Where to get car insurance with a suspended license

If you own your car outright, you might be able to lower the coverage on your vehicle during a license suspension. If you're certain you won't be driving your vehicle during your license suspension, you could remove your collision coverage.

Since this coverage protects you if you crash into another object while driving, you won't need this coverage.

You might consider continuing comprehensive coverage during your license suspension. It covers vehicle damage related to vandalism, theft, weather, and animals. Another coverage option for those storing their car in a locked garage without any severe weather concerns is storage insurance or storage coverage. This coverage is sufficient for care stored in a secure location. Remember, a license suspension is a temporary state. Make sure you follow the recommendations for maintaining car insurance to ensure you can get right back on the road once your suspension is lifted.

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Among all factors that can impact car insurance , getting a license suspension can have particularly complicated consequences. State-by-state car insurance requirements vary widely, but all states have auto insurance coverage requirements that include proof of financial responsibility or some type of car insurance. Your driving record will determine if you need high-risk car insurance. Your recent driving record history is the most important factor taken into account. This can make it difficult for you to find affordable auto insurance, since many insurance companies refuse to take the risk.

First, get a free online car insurance quote to get an idea of what your premium might be, based on your driving record and other factors.

We work with the established, major low-cost insurance companies to find you the best coverage at the best price. This is different from a cancellation. The renewal date is also when the insurance company is more likely to run your name through motor vehicle records and other informational databases. If that check reveals your driver's license has been suspended or revoked, you can bet the insurer is not going to renew your policy.

In all of these scenarios, the insurance company is required to send you a notice informing you that your coverage is to be suspended at some future date, typically at least 30 days out. Insurers cannot backdate a cancellation, even if you had lost your license earlier. If your suspension is short and your license will be reinstated by your next policy renewal, you may be able to simply park the car for the duration of the suspension. If your suspension is longer, you have some choices to make.

Insurance companies calculate rates based on the record of a licensed driver. A registered car is required to have liability insurance in every state except New Hampshire.

And if you are still making payments on the vehicle, your lender will require that you keep collision and comprehensive coverage on it as well.

One option, if you are still making car payments, is to find an insurance company that will allow you to designate another driver as the primary operator and exclude yourself from coverage. Not every company will do this, Gusner says, but many will. If you own your car outright, your other option if you lack insurance is to park the car and turn in your license plates.