Auto Insurance Companies That Accept a Suspended License
It's hard to find affordable auto insurance companies that accept a suspended license as having a suspended license means that you can't legally drive. Now, if you have regained your driving privileges, auto insurance companies that accept a suspended license on your record will offer you insurance, but your rates could increase by more than 50%. In order to offset the costs of losing your license or getting into an accident, drivers should find insurance that offers competitive rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Mar 19, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 19, 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 insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- If your license is suspended, you cannot legally drive on the road
- Having a suspended license on your record could make your rates rise
- Drivers who have lost their license may be able to obtain a restricted license
If your license is suspended, you could have trouble finding a new auto insurance company; most auto insurance companies don’t accept a suspended license, and you most certainly can’t get auto insurance without a license.
Of course, there are exceptions to every rule, and if you can obtain a restricted license, you can still get coverage for your vehicle. While it may be a struggle to find auto insurance quotes from auto insurance companies that accept a suspended license, you can still find great quotes online.
It’s hard to find auto insurance companies that accept a suspended license, but enter your ZIP code to get free quotes from other great companies today.
Can drivers get auto insurance with a suspended license?
Is your license suspended for lack of insurance or because of a DUI? Unfortunately, you’ll face some trouble when trying to get new insurance no matter why your license is suspended.
Read more: DUI Car Insurance
Insurance companies examine many things when deciding which drivers to cover and your driving history plays a large role in this decision.
If you were to have your license suspended because of reckless driving or an accumulation of points on your license, that may designate you as a high-risk driver, and an insurance company could either offer you incredibly high rates or refuse to cover you altogether.
The bottom line is, if you don’t have an active license, it’s illegal for you to be on the road, and an insurance company will view you as a high-risk driver who could be expensive to insure.
Now, if you’ve lost your license but live in an area where you can’t take public transit to get to, say, the doctor’s office for appointments, you may be able to qualify for a restricted license and get insurance coverage too.
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How can drivers get a restricted license?
If you were to get a DUI, you may be able to get a restricted driver’s license. While having a suspended license means you cannot drive at all, a restricted license lets you get back out on the road with, not surprisingly, restrictions.
Auto insurance for restricted license holders is available, but it could be quite expensive since you will most likely be seen as a high-risk driver.
With such a license in hand, you’ll only be able to drive at certain times and to certain locations like work, school, medical appointments, or to the grocery store. You may even have to install a car breathalyzer depending on the reason your license was suspended.
This type of license isn’t available everywhere. If your license is suspended and you live in these states, you could be able to get a restricted license:
- California
- Iowa
- Texas
- Virginia
- Washington
Bear in mind that the process to get a restricted license will vary from state to state, but restricted licenses are usually granted on a case-by-case basis from a court or state administrative agency.
Make sure you follow the rules of your state when using a restricted license; if you don’t, you could face fines, jail time, or the total loss of your driving privileges.
How much does auto insurance cost with a suspended license violation?
Can insurance companies see if your license is suspended? Yes, they can, and having a suspended license violation on your record can cause your insurance rates to jump by more than 50%.
This blemish on your driving record may affect your rates for at least three years depending on where you live.
Auto insurance rates from auto insurance companies that accept a suspended license will most likely be high, but if you have a checkered driving history, that doesn’t mean you should forgo getting adequate coverage.
Take a look at this list of the best providers in each state so you can find the best insurance company for you:
The Top Ten Insurance Providers' Rates by State
| State | Average by State | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $3,566.96 | $3,311.52 | Data Not Available | $4,185.80 | $2,866.60 | $4,005.48 | $2,662.66 | $4,450.52 | $4,798.15 | $3,697.80 | $2,124.09 |
| Alaska | $3,421.51 | $3,145.31 | $4,153.07 | Data Not Available | $2,879.96 | $5,295.55 | Data Not Available | $3,062.85 | $2,228.12 | Data Not Available | $2,454.21 |
| Arizona | $3,770.97 | $4,904.10 | Data Not Available | $5,000.08 | $2,264.71 | Data Not Available | $3,496.08 | $3,577.50 | $4,756.25 | $3,084.74 | $3,084.29 |
| Arkansas | $4,124.98 | $5,150.03 | Data Not Available | $4,257.87 | $3,484.63 | Data Not Available | $3,861.79 | $5,312.09 | $2,789.03 | $5,973.33 | $2,171.06 |
| California | $3,688.93 | $4,532.96 | Data Not Available | $4,998.78 | $2,885.65 | $3,034.42 | $4,653.19 | $2,849.67 | $4,202.28 | $3,349.54 | $2,693.87 |
| Colorado | $3,876.39 | $5,537.17 | $3,733.02 | $5,290.24 | $3,091.69 | $2,797.74 | $3,739.47 | $4,231.92 | $3,270.77 | Data Not Available | $3,338.87 |
| Connecticut | $4,618.92 | $5,831.60 | Data Not Available | Data Not Available | $3,073.66 | $7,282.87 | $3,672.34 | $4,920.35 | $2,976.24 | $6,004.29 | $3,190.00 |
| Delaware | $5,986.32 | $6,316.06 | Data Not Available | Data Not Available | $3,727.29 | $18,360.02 | $4,330.21 | $4,181.83 | $4,466.85 | $4,182.36 | $2,325.98 |
| District of Columbia | $4,439.24 | $6,468.92 | Data Not Available | Data Not Available | $3,692.81 | Data Not Available | $4,848.98 | $4,970.26 | $4,074.05 | Data Not Available | $2,580.44 |
| Florida | $4,680.46 | $7,440.46 | Data Not Available | Data Not Available | $3,783.63 | $5,368.15 | $4,339.60 | $5,583.30 | $3,397.67 | Data Not Available | $2,850.41 |
| Georgia | $4,966.83 | $4,210.70 | Data Not Available | Data Not Available | $2,977.20 | $10,053.44 | $6,484.90 | $4,499.22 | $3,384.88 | Data Not Available | $3,157.46 |
| Hawaii | $2,555.64 | $2,173.49 | Data Not Available | $4,763.82 | $3,358.86 | $3,189.55 | $2,551.83 | $2,177.93 | $1,040.28 | Data Not Available | $1,189.35 |
| Idaho | $2,979.09 | $4,088.76 | $3,728.79 | $3,168.28 | $2,770.68 | $2,301.51 | $3,032.19 | Data Not Available | $1,867.96 | $3,226.29 | $1,877.61 |
| Illinois | $3,305.48 | $5,204.41 | $3,815.31 | $4,605.20 | $2,779.16 | $2,277.65 | $2,711.81 | $3,536.65 | $2,344.88 | $2,499.76 | $2,770.21 |
| Indiana | $3,414.97 | $3,978.81 | $3,679.68 | $3,437.55 | $2,261.07 | $5,781.35 | Data Not Available | $3,898.00 | $2,408.94 | $3,393.75 | $1,630.86 |
| Iowa | $2,981.28 | $2,965.86 | $3,021.81 | $2,435.72 | $2,296.16 | $4,415.28 | $2,735.44 | $2,395.50 | $2,224.51 | $5,429.38 | $1,852.57 |
| Kansas | $3,279.62 | $4,010.23 | $2,146.40 | $3,703.77 | $3,220.65 | $4,784.42 | $2,475.59 | $4,144.38 | $2,720.00 | $4,341.43 | $2,382.61 |
| Kentucky | $5,195.40 | $7,143.92 | Data Not Available | Data Not Available | $4,633.59 | $5,930.97 | $5,503.23 | $5,547.63 | $3,354.32 | $6,551.68 | $2,897.89 |
| Louisiana | $5,711.34 | $5,998.79 | Data Not Available | Data Not Available | $6,154.60 | Data Not Available | Data Not Available | $7,471.10 | $4,579.12 | Data Not Available | $4,353.12 |
| Maine | $2,953.28 | $3,675.59 | Data Not Available | $2,770.15 | $2,823.05 | $4,331.39 | Data Not Available | $3,643.59 | $2,198.68 | $2,252.97 | $1,930.79 |
| Maryland | $4,582.70 | $5,233.17 | Data Not Available | Data Not Available | $3,832.63 | $9,297.55 | $2,915.69 | $4,094.86 | $3,960.87 | Data Not Available | $2,744.14 |
| Massachusetts | $2,678.85 | $2,708.53 | Data Not Available | Data Not Available | $1,510.17 | $4,339.35 | Data Not Available | $3,835.11 | $1,361.86 | $3,537.94 | $1,458.99 |
| Median | $3,660.89 | $4,532.96 | $3,698.77 | $3,907.99 | $3,073.66 | $5,295.55 | $3,187.20 | $3,935.36 | $2,731.48 | $3,729.32 | $2,489.49 |
| Michigan | $10,498.64 | $22,902.59 | Data Not Available | $8,503.60 | $6,430.11 | $20,000.04 | $6,327.38 | $5,364.55 | $12,565.52 | $8,773.97 | $3,620.00 |
| Minnesota | $4,403.25 | $4,532.01 | $3,521.29 | $3,137.45 | $3,498.54 | $13,563.61 | $2,926.49 | Data Not Available | $2,066.99 | Data Not Available | $2,861.60 |
| Mississippi | $3,664.57 | $4,942.11 | Data Not Available | Data Not Available | $4,087.21 | $4,455.94 | $2,756.53 | $4,308.85 | $2,980.48 | $3,729.32 | $2,056.13 |
| Missouri | $3,328.93 | $4,096.15 | $3,286.90 | $4,312.19 | $2,885.33 | $4,518.67 | $2,265.35 | $3,419.14 | $2,692.91 | Data Not Available | $2,525.78 |
| Montana | $3,220.84 | $4,672.10 | Data Not Available | $3,907.55 | $3,602.35 | $1,326.11 | $3,478.26 | $4,330.76 | $2,417.74 | Data Not Available | $2,031.89 |
| Nebraska | $3,283.68 | $3,198.83 | $2,215.13 | $3,997.29 | $3,837.49 | $6,241.52 | $2,603.94 | $3,758.01 | $2,438.71 | Data Not Available | $2,330.78 |
| Nevada | $4,861.70 | $5,371.62 | $5,441.18 | $5,595.56 | $3,662.09 | $6,201.55 | $3,477.14 | $4,062.57 | $5,796.34 | $5,360.41 | $3,069.07 |
| New Hampshire | $3,151.77 | $2,725.01 | Data Not Available | Data Not Available | $1,615.02 | $8,444.41 | $2,491.10 | $2,694.45 | $2,185.46 | Data Not Available | $1,906.96 |
| New Jersey | $5,515.21 | $5,713.58 | Data Not Available | $7,617.00 | $2,754.94 | $6,766.62 | Data Not Available | $3,972.72 | $7,527.16 | $4,254.49 | Data Not Available |
| New Mexico | $3,463.64 | $4,200.65 | Data Not Available | $4,315.53 | $4,458.30 | Data Not Available | $3,514.38 | $3,119.18 | $2,340.66 | Data Not Available | $2,296.77 |
| New York | $4,289.88 | $4,740.97 | Data Not Available | Data Not Available | $2,428.24 | $6,540.73 | $4,012.93 | $3,771.15 | $4,484.58 | $4,578.79 | $3,761.69 |
| North Carolina | $3,393.11 | $7,190.43 | Data Not Available | Data Not Available | $2,936.69 | $2,182.71 | $2,848.03 | $2,382.61 | $3,078.65 | $3,132.66 | Data Not Available |
| North Dakota | $4,165.84 | $4,669.31 | $3,812.40 | $3,092.49 | $2,668.24 | $12,852.83 | $2,560.35 | $3,623.06 | $2,560.53 | Data Not Available | $2,006.80 |
| Ohio | $2,709.71 | $3,197.22 | $1,515.17 | $3,423.01 | $1,867.19 | $4,429.74 | $3,300.89 | $3,436.96 | $2,507.88 | $3,135.16 | $1,478.46 |
| Oklahoma | $4,142.33 | $3,718.62 | Data Not Available | $4,142.40 | $3,437.34 | $6,874.62 | Data Not Available | $4,832.35 | $2,816.80 | Data Not Available | $3,174.15 |
| Oregon | $3,467.77 | $4,765.95 | $3,527.28 | $3,753.52 | $3,220.12 | $4,334.55 | $3,176.83 | $3,629.13 | $2,731.48 | $2,892.19 | $2,587.15 |
| Pennsylvania | $4,034.50 | $3,984.12 | Data Not Available | Data Not Available | $2,605.22 | $6,055.20 | $2,800.37 | $4,451.00 | $2,744.23 | $7,842.47 | $1,793.37 |
| Rhode Island | $5,003.36 | $4,959.45 | Data Not Available | Data Not Available | $5,602.63 | $6,184.12 | $4,409.63 | $5,231.09 | $2,406.51 | $6,909.45 | $4,323.98 |
| South Carolina | $3,781.14 | $3,903.43 | Data Not Available | $4,691.85 | $3,178.01 | Data Not Available | $3,625.49 | $4,573.08 | $3,071.34 | Data Not Available | $3,424.77 |
| South Dakota | $3,982.27 | $4,723.72 | $4,047.47 | $3,768.80 | $2,940.29 | $7,515.99 | $2,737.66 | $3,752.81 | $2,306.23 | Data Not Available | Data Not Available |
| Tennessee | $3,660.89 | $4,828.85 | Data Not Available | $3,430.07 | $3,283.42 | $6,206.69 | $3,424.96 | $3,656.91 | $2,639.30 | $2,738.52 | $2,739.28 |
| Texas | $4,043.28 | $5,485.44 | $4,848.72 | Data Not Available | $3,263.28 | Data Not Available | $3,867.55 | $4,664.69 | $2,879.94 | Data Not Available | $2,487.89 |
| Utah | $3,611.89 | $3,566.42 | $3,698.77 | $3,907.99 | $2,965.57 | $4,327.76 | $2,986.57 | $3,830.10 | $4,645.83 | Data Not Available | $2,491.10 |
| Vermont | $3,234.13 | $3,190.38 | Data Not Available | Data Not Available | $2,195.71 | $3,621.08 | $2,128.21 | $5,217.14 | $4,382.84 | Data Not Available | $1,903.55 |
| Virginia | $2,357.87 | $3,386.80 | Data Not Available | Data Not Available | $2,061.53 | Data Not Available | $2,073.00 | $2,498.58 | $2,268.95 | Data Not Available | $1,858.38 |
| Washington | $3,059.32 | $3,540.52 | $3,713.02 | $2,962.00 | $2,568.65 | $3,994.73 | $2,129.84 | $3,209.52 | $2,499.78 | Data Not Available | $2,262.16 |
| West Virginia | $2,595.36 | $3,820.68 | Data Not Available | Data Not Available | $2,120.80 | $2,924.39 | Data Not Available | Data Not Available | $2,126.32 | Data Not Available | $1,984.62 |
| Wisconsin | $3,606.06 | $4,854.41 | $1,513.27 | $3,777.49 | $3,926.20 | $6,758.85 | $5,224.99 | $3,128.91 | $2,387.53 | Data Not Available | $2,975.74 |
| Wyoming | $3,200.08 | $4,373.93 | Data Not Available | $3,069.35 | $3,496.56 | $1,989.36 | $3,187.20 | $4,401.17 | $2,303.55 | Data Not Available | $2,779.53 |
As you can see, the cost for insurance varies from company to company so you can still find affordable auto insurance companies that accept a suspended license if you can provide proof you have been granted a restricted license in the meantime.
Auto Insurance Companies That Accept a Suspended License: The Bottom Line
If you want to buy auto insurance from auto insurance companies that accept a suspended license, you could be facing an uphill battle since not having an active license means you cannot legally operate a vehicle.
Of course, if you have a restricted license or have recently regained your driving privileges, you can certainly find insurance, but it could be expensive.
The best course of action any driver can take is to find an insurance company that offers great coverage at great prices.
Enter your ZIP code to start comparing free quotes from auto insurance companies that accept a suspended license violation on your record today.
Compare Quotes From Top Companies and Save
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.