The facts on how a suspended license affects your car insurance – InsuranceNewsNet

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

What should you do if your license is suspended?

If your driver’s license is suspended, your car insurance rates will likely go up. But there are some things you can do to keep your prices from spiking. The first thing you should do is contact your insurance company and let them know about the situation. Some insurers will work with you to find a solution that doesn’t involve canceling your policy. You may also consider getting a non-driver’s license. You can usually get one of these from your state’s DMV. With a non-licence you will still be able to drive, but your rates will be much lower than if you had a full licence.

Finally, make sure you meet all the requirements of your suspension. If you are required to take a defensive driving course or attend a driving school, be sure to do so. This will show insurers that you are serious about fixing the problem and that you are not just trying to get out of paying higher rates.

Penalties for driving without insurance after suspension

If you drive without insurance after your license has been suspended, you could face a number of penalties. These may include:

  • Fines: You can be fined for driving without insurance. The amount of the fine will vary from state to state.
  • Jail: You could also face jail if you’re caught driving without insurance after being pulled over. Jail time will also vary from state to state.
  • Suspension of your license: If you are caught driving without insurance, your license can be suspended again. This means that you will not be able to legally drive in the state until your suspension is lifted.
  • Suspension of your license: In some cases, your license can be suspended if you are caught driving without insurance after being stopped. This means that you will not be able to legally drive in the state at all and will have to reapply for your license after the revocation period expires.

How to restore your license

If you have a suspended license, you may be wondering how to reinstate it. The process can vary depending on the reason for the suspension, but there are some general steps you can take. You will first need to contact the DMV or the court that issued the suspension. They will be able to tell you what you need to do to get your license back. This may include paying a fine, completing a driver’s education course or fulfilling some other requirement.

Once you have taken care of the requirements set by the DMV or the court, you can contact your auto insurance company to let them know that your license has been reinstated. Your rates may go up because of the suspension, but they should eventually go down once you prove you’re a safe driver. If you are facing a license suspension, do not despair. With a little effort, you can restore your license and get back on the road.

How much will your rates increase if you have a suspended license?

If you have a suspended license, your car insurance rates will likely increase. The amount your rates increase will depend on the severity of the violation and your insurance company’s policies. A DUI or other serious offense will result in the highest rate increases, while a minor traffic violation may only result in a small increase. If you are caught driving without a valid license, your rates will likely increase significantly. Check with your insurance company to find out how much your rates will increase if you have a suspended license.

How to avoid suspension of your license

There are a number of things that can lead to a driver’s license suspension. These include things like accumulating too many points on their driving record, having a DUI conviction, or failing to pay child support. While a license suspension can be a major inconvenience, it can also cause your car insurance rates to increase. Sarah RouthierDirector of Outreach at Car Insurance Comparison, offers some tips for avoiding a license suspension:

  • Drive safely and obey all traffic laws. This is the best way to avoid getting points on your driver’s license.
  • If you are facing court for any reason, be sure to appear. Failure to appear in court may result in license suspension.
  • If you fall behind on your child support payments, make arrangements to catch up. The state can suspend your license if you 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 your license is suspended, you will likely see an increase in your auto insurance rates. Second, if you are caught driving with a suspended license, you may face additional penalties and fines. Finally, it’s important to make sure you check with your auto insurance provider to see if they offer any coverage for suspended drivers.

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