Best Car Insurance for a Revoked Driver’s License in 2025 (Top 10 Companies)

State Farm rises as the premier choice for the best car insurance for a revoked driver’s license, offering tailored coverage options and competitive pricing. USAA and Progressive also shine, catering to high-risk drivers with comprehensive protection.

These top companies prioritize flexibility and affordability, ensuring peace of mind for individuals navigating license revocation.

Our Top 10 Company Picks: Car Insurance Rates After a Revoked Driver's License

If your driver’s license has been revoked or suspended, you know how stressful it can be to reinstate your license. Depending on why you have a revoked license, it could take several years before you can get a new license and start driving again. You’ll also need to purchase car insurance for your vehicle when you renew your license.

However, car insurance after a revoked driver’s license can be tricky to find. Whether your license was revoked or suspended, you may find that many car insurance companies aren’t comfortable offering you car insurance coverage. If that’s the case, it could take a while to find the insurance you need.

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Obtaining Auto Insurance Following License Revocation

You can get car insurance after your driver’s license gets revoked, but it’s unlikely. Car insurance companies will think twice before offering you coverage since driver’s license revocation occurs due to a serious violation.

A driver’s license revocation means your license gets taken away indefinitely. Some reasons your license may get revoked include:

• Multiple driving offenses
• Suspected or proven fraud
• Drug or alcohol addiction
• Reckless driving
• Hit-and-run
• Failure to appear in court
• Physical inability to operate a vehicle safety
• Serious medical conditions

If your revocation results from your age or specific medical conditions, you can assume the state will not reinstate your license. In addition, without a current driver’s license, you can’t purchase car insurance for your vehicle since you’re legally unable to drive, potentially leading to consequences such as charges for driving without insurance.

In some cases, your state may be willing to forgive other serious offenses that caused your license to be revoked over time. If this happens to you, you may be able to request a new driver’s license through your department of motor vehicles.

Securing Car Insurance During a License Suspension

A suspended license — while still serious — is less of an issue than a revoked license. If you have a suspended driver’s license, the suspension is temporary, typically lasting anywhere from a few months to two years.

So, how do you get car insurance with no license? During your license suspension, you may be able to find car insurance coverage with specific companies. These companies offer coverage for policyholders with suspended licenses who don’t want a gap in their car insurance coverage.

Read more:

• Do tickets for driving with a suspended license affect car insurance rates?
• Compare Best Car Insurance Companies That Accept a Suspended License
• Compare Car Insurance Rates With a Provisional License
• Compare Car Insurance Rates After a Conviction

If that’s your case, and you want to keep your car insured during your suspension period, you may find several companies willing to offer coverage, but the rates could be expensive.

Once your suspension period ends, your original driver’s license will allow you to drive legally in your state. Even though you can use your driver’s license to drive, finding car insurance in your area can be difficult after a driver’s license suspension. Many insurance companies will see you as a risk and won’t offer you coverage.

Exploring Car Insurance Options Following a License Suspension

Whether companies are willing to offer you coverage after a license suspension depends on several factors.

All insurance companies will see that your driver’s license was suspended or revoked. However, if the reason for your suspension is something like multiple DUIs or another drug or alcohol-related charge, you may find that fewer companies are willing to cover you.

There are plenty of insurance companies offering coverage after a license suspension. Some of the most popular car insurance companies providing coverage after a suspended license include:

• USAA
• Geico
• State Farm
• Progressive
• Nationwide
• MetLife
• Allstate
• Travelers
• Farmers

You may find that smaller, local insurance companies in your area are also willing to offer you car insurance after your license gets revoked or suspended. However, these companies are often more apprehensive about offering coverage in these instances because of the risk of financial obligation.

Understanding Car Insurance Costs After License Revocation

It’s impossible to know how much more you will pay for car insurance coverage if your license gets suspended or revoked, but you can assume you’ll be paying more.

Your insurer may choose to no longer offer coverage. If that happens, the company will cancel your policy, and you’ll have to find coverage elsewhere.

Changing car insurance providers will not keep a company from learning about the reason for your license suspension or revocation. So if your provider is willing to offer you carinsurance coverage at a higher rate, you may want to keep the policy.

The table below shows the average annual car insurance rates after a suspended license.

Car Insurance Monthly Rates Before vs. After a Suspended License by Provider

As you can see, your car insurance rates can go up as much as 56% after a license suspension, and it could be even higher for license revocation.

SR-22 Insurance: What You Need to Know

In some cases, you may have to file an SR-22 with your state after getting your license suspended. Some of the common reasons for filing an SR-22 include:

• DUI or DWI conviction
• Driving without sufficient car insurance
• Multiple at-fault accidents
• Repeat offenses in a short period
• Not making court-ordered payments, such as child support
• If you’ve received a hardship license

If your state requires you to file an SR-22, your department of motor vehicles wants proof that you are carrying your state’s minimum requirements for car insurance coverage.

You will need your car insurance company to file the SR-22 on your behalf. If your current car insurance provider is willing to offer SR-22 coverage, it can notify your department of motor vehicles that you have coverage.

If you have to shop around for SR-22 insurance, you may want to look at the more significant, well-known companies in your area since they’re often more willing to offer this type of car insurance coverage. Make sure you have everything you need to get your SR-22 insurance quotes.

Seeking Affordable Car Insurance Post License Revocation

You may find that it’s impossible to find cheap car insurance if your license gets suspended or revoked. However, you can still find the most affordable rates for car insurance in your area by shopping around online and comparing quotes.

Comparing quotes from multiple insurance companies in your area lets you see how much you can expect to pay for coverage after a suspended or revoked driver’s license. 

Don’t rush the search results, and consider both large and small insurance companies in your area. If you get a quote from a company that seems reasonable, you can ask that company whether you qualify for any discounts that could help you save even more.

Case Studies: Navigating Car Insurance After License Revocation

Exploring real-life scenarios can shed light on the complexities of securing car insurance after a license revocation. These case studies delve into the experiences of individuals navigating the insurance landscape post-license suspension, highlighting the strategies and outcomes with leading insurance providers.

• Case Study #1 – Tailored Coverage Success: In this scenario, Alex, a safe driver with a revoked license due to a medical condition, sought coverage after reinstatement. State Farm provided a monthly rate of $78 for minimum coverage and $155 for full coverage, accommodating Alex’s specific needs and emphasizing the company’s commitment to understanding diverse customer profiles.
• Case Study #2 – Military Precision for High-Mileage Commuters: Emily, a military veteran with a revoked license seeking coverage as a high-mileage commuter, chose USAA for its military-focused excellence. USAA offered a monthly rate of $65 for minimum coverage and $145 for full coverage, demonstrating its commitment to providing advantageous rates for specific customer profiles.
• Case Study #2 – Innovative Savings for Varied Credit Scores: Mark, a driver with varying credit scores and a revoked license due to past violations, explored Progressive for innovative savings. Progressive’s Snapshot Program, designed to reward safe driving habits and qualify for the safe driver car insurance discount, offered Mark a monthly rate of $72 for minimum and $160 for full coverage.

These case studies provide valuable insights into obtaining car insurance after license revocation. From tailored coverage success to military precision and innovative savings, they highlight the strategies and outcomes with leading providers.

See how individuals navigate car insurance post-license suspension. From tailored coverage success to military precision and innovative savings, they shed light on strategies with leading providers.

Car Insurance After a Revoked License: The Bottom Line

It’s not always easy to find insurance coverage with a revoked or suspended license, but the coverage is there.

Certain companies are willing to offer car insurance to people whose licenses have been revoked or suspended, but the reason for your license suspension will matter to insurance companies.

If you can find a company to cover you, you can expect to pay a lot more per month for your car insurance coverage. Try shopping around online and comparing quotes from multiple providers in your area to find cheaper rates.

Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates