Carrier vs. Carrier Comparisons
Geico, USAA, and Nationwide are the top providers of cheap car insurance for drivers with a suspended license.
You can still get car insurance with a suspended license, thanks to companies that specialize in high-risk policies. These insurers make it possible to find affordable coverage even if your license isn’t currently active.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $52 | A++ | Affordable Rates | Geico |
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#2 | $55 | A++ | Military Families | USAA |
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#3 | $57 | A+ | Custom Plans | Nationwide |
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#4 | $58 | A+ | High-Risk Drivers | Progressive |
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#5 | $60 | A | Comprehensive Plans | Liberty Mutual |
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#6 | $62 | B | Reliable Service | State Farm |
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#7 | $63 | A | Personalized Service | Farmers |
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#8 | $65 | A | Non-Standard Policies | The General |
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#9 | $66 | A+ | SR-22 Coverage | Dairyland |
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#10 | $68 | A | Flexible Payment | SafeAuto |
Keep reading to learn how these providers help you maintain legal compliance and financial protection while saving money on car insurance.
Affordable auto insurance rates are just a click away. Enter your ZIP code into our free quote tool above to find the best policy for you.
What You Should Know
- Make sure you understand the legal requirements for insuring suspended licenses
- Geico offers competitive rates starting at $52/month for high-risk drivers
- Nationwide and Dairyland have the best SR-22 insurance rates
#1 – Geico: Top Pick Overall
Pros
- Affordable Rates: Geico offers cheap prices, which helps to bring auto insurance within the reach of drivers who are currently on a suspended license.
- Efficient Claims Process: Geico helps simplify online insurance claims during a suspension. Check out these tips for filing a car insurance claim
- Extensive Online Tools: If you need car insurance with a suspended license, Geico makes it easy to manage your policy with some of the best tools available online and on mobile.
Cons
- Variable Customer Service: Your experience with buying car insurance on a suspended license can differ depending on the state, as customer service standards vary.
- Less Flexible Policies: You might find fewer customization options than other high-risk insurance providers.
#2 – USAA: Cheapest for Military Families
Pros
- Military-Focused Discounts: USAA has large discounts and special services for military families, even those who happen to have a suspended license.
- Support During Deployment: Special provisions for service members with suspended licenses due to deployment-related issues.
- Exceptional Customer Service: Our USAA review highlights the company's high-quality support for auto insurance with a suspended license.
Cons
- Limited Eligibility: Only available to military personnel and their families.
- Limited In-Person Service: USAA car insurance after a suspended license is handled mostly online with very few local agents available for in-person services.
#3 – Nationwide: Cheapest Custom Plans
Pros
- Customizable Coverage: They cater to all drivers but have a custom plan for those who are looking into car insurance with a suspended license.
- Flexible Deductibles: Nationwide has flexible plans designed for drivers who have their license suspended.
- Accident Forgiveness: Based on our Nationwide review, the company is helpful for maintaining reasonable rates after license reinstatement.
Cons
- Potentially Higher Costs: Personalized plans cost extra, though, and that may not suit all drivers with a suspended license.
- Complex Options: Wide range of choices can be overwhelming without detailed.
#4 – Progressive: Best for High-Risk Drivers
Pros
- High-Risk Specialization: Progressive is great for high-risk drivers because they offer custom policies that ensure coverage even in the case of a suspended license.
- Flexible Policy Terms: Progressive review shows flexible policies for complicated driving histories and license suspensions.
- Snapshot Program: Once your license is reinstated, you may qualify for lower rates, with premiums adjusted based on your actual driving performance.
Cons
- Higher Initial Rates: Rates may start higher until the benefits of behavior-based programs like Snapshot kick in.
- Inconsistent Customer Service: Quality of service can vary, which might affect support during claims.
#5 – Liberty Mutual: Cheapest Comprehensive Plans
Pros
- Wide Coverage Options: Liberty Mutual provides thorough protection for drivers with a suspended license extensive coverage options.
- Customizable Endorsements: See our Liberty Mutual review to explore how add-ons enhance coverage to fit unique needs during a license suspension.
- Accident Forgiveness: Prevents high-risk insurance rate increases after the first at-fault accident.
Cons
- Higher Premiums: More coverage usually means having to pay a higher premium.
- Premium Variability: News of surprise raises could lead to long-term impact on budgeting for those who drive with a suspended license.
#6 – State Farm: Best Reliable Service
Pros
- Strong Agent Network: Local agents offer reliable customer service and support policies for managing insurance on suspended licenses.
- Excellent Claims Handling: State Farm ranks top five for car insurance claims handling. Read our State Farm review for full ratings.
- Competitive Discounts: Provides a variety of discounts that might help lower car insurance rates for drivers without licenses.
Cons
- Comparatively Higher Rates: May have higher premiums compared to other high-risk insurers.
- Less High-Risk Focus: Some offerings are less tailored to drivers with suspended licenses than more specialized providers.
#7 – Farmers: Cheapest Personalized Service
Pros
- Individualized Service: Farmers agents understand how to assist drivers with a suspended license as they look for car insurance.
- Flexible Payment Options: In our Farmers review, we highlight how the company helps manage insurance costs effectively during suspension periods.
- Variety of Discounts: Existing discounts are more than enough to drive premiums down for suspended license holders.
Cons
- Higher Base Rates: Base prices may be more expensive than those of competitors.
- Complex Coverage Options: Extensive choices require careful navigation, which might be challenging without agent help.
#8 – The General: Cheapest Non-Standard Policies
Pros
- Specialty in Non-Standard Policies: Caters specifically to high-risk drivers with a suspended license, offering relevant coverage options.
- Competitive Rates for High-Risk: Explore our The General review to compare affordable rates for drivers with suspended licenses.
- Efficient Claims Handling: Easier process in place that’s helping drivers with suspended licenses manage their claims with way less stress and frustration.
Cons
- Variable Service Quality: The quality of customer support can really vary, which can sometimes impact how satisfied people feel with the service overall.
- Limited Additional Benefits: Spending time on non-standard policies may take away from making broader benefits available.
#9 – Dairyland: Cheapest SR-22 Coverage
Pros
- Expertise in SR-22 Filing: Makes it much easier to get an SR-22 certificate in a hurry, and that can be the difference between being able to drive with your suspended license.
- Adaptable Payment Plans: Offers payment flexibility, easing the financial burden during suspension periods.
- High-Risk Coverage Specialization: According to our Dairyland review, the company focuses on providing affordable options for high-risk drivers.
Cons
- State Availability Limitations: Drivers with a suspended license will only find Dairyland in 38 states.
- Fewer Discount Opportunities: May not offer as many discounts to drivers with suspended licenses as larger insurers.
#10 – SafeAuto: Best for Flexible Payments
Pros
- Extremely Flexible Payment Terms: Offer the potential for payment from riders who have had their license suspended and are not in a position to be driving otherwise.
- Tailored High-Risk Policies: Insurance policies are specifically designed for people with suspended licenses.
- Competitive Pricing: View our SafeAuto reviews to learn how the company offers some of the best rates for drivers needing SR-22 and other high-risk coverages.
Cons
- Less Comprehensive Coverage: May offer fewer coverage options compared to larger insurers.
- Mixed Customer Service Reviews: Inconsistent service experiences could impact interactions during policy management and claims.
Compare Affordable Car Insurance for Suspended Licenses to Save
Dealing with a suspended license makes finding affordable car insurance tricky, but it’s not out of reach. Providers like Geico, USAA, and Nationwide have options that work for high-risk drivers, with plans to help you stay covered and meet legal requirements.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
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$66 | $145 |
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$63 | $137 |
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$52 | $120 |
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$60 | $132 |
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$57 | $128 |
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$58 | $130 |
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$68 | $150 |
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$62 | $135 |
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$65 | $140 |
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$55 | $125 |
It's worth comparing what each high-risk insurance company offers so you can find something that fits your budget and keeps you legally compliant. Fortunately, you can get free online car insurance quotes without too much hassle.
Geico, USAA, and other popular companies also offer specific discounts to help lower your car insurance premium. It's worth comparing the discounts available to you, particularly in cases associated with suspended licenses.
| Insurance Company | Available Discount |
|---|---|
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Bundling, Defensive Driving, Motorcycle |
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Bundling, Signal App, Defensive Driving |
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Multi-Vehicle, Military, Defensive Driving |
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Bundling, Military, Anti-Theft |
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Bundling, SmartRide, Defensive Driving |
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Bundling, Continuous Coverage, Snapshot |
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Bundling, Defensive Driving, Paid-in-Full |
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Bundling, Safe Driver, Anti-Theft |
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Bundling, Paid-in-Full, Defensive Driving |
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Multi-Vehicle, Defensive Driving, Loyalty |
Drivers can also reduce premiums by upping deductibles, raising credit scores, and taking defensive driving courses. Yes, it is very important to keep a good driving track. We need to take into consideration as well the amount of time that offenses (such as DUIs) impact rates.
Car Insurance Coverage Options for Drivers With a Suspended License
A suspended license is typically a result of serious infractions that are difficult to get car insurance, such as DUIs or an overage of traffic incidents. A bad driving record means that insurers view you as high-risk and can deny selling or renewing a policy to do so.
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— Clearsurance (@clearsurance) December 8, 2021
The good news is you can still find car insurance by checking quotes from companies that offer high-risk policies. In some states, you’ll need to file an SR-22 or FR-44 form to show you’re financially responsible, but many of the companies on this list will file it for you.
Knowing how these forms work and what impacts your insurance rates will help you stay covered and maintain a clean driving record, which is essential to get your license back sooner.
Expert Guide to Buying Car Insurance After a Suspended License
Geico, USAA, and Nationwide have the best cheap car insurance for drivers with a suspended license. Geico has the cheapest high-risk car insurance rates after a suspended license at $55/month, but USAA offers competitive coverage to military members.
Dealing with car insurance after a license suspension isn’t easy, but taking the right steps can help you avoid bigger headaches. Start by getting car insurance quotes online to compare options and find a plan that works for your budget.
Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.
Frequently Asked Questions
Can you get car insurance with a suspended license?
Some insurance companies offer high-risk policies, like SR-22 insurance, for drivers with suspended licenses. These policies are usually more expensive but provide the necessary coverage to maintain legal compliance.
Are unlicensed drivers covered by insurance?
Most insurance policies do not cover unlicensed drivers. Driving without a valid license could void your policy, leaving you responsible for any damages or legal consequences.
How long does a suspended license stay on your record?
How long a license suspension stays on your record varies by state. Typically, it can stay on your driving record for 3 to 10 years, depending on the severity of the offense. Enter your ZIP code below to see how much auto insurance costs with a suspended license on your record.
Will insurance cover an accident if your license is suspended?
Insurance companies will cover you as long as you are honest on your application and buy the correct car insurance coverage with a suspended license. If you are involved in a collision, follow these five steps to take after a car accident.
Can insurance tell if your license is suspended?
Yes, insurance companies routinely check the status of your driving record at renewal. If your license is suspended, your insurer may cancel your policy or raise your premiums.
Can you buy a car with a suspended license?
You can still buy a car with a suspended license, but you won’t be able to drive or register it until you either get your license back or secure a restricted one.
Can you register a car with a suspended license?
In many states, you can’t register a vehicle if your license is suspended. Some states may require you to get your driving privileges back or apply for a restricted license before you can move forward. It’s important to keep this in mind when checking out car insurance companies that cover any car you drive.
How do you get a suspended license reinstated?
To restore a suspended license, you usually must settle any unpaid fines, fulfill any court-mandated programs, and submit evidence of insurance (such as an SR-22), depending on the suspension's cause.
How much does it cost to clear a suspended license for no insurance?
Reinstating a suspended license for not having insurance costs different amounts depending on the state. You might pay anywhere from $50 to a few hundred dollars, depending on things like administrative fees, unpaid fines, and whether you need SR-22 insurance.
What is the penalty for driving on a suspended license?
If you drive on a suspended license, you could face steep fines, a longer suspension, vehicle impoundment, or even jail time, depending on the state and how serious the violation is.