Insurance Requirements for a Driver With a Suspended License 

Even if you are not legally allowed to drive, you may still need to carry auto insurance. This requirement often depends on the reason for the suspension and the regulations in your state. For example, if your license was suspended due to a DUI, reckless driving or failure to maintain insurance, you may be required to file a certificate of financial responsibility, such as an SR-22, to demonstrate that you meet the minimum liability coverage required by law.

Your insurance company typically submits this filing to the state’s Department of Motor Vehicles. It serves as proof that you have active coverage. Without it, your license reinstatement may be delayed or denied.

How a Suspension Affects Your Insurance

A suspended license can have a direct impact on your insurance premium. Insurers often view suspensions as signs of increased risk, which may lead to higher rates. The specific increase depends on the nature of the offense, your driving history and your location.

In some cases, your current insurer may choose not to renew your policy or may cancel it. If that happens, you must find a provider that offers coverage for high-risk drivers and supports SR-22 filings if required. Not all companies provide this service, so working with an agent who can help you find a suitable option is essential.

Your premium may stabilize over time once your suspension period ends and you’ve met all reinstatement requirements. Maintaining continuous coverage and avoiding further violations can help improve your standing with insurers and potentially lead to more favorable rates.

Learn More

If your license has been suspended and you’re unsure about your insurance obligations, contact Cinco Seguros to discuss your options and next steps.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.