspension. Expect insurance premiums to increase or policy may be cancelled. 5 days to 6 months in jail. Yes, case specific, but will not dismiss points from record
Connecticut First offense $150-$200, subsequent offense $200-$600 Additional suspension possible. Insurance premiums will probably rise or policy can be cancelled. Up to 1 year imprisonment. May be required by clerk, dismissal of fines or points possible through clerk approved traffic school arrangement
Delaware First offense $500-$1,000, subsequent offense $1,000-$4,000 Suspension may be lengthened. Insurance premiums will probably rise or policy can be cancelled. First offense 30 days to 6 months in jail, subsequent offense 60 days to 1 year. Yes, case specific and required, may be used to reduce overall point count
Florida First offence $500, second offense $1,000, subsequent offense $5,000 Possible extension on license suspension. Violation may increase premiums on insurance or result in policy being cancelled. First offense up to 1 years, subsequent offense up to 5 years. Yes, and basic driver improvement courses are option for dismissing points
Georgia Up to $1,000-$2,500 Accumulation of fifteen (15) points in two years results in suspension Violation may increase premiums on insurance or result in policy being cancelled. First offense 2 days to 12 months, subsequent offense 10 days to 1 year. Yes, and potentially used for one violation reduction every five (5) years
Hawaii Case specific, for DUI related suspension $250-$2,000. Case specific, in third offense license is permanently revoked. Point system not applicable in state, insurance rates will likely increase or policy may be cancelled. For suspension due to a DUI: first offense 3-30 days in jail, second offense 30 days, subsequent offense within five years is 1 year in jail. Yes, may be mandated in event of serious offenses
Idaho First offense $500, second offense $1,000, subsequent offense $3,000. License suspended for additional 6 months. Expect insurance premiums to increase or policy may be cancelled. 2 days to 6 months in jail. Yes, once every three (3) years, drivers may reduce point total by three points
Illinois Up to $2,500 Suspension may be lengthened. Insurance premiums will probably rise or policy can be cancelled. Possible jail sentence and community service requirements, possible forfeiture of vehicle. Yes, required for some offenses, can be used as means of dismissing points in lieu of license suspension
Indiana Up to $500 Possible extension on license suspension. 8 points Up to 60 days in jail. Yes, driver safety program required in case specific situations and in lieu of point total nearing suspension levels
Iowa $250-$1,000 License suspension possibly lengthened. None, violation will probably increase insurance premium rates though or policy might be cancelled. Possible jail time required. Yes, courts may require driver improvement program
Kansas At least $100 Possible extension on license suspension. No point system in state, violation will likely raise insurance premiums rates if policy is not terminated. At least 5 days in jail. Yes, may be required, and may be done every three (3) years to garner better insurance premiums
Kentucky Up to $250 Additional suspension possible. Violation may increase premiums on insurance or result in policy being cancelled. First offense up to 90 days in jail and license suspended for additional 6 months, second offense 90 days to 1 years and possible one year license additional license suspension, subsequent offense 1-5 years in jail and up to two year additional license suspension. Yes, can elect to attend once per year if eligible to dismiss violation for given offense causing attendance
Louisiana $500 1 year additional suspension. No point system, reported to PDPS, insurance rates will probably increase. Up to 6 months in prison and 1 year additional license suspension. Yes, may be required, and can be used to suspend conviction of violation
Maine $250-$500, DUI related is $600 For suspension due to DUI: 1 to 3 additional years license suspension. Expect insurance premiums to increase or policy may be cancelled. For suspension due to a DUI: 7 days in jail. Yes, may be mandated, can be used to dismiss three (3) demerit points per one (1) year period
Maryland Up to $500 Possible extension on license suspension. 3-12 points, insurance premiums will probably increase or policy might be cancelled. 2 months in jail. None
Massachusetts $500-$1,000 Possible additional suspension on license of 60 day for first offense and 1 year for second offense. Violation may increase premiums on insurance or result in policy being cancelled. First offense up to 10 days in prison, subsequent offense 60 days to 1 year. Yes, required if driver accumulates five (5) surchargeable events in three (3) years
Michigan $500-$1,000, may be more if injury or death were caused while driving with license suspended. Additional suspension possible. Insurance premiums will probably rise or policy can be cancelled. First offense up to 93 days in jail, second offense up to 1 year. Yes, potentially mandated
Minnesota Up to $1,000 Suspension may be lengthened. None, violations may increase insurance premium rates though Possible jail time required. Yes, courts may require driver improvement course in lieu of or on top of existing offenses
Mississippi $200-$500 Possible additional 6 months suspension on license. No point system in state, premiums on insurance will probably rise. 48 hours to 6 months in jail. Yes, potentially mandated, but can be used to dismiss offenses
Missouri Up to $1,000 Additional suspension possible. Expect insurance premiums to increase or policy may be cancelled. Either 48 hours in jail or community service required. Yes, either mandated or voluntarily undergone to reduce point total
Montana Up to $500 License possibly suspended for additional 1 year. Insurance premiums will probably rise or policy can be cancelled. 2 days to 6 months in jail. Yes, potentially mandated as sanction, but will not reduce or dismiss points
Nebraska Up to $500 First offense additional suspension for 1 year, subsequent offense additional suspension for 2 years. Violation may increase premiums on insurance or result in policy being cancelled. Possible jail time required. Yes, possibly mandated as sanction, but also, can be used to remove 2 points every five (5) years
Nevada $500-$1,000 Additional suspension possible. Insurance premiums will probably rise or policy can be cancelled. First offense 30 days to 6 months in jail, subsequent offense up to 1 year. Yes, potentially required, but also, can be used once per one (1) year period to reduce points voluntarily
New Hampshire $1,000 Additional 1 year suspension. 4 points, premiums on insurance will probably increase or policy might be terminated. 7 periods of 24 hours to be spent in jail within 6 months. Yes, required in some instances and as possible means of reducing points
New Jersey $1,000 Possible extension on license suspension. Expect insurance premiums to increase or policy may be cancelled. 30 days in jail. Yes, case pending may be required, otherwise can be used to remove 2 points from record
New Mexico Up to $1,000 Additional 1 year suspension. Violation may increase premiums on insurance or result in policy being cancelled. 4 to 364 days in jail. Yes, may be mandated or voluntarily undergone for points reduction
New York $200-$500 License suspension possibly lengthened. Insurance premiums will probably rise or policy can be cancelled. At least 30 days in jail. Yes, potentially required in specific cases, and may be used to remove up to 4 points in some cases
North Carolina $500-$2,500 Additional license suspension for first offense 1 year, second offense is 2 years, on third offense license is permanently revoked. Insurance premiums will probably rise or policy can be cancelled. Possible jail time required. Yes, driver improvement clinics may be mandated, and can be used once every five (5) years for 3 point reduction
North Dakota $250-$1,000 Suspension may be lengthened. Expect insurance premiums to increase or policy may be cancelled. 4 days in prison, license plate may be impounded. Yes, and driver may elect to undergo driver improvement course once annually to reduce by 2 points
Ohio Up to $1,000 Possible extension on license suspension. 6 points, premiums on insurance will likely increase or policy might be cancelled. License plate may be impounded. Yes, remedial driving instruction may be legally required to reinstate driving privileges
Oklahoma $100-$500 Possible extension on license suspension. Violation may increase premiums on insurance or result in policy being cancelled. Up to 1 year imprisonment. Yes, potentially mandated, but also can be used to reduce 2 points
Oregon First offense at least $1,000, subsequent offense at least $2,000. Additional license suspension. No point system, premiums on insurance will probably increase. Possible jail sentence. Yes, if mandated, but not possible to reduce offense total
Pennsylvania $200, if suspension was due to DUI: $1,000 License is suspended for additional 1 year. Expect insurance premiums to increase or policy may be cancelled. For DUI related suspension: at least 90 days in jail. Yes, if mandated as sanction, but not means of reducing violation or dismissing points
Rhode Island First offense $250-$500, subsequent offense $350-$1,000. Additional 1 years suspension on license. No point system, premiums on insurance will probably increase. First offense up to 30 days in jail, subsequent up to 1 year in jail. Yes, if mandated by licensing authority
South Carolina First offense $300, second is $600, subsequent is $1,000. Suspension may be lengthened. Insurance premiums will probably rise or policy can be cancelled. First offense up to 30 days in jail, subsequent up to 60 days, subsequent 90 days to 6 months. Yes, potentially mandated and means of removing 4 points
South Dakota $200 Possible additional suspension time. Violation may increase premiums on insurance or result in policy being cancelled. 30 days in jail, license is suspended for additional 1 year. No
Tennessee $500 Possible additional suspension time. 8 points, violation may increase insurance premiums or result in termination of policy. Up to 6 months in prison. Yes, may be mandated, and drivers may reduce points through course once every five (5) years
Texas $250 Suspension is reinstated for amount of time originally sentenced. Expect insurance premiums to increase or policy may be cancelled. Possible jail time required. Yes, potentially required, and may be used to dismiss violation
Utah $750 Suspension may be lengthened. Insurance premiums will probably rise or policy can be cancelled. Up to 6 months in jail. Yes, possibly court mandated, and if necessary, can be used once every three (3) years to remove 50 points
Vermont Up to $5,000 Additional license suspension possible. 4 points, premiums on insurance will probably increase or policy might be terminated. Up to 2 years in prison and community service time required. Yes, possibly required as part of license reinstatement
Virginia $1,000 License suspension may be lengthened. 6 points, premiums on insurance will likely increase or policy might be cancelled. Vehicle may be impounded for 90 days. Yes, driver improvement clinic may be required, and possibly used to offset 5 demerit points
Washington Up to $500 Additional license suspension time required. No point system, premiums on insurance will probably increase. First offense is 10 days in jail, second offense is 90 days, subsequent offense is 180 days. Yes, potentially required by court authority
Washington, D.C Up to $1,000 Possible extension on license suspension. 4 points, premiums on insurance will probably increase or policy might be terminated. Possible jail time required. Yes, may be required, and can be used as means of reducing point total
West Virginia $500 Possible extension on license suspension. Insurance premiums will probably rise or policy can be cancelled. Up to 6 months in prison. Yes, drivers may be legally bound to attend, and attendance may reduce points as well
Wisconsin First offense is $600, second offense is $1,000, subsequent offense is $2,000. Possible additional suspension time. 6 points, premiums on insurance will likely increase or policy might be cancelled. Second offense up to 6 months in jail, subsequent offense up to 9 months. Yes, sometimes required, but voluntarily taken can reduce points by 3 every five (5) years
Wyoming $750.00 Suspension may be lengthened. No point system, premiums on insurance will probably increase. Up to 6 months in jail. No
As you can see, maintaining car insurance while your license is suspended can help you avoid costly penalties and fees. It’s also important to mention that a gap in coverage could cause your rates to rise in the future. This is because insurance companies perceive drivers with a lapse in coverage as higher risk.
Read More: How do you get car insurance with no license?
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How to Get Cheap Car Insurance With a Suspended License
Does license suspension affect insurance? Yes, car insurance companies typically charge much higher rates for drivers with a suspended license. It considers them more likely to file a claim, which is why high-risk car insurance is so expensive.
State Farm, USAA, and Geico all offer cheap car insurance for drivers with a suspended license, with State Farm being the cheapest out of the three at $99/mo. Read more about the best car insurance companies that accept a suspended license.
If you have a suspended license, you will most likely need to get what's called SR-22 insurance, which also raises car insurance rates after a suspended license. An SR-22 is a certificate of financial responsibility that proves you have the minimum amount of car insurance required by your state.
Michelle Robbins Licensed Insurance Agent
Be sure to ask about any discounts that may be available, including membership and affiliation discounts that aren’t related to your driving record. Use our comparison tool above to get free car insurance quotes today from local companies.
If you have a suspended license, it’s important to get the car insurance coverage you need. By shopping around and comparing rates, you can find an affordable policy that will give you the peace of mind you need on the road.
Frequently Asked Questions
What is a suspended license?
A suspended license is when the state temporarily withdraws driving privileges due to various reasons, such as traffic violations or failure to pay child support.
Does license suspension affect car insurance?
A suspended license will increase your car insurance rates or cost you your entire policy if this is a second or third offense.
Will my car insurance go up if my license is suspended?
Yes, car insurance rates after a suspended license are often $100 more per month. Learn how traffic infractions affect car insurance.
Who typically has the cheapest car insurance for a suspended license?
State Farm, USAA, and Geico have cheap car insurance for a suspended license with coverage available in all 50 states. Enter your ZIP code below to see how cheap car insurance costs near you.
Who is cheaper after a suspended license, Geico or Progressive?
Both companies have cheap car insurance for suspended drivers, but Geico is cheaper at $115/mo compared to Progressive at $163/mo.
How long does a license suspension affect car insurance?
How long license suspension impacts car insurance rates varies by state. Most states allow insurers to look back three to five years, while it can affect car insurance for as long as ten years in other states. Learn how long points stay on your driver’s license.
Can I register a vehicle with a suspended license?
In most states, you can register a car with a suspended license. However, you may need to present proof of insurance at the time of registration, depending on where you live.
Do you need an SR-22 if your license was suspended?
An SR-22 is typically required when your license has been suspended due to a DUI or other serious traffic violation. If you are unsure whether or not you need SR-22 car insurance, you should check with your local DMV.
Can I reinstate my driving privileges if my license was suspended?
If your license has been suspended or revoked, you may be eligible to apply for a restricted or conditional license. Common reasons to apply for a restricted drivers license include:
- Regular doctor’s appointments
- Getting to and from work or school
- Transporting dependents to and from obligations
- Court appearances
However, driving with a suspended license can result in a wide range of legal penalties if you are caught on the road for any reason other than those listed on your restricted license. Some states treat it as a misdemeanor offense. In others, it is a felony. The penalties can include jail time, fines, and an extended suspension of the person’s license.
Can someone else drive my car if my license is suspended?
Yes, someone with a valid driver’s license can drive your car if your license is suspended. However, it’s important to check with your insurance company to ensure coverage.
Can I rent or buy a car with a suspended license?
No, rental car companies and state agencies do not allow individuals with suspended licenses to rent or drive rental cars. When buying a car, you can legally make the purchase, but you won’t be able to drive it until your license is reinstated.
Will car insurance cover an accident if your license is suspended?
Care insurance coverage after a suspended license depends on state laws. If you are illegally driving with a suspended license, car insurance will not cover an accident. However, some coverage may apply when driving with a restricted license. Find car insurance companies for a restricted license.
Are there any car insurance discounts available for drivers with a suspended license?
Drivers with suspended licenses are still eligible for multi-policy discounts, membership and affiliation discounts, and other types of savings that aren’t related to their driving record, such as pay-by-the-mile insurance.
How many surchargeable events in two years can cause a license suspension?
In Massachusetts, seven surchargeable events in two years will lead to a license suspension. Learn more about Massachusetts car insurance.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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