Cheap Car Insurance for Drivers With a Suspended License in 2025 (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.

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

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.

#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.

#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.

#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.

#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. 

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

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?

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.

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

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.

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

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?

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.

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.