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

A license suspension will affect your car insurance in one of two ways: either your rates will go up, or you’ll have a hard time finding an insurer that will cover you at all. The reason for this is that the views of insurers drivers with suspended licenses as high risk. This means they are more likely to file a claim and claims are likely to be more expensive. If your license has been 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 required by the state for high-risk drivers. It is more expensive than regular insurance and may not be available from all insurers. The best way to avoid an increase in your car insurance rates is to avoid having your license suspended in the first place. Travel 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 probably increase. But there are some things you can do to keep your rates from going through the roof. 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 want to look into getting a non-driver’s license. You can usually get one of these from your state’s DMV. With a driver’s license, you will still be able to drive, but your charges will be much lower than if you had a full driver’s license.

Finally, make sure you are in compliance with all of your suspension requirements. If you are required to take a defensive driving course or attend traffic school, be sure to do it. 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 a suspension

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

  • Penalties: You can be fined for driving without insurance. The amount of the fine will vary from state to state.
  • Jail time: You can also face jail time if you are caught driving without insurance after a suspension. The amount of jail time will also vary from state to state.
  • Suspension of your license: If you are caught driving without insurance, your license may be suspended again. This means you will not be able to legally drive in the state until the suspension is lifted.
  • Revocation of your license: In some cases, your license can be revoked if you are caught driving without insurance after a suspension. 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 your revocation period ends.

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. First, you will 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 reinstated. This may include paying a fine, completing a driver’s education course or fulfilling any other requirement.

Once you have taken care of the requirements set forth by the DMV or the court, you can then contact your car 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’ve proven that you’re a safe driver. If you are facing a license suspension, don’t despair. With a little effort, you can restore your license and get back on the road.

How much will your fees go up if you have a suspended license?

If you have a suspended license, your car insurance rates will likely increase. The amount of increase in your rates will depend on the severity of the violation and your insurance company’s policies. A DUI or other major offense will result in the highest rate increase, while a minor traffic violation may only result in a small increase. If you are caught driving without a valid license, your charges will probably 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 license suspension

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, being convicted of a DUI, or failing to pay child support. While a license suspension can be a huge inconvenience, it can also lead to an increase in car insurance rates. Sarah RouthierThe Contact Director at Compare Car Insurance suggests some tips to avoid license suspension:

  • Drive safely and obey all traffic laws. This is the best way to avoid getting points on your driving record.
  • If you are facing a court date for any reason, make sure you show up. Failure to appear in court may result in license suspension.
  • If you are behind in 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 car 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 car insurance provider to see if they offer any coverage for drivers with suspended licenses.

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