Suspended License Coverage

It may seem silly to have car insurance with a suspended license, since you won’t be able to drive. But canceling your insurance leads to a coverage lapse, which leads to higher rates down the line. Finding suspended license insurance at an affordable rate can be challenging, but can ultimately save you money.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 21, 2021

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The Highlights

  • If your license is suspended, your current car insurance will likely expire after the end of the current term
  • Many major insurance providers will not approve coverage for a driver with a suspended license
  • Canceling your insurance while you aren’t driving may save you money now
  • But any lapses in insurance coverage can raise your rates down the road
  • You may need to seek non-traditional insurers for affordable suspended license insurance

Getting your license suspended comes with a lot of frustrations. It’s illegal to drive while your license is suspended. You’ll most likely face fees and fines associated with the suspension and reinstation, and your insurance rates may go up.

But do you even need car insurance when your license is suspended?

Before we get into explaining all the ins and outs of suspended license insurance, enter your ZIP code to compare the cheapest rates today.

What does a license suspension mean?

When your license is suspended, it means that it is temporarily invalid. Driving with a suspended license is illegal, just like driving without a license.

All 50 states have a penalty for driving without a license, or while your license is suspended or revoked:

State Penalties for Driving Without a License
StatesCitationPenalties
Alabama§32-6-19Misdemeanor: $100-$500 fine; additional fine of $50; imprisonment for no more than 180 days; immediate vehicle impoundment; possible license suspension increase by 6 months.
Alaska§28.15.291(First Offense) Class A Misdemeanor: 10 day suspended imprisonment provided at least 80 hours of community service are completed; possible forfeiture of vehicle; license suspension increased by at least 90 days.
(Subsequent Offense) Class A Misdemeanor: Imprisonment for at least 10 days; possible forfeiture of vehicle; license suspension increased by at least 90 days.
Arizona§28-3473
§28-3511
§13-707
Class 1 Misdemeanor: Imprisonment for up to 6 months; possible vehicle impoundment.
Arkansas§27-16-303Misdemeanor: Imprisonment for between 2 days and 6 months; possible fine of not more than $500.
CaliforniaVeh. Code
§14601 and
§14602.6
(First Offense): Imprisonment for between 5 days and 6 months; $300-$1000 fine.
(Subsequent Offense): Imprisonment for between 10 days and 1 year; $500-$2000 fine.
Colorado§42-2-138(First Offense) Misdemeanor: Imprisonment for no more than 6 months; fine of no more than $500; license suspension increased by 1 year.
(Subsequent Offense): Driver ineligible to be issued a driver’s license for a period of three years.
Connecticut§§14-215, 14-227h(First Offense): Imprisonment for no more than 3 months, $150-$200 fine, or both.
(Subsequent Offense): Imprisonment for no more than 1 year, $200-$600 fine, or both.
Delaware21 Del. C. §2756(First Offense): Imprisonment for between 30 days and 6 months; $500-$1,000 fine; possible vehicle impoundment of at least 90 days.
(Subsequent Offense): Imprisonment for between 60 days and 1 year; $1,000-$4,000 fine; possible vehicle impoundment of at least 1 year.
District of ColumbiaND.C. Code Ann.
§ 50-1403.01
Imprisonment for no more than 1 year, fine of no more than $2,500, or both.
Florida§ 322.34
§ 775.082
§ 775.083
(First Offense) 2nd Degree Misdemeanor: Imprisonment for no more than 60 days or $500 fine.
(Second Offense) 1st Degree Misdemeanor: Imprisonment for no more than 1 year or $1,000 fine.
(Subsequent Offense) 3rd Degree Felony: Imprisonment for no more than 5 years or $5,000 fine.
Immediate vehicle impoundment.
Georgia§40-5-121(First Offense) Misdemeanor: Imprisonment for between 2 days and 1 year; possible additional fine of no more than $500.
(Second or Third Offenses) High and Aggravated Misdemeanor: Imprisonment for between 10 days and 1 year; possible additional fine of $1,000-$2,500.
(Fourth or Subsequent Offenses) Felony: Imprisonment for 1-5 years; possible addition fine of $2,500-$5,000.
License suspension increase of 6 months. Reinstatement fees of:
(First Offense): $210, or $200 if paid by mail.
(Second Offense) $310, or $300 if paid by mail.
(Subsequent Offenses) $410, or $400 if paid by mail.
GuamNo Information
Hawaii§291E-62*This statute applies to drivers who have had their license revoked, suspended, or cancelled due to a charge of Driving Under the Influence, (DUI)
(First Offense): Imprisonment for 3-30 days; $250-$1,000 fine; license suspension increased by 1 year; additional, inapplicable penalties.
(Second Offense): Imprisonment for 30 days; $1,000 fine; license suspension increased by 2 years; additional, inapplicable penalties.
(Subsequent Offense): Imprisonment for 1 year; $2,000 fine; permanent license revocation; Additional, inapplicable penalties.
Idaho§18-8001(First Offense) Misdemeanor: Imprisonment for between 2 days and 6 months; fine of no more than $1,000; license suspension increased by 180 days.
(Second Offense): Imprisonment for between 20 days and 1 year; fine of no more than $1,000; license suspension increased by 1 year.
(Subsequent Offense): Imprisonment for between 30 days and 1 year; fine of no more than $3,000; license suspension increased by 2 years.
Illinois625 ILCS
5/6-303
730 ILCS 5/5-4.5-55
730 ILCS 5/5-4.5-45
(First Offense) Class A Misdemeanor: Imprisonment for no more than 1 year; fine of no more than $2,500.
(Subsequent Offense) Class 4 Felony: Imprisonment for 1-3 years; fine of up to $25,000.
Possible vehicle impoundment.
(Fourth or Subsequent Offenses): Possible seizure of license plate; possible vehicle immobilization.
IndianaInd. Code Ann.
§ 9-30-10-16
§ 35-50-2-7
Class 6 Felony: Imprisonment for between 6 months and 2 years, 6 months; fine of no more than $10,000.
Iowa§321.218Simple Misdemeanor: $250-$1,500 fine; license suspension increased for an additional like period or for one year, whichever is shorter.
Kansas§8-262(First Offense) Class B Nonperson Misdemeanor: Imprisonment for at least 5 days; fine of at least $100.
(Subsequent Offense) Class A Nonperson Misdemeanor: Imprisonment without eligibility for parole until completion of 5 days; fine of at least $100.
License suspension increased by 90 days.
Kentucky§ 186.620
§189A.090
§532.020
(First Offense) Class B Misdemeanor: Imprisonment for at least 90 days; license suspension increased by 6 months.
(Second Offense) Class A Misdemeanor: Imprisonment for between 90 days and 1 year; license suspension increased by 1 year.
(Third or Subsequent Offense) Class D Felony: Imprisonment for 1-5 years; license suspension revoked for additional 2 years.
Louisiana§32:415Person with a Class D or E driver’s license: Imprisonment for no more than 6 months, fine of no more than $500, or both.
Person with a Class A, B, or C driver’s license: Imprisonment for no more than 6 months, fine of no more than $5,000, or both.
(Subsequent Offense): Imprisonment for between 7 days and 6 months; fine of $300-$500; potential civil fine of no more than $1,150.
(Subsequent Offense) Class A, B, or C driver’s license: Imprisonment for between 7 days and 6 months; fine of $300-$500; potential civil fine of no more than $2,500.
License suspension increased by 1 year.
MaineTitle 29-A
§2412-A
Class E Crime
(First Offense): $250.
(Second Offense): $500.
Possible license suspension of 1 year.
Maryland§16-303
§16-402
§ 27-101
§ 27-111
(First Offense) Misdemeanor: Imprisonment for no more than 1 year, fine of no more than $1,000, or both; possible license suspension increased by no more than 1 year.
(Subsequent Offense) Misdemeanor: Imprisonment for no more than 2 years, fine of no more than $1,000, or both; possible license suspension increased by no more than 18 months if second offense, no more than 2 years for subsequent offenses.
Possible vehicle impoundment.
MassachusettsCh. 90; §23(First Offense): Imprisonment for no more than 10 days, $500-$1,000 fine, or both
(Subsequent Offense): Imprisonment for between 60 days and 1 year.
License suspension increased by 60 days.
Michigan§257.904(First Offense) Misdemeanor: Imprisonment for no more than 93 days, a fine of no more than $500, or both.
(Second Offense) Misdemeanor: Imprisonment for no more than 1 year, a fine of no more than $1,000, or both.
Cancellation of vehicle’s registration plates.
License suspension increased by like period.
Minnesota§171.24
§609.02
Misdemeanor: Imprisonment for no more than 90 days, fine of no more than $1,000, or both.
Mississippi§63-11-40Misdemeanor: Imprisonment for between 48 hours and 6 months; $200-$500 fine; license suspension increased by 6 months.
Missouri§302.321(First Offense) Class D Misdemeanor: No set term of imprisonment; not to exceed one year.
(Second Offense) Class A Misdemeanor: Imprisonment for between 6 months and 1 year.
(Subsequent Offense) Class E Felony: Imprisonment for no more than 4 years.
Montana§61-5-212Misdemeanor: Imprisonment for between 2 days and 6 months; fine of no more than $500; license suspension increased by 1 year; vehicle used is seized and rendered inoperable for 30 days.
Nebraska§60-4,108(First Offense) Class II Misdemeanor: Unable to operate any motor vehicle for 1 year; license revocation for like period.
(Second or Third Offense) Class II Misdemeanor: Unable to operate any motor vehicle for 2 year; license revocation for like period.
(Fourth or Subsequent Offense) Class I Misdemeanor: Unable to operate any motor vehicle for 2 year; license revocation for like period.
Nevada§483.560
§193.150
Misdemeanor: Imprisonment for no more than 6 months, a fine of no more than $1,000, or both.
If license (suspended), extension of suspension by like period.
If license (revoked), extension of period of ineligibility for license by 1 year.
If license (restricted), revocation of restricted license and extension of period of ineligibility for a license, permit or privilege to drive for 1 year.
These terms are to run consecutively.
New Hampshire§263:64Misdemeanor: Imprisonment for at least 1 week; fine of no more than $1,000; license suspension increased by 1 year.
New JerseyN.J.S.A.
39:3-40
(First Offense): $500 fine.
(Second Offense): Imprisonment for 1-5 days; $750 fine.
(Subsequent Offense): Imprisonment for 10 days; $1,000 fine.
License suspension increased by no more than 6 months.
New Mexico§66-5-39Misdemeanor: Imprisonment for 4-364 days; possible fine of no more than $1,000.
Possible vehicle immobilization.
New YorkV&T 511(First Offense) Misdemeanor: Imprisonment for no more than 30 days, $200-$500 fine, or both.
(Subsequent Offense) Misdemeanor: Imprisonment for no more than 180 days; fine of no less than $500.
North Carolina§20-28
N.C.G.S.A.
§15A-1340.23
(First Offense) Class 3 Misdemeanor: Imprisonment for 1-10 days; fine of no more than $200; license suspension increased by 1 year.
(Second Offense): License suspension increased by 2 years.
(Third Offense): Permanent license suspension.
North Dakota§39-06-42
§ 12.1-32-01
(First, Second or Third Offense) Class B Misdemeanor: Imprisonment for no more than 30 days, $1,500 fine, or both.
(Fourth or Subsequent Offense) Class A Misdemeanor: Imprisonment for no more than 1 year, $3,000 fine, or both.
Possible destruction of license plate.
Ohio§4507.02(First Offense) Unclassified Misdemeanor: Fine of no more than $1,000; 500 hours community service.
(Subsequent Offense) 1st Degree Misdemeanor: Imprisonment for no more than 180 days; $1,000 fine.
Possible license plate impoundment.
OklahomaTitle 47:
§6-303
Misdemeanor: Imprisonment for no more than 30 days, $50-$300 fine, or both.
(First Offense): $100-$500 fine.
(Second Offense): $200-$750 fine.
(Subsequent Offense): Imprisonment for no more than 1 year, $300-$1,000 fine, or both.
OregonOr. Rev. Stat. Ann.
§ 811.175
Class A Traffic Infraction: $220-$2,000 fine.
Possible vehicle impoundment.
Pennsylvania75 Pa. CSA
§1543
Summary Offense: $200 fine; license suspension increased by 1 year if originally suspended, 2 years if it was originally revoked.
Puerto RicoNo Information
Rhode Island§31-11-18
HB 7679 (2016)
(First Offense) Violation: $250-$500 fine.
(Second Offense): $350-$500 fine
(Subsequent Offense) Misdemeanor: Imprisonment for up to 90 days, $500-$1,000 fine, or both and license suspension up to 90 days.
South Carolina§56-1-460(First Offense): Imprisonment for no more than 30 days, $300 fine, or both.
(Second Offense): Imprisonment for no more than 60 days, $600 fine, or both.
(Subsequent Offense): Imprisonment for no more than 90 days; $1,000 fine.
South Dakota§32-12-65(Revoked) Class 1 Misdemeanor: Imprisonment for no more than 1 year; fine of no more than $2,000.
(Suspended or Cancelled) Class 2 Misdemeanor: Imprisonment for no more than 30 days; fine of no more than $500.
Tennessee§55-12-131
§55-50-504
(Non-Resident) Class B Misdemeanor: Imprisonment for not more than 6 months, fine of no more than $500, or both.
(Resident) (First Offense) Class B Misdemeanor: Imprisonment for not more than 6 months, fine of no more than $500, or both; license suspension increased by like period of time.
(Resident) (Subsequent Offense) Class A Misdemeanor: Imprisonment for not more than 11 months, 29 days, fine of no more than $2,500, or both; license suspension increased by like period of time.
TexasTex. Transp.
Code Ann.
§ 521.457;
Tex. Penal Code
Ann. § 12.23; §12.22
(First Offense) Class C Misdemeanor: Fine of no more than $500.
(Subsequent Offense) Class B Misdemeanor: Imprisonment for no more than 180 days, fine of no more than $2,000, or both.
Utah§53-3-227
§76-3-301
Class B Misdemeanor: Imprisonment of no more than 6 months; $1,000 fine.
Vermont§674(First Offense): Imprisonment for no more than 2 years, fine of no more than $5,000, or both.
(Sixth or Subsequent Offense): Imprisonment for no more 2 years, fine of $5,000, or both.
Possible seizure of license plates.
Virginia§46.2-301.1 §18.2-11Class 1 Misdemeanor: Imprisonment for no more than 12 months, fine of no more than $2,500, or both.
Washington§46.20.345Gross Misdemeanor: Imprisonment for no more than 364 days, fine of no more than $5,000, or both.
West VirginiaW. Va. Code
Ann. § 17B-4-3
(First Offense) Misdemeanor: $100-$500 fine.
(Second Offense) Misdemeanor: $100-$500 fine.
(Third or Subsequent Offense) Misdemeanor: Imprisonment for 30-90 days; $150-$500 fine.
Wisconsin§343.44(Suspended): $50-$200 fine.
(Revoked): Fine of no more than $2,500.
Vehicle may be impounded.
Wyoming§31-7-134Misdemeanor: Imprisonment for no more than 6 months, fine of no more than $750, or both.
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According to the US Department of Transportation, licenses can be suspended for a variety of reasons, and for either a definite or indefinite period of time.

Definite suspensions can be 30 or 60 days following certain traffic violations, or for accruing a certain number of points on your license.

A common cause for indefinite suspension is failing to appear before the court, or if there’s a warrant out for your arrest.

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Is my license suspended?

Wondering “how to check if my license is suspended?” Luckily, it’s pretty easy.

If your license gets suspended, you’ll be sent a notice by mail. Or, you can call or visit your local DMV for a copy of your driving record.

Your car insurance company may be notified, so you may be able to contact them for confirmation.

Do I still need car insurance with a suspended license?

Legally, you don’t have to have car insurance on a car that isn’t being driven. And since you can’t legally drive while your license is suspended, it may seem silly to pay for car insurance.

So in some cases, canceling your policy may make the most sense. However, it’s not always the best option.

Canceling your policy while your license is suspended will lead to a “gap” in your insurance coverage. Future car insurance companies will see this gap when checking your driving history, and it may cause an increase in your premium.

The money you save in the short-term by canceling your policy may end up costing you much more down the road.

What happens to my current insurance if my license is suspended?

Different insurance providers handle license suspensions in different ways. In most cases, your policy will continue through the current term before expiring.

Some policies may contain an exclusionary clause for driver suspensions. In this case, you’ll need to consult your policy information or contact your provider for details.

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How do I get car insurance with a suspended license?

So your license is suspended, and your current insurance policy is set to expire at the end of the current term. You don’t want to cancel your policy altogether to avoid a lapse in coverage. What do you do?

Unfortunately, most of even the best insurance companies won’t approve coverage for a driver with a suspended license. If your current provider won’t cover you with a suspended license, you’ll need to shop around to find someone who will.

Be aware, however, that the rates offered for suspended license car insurance will likely be higher than normal. To find affordable car insurance rates for suspended license insurance, you may need to consult non-standard insurers, like Acceptance, The General, or Titan Insurance.

How much does car insurance with a suspended license cost?

The cost of suspended license insurance depends heavily on both the insurance provider and your driving history prior to the suspension.

Even with a clean record prior to the suspension, you’ll still likely see a 30% to 125% increase in rates.

This may seem like a lot, and it is. But don’t forget that by canceling your insurance entirely while your license is suspended, you create a lapse in coverage. That lapse may lead to higher rates down the road that are just as expensive, if not more.

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The best way to find affordable suspended license car insurance is by shopping around. Enter your ZIP code now to use our free comparison tool and find the best suspended license insurance quotes.

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