What is the cheapest car insurance with a suspended license?

Asked by: Gisselle Gibson  |  Last update: July 7, 2025
Score: 5/5 (14 votes)

It's possible to get car insurance with a suspended license, but it's expensive. Progressive and National General have the cheapest car insurance for a suspended license. Your lender and state laws may require you to stay insured with a suspended license.

How does a suspended license affect car insurance?

Higher Insurance Rates

A suspension can significantly increase your rates, even after reinstatement. Insurance companies view drivers with suspensions as higher risk, leading to potentially steeper premiums.

What insurance is best for a bad driving record?

Best car insurance for high-risk drivers
  • Best for teen drivers: State Farm.
  • Best for at-fault accidents: Erie.
  • Best for speeding tickets: Geico.
  • Best for DUI/DWI: Progressive.
  • Best for bad credit: Dairyland.
  • Best for discounts: First Acceptance.
  • Best for military members and veterans: USAA.

Does a suspended license go on your record?

Your driving record is forever, and there are ways that it can seep into your personal life. Traffic violations, accidents, DUI convictions, and license suspensions are all kept track of on your driving record.

Who typically has the cheapest insurance?

Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.

How to Find Insurance With a Suspended License : Basic Insurance Advice

37 related questions found

Which type of car insurance is the cheapest?

Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circumstances.

Who is cheaper, Geico or Progressive?

GEICO is cheaper and has better ratings than Progressive. Your experience with GEICO and Progressive will vary based on individual rating factors.

Can cops tell if you have a suspended license?

The officer will only be able to see the driver's driving record. So, if someone drives your car and a cop runs your plates, your driving record will not pop up showing that your license is suspended. However, if the driver does not have a valid license, they may be cited or arrested.

What is the cheapest car insurance after license suspension?

Progressive and National General have the cheapest liability car insurance for a suspended license with a major violation. Progressive's rates average $91 a month. This is slightly less than National General's average of $104 a month. State Farm has the cheapest liability quotes for a minor violation suspension.

How to get car insurance when no one will insure you?

If you're denied insurance, the first step is to call another insurer—different companies have different parameters. However, if several insurers have denied you, you may need to consider these options: Join a state assigned risk pool – Auto insurers participate on a voluntary basis in state assigned risk pools.

How do I clean my driving record for insurance?

How to clean up your driving record
  1. Take a defensive driving course. Many states will remove points or minor infractions from your driving record if you complete a defensive driving course. ...
  2. Dispute errors on your driving record. ...
  3. Contest your ticket. ...
  4. Fix minor issues immediately. ...
  5. Expunge your record. ...
  6. Seek a deferment.

What percentage of drivers have a suspended license?

Although no national estimates exist, the limited state-level estimates that exist suggest that 5% to 17% of all licensed drivers have a suspended license at any given time, of which up to 80% are for a non-driving-related offense.

What state has the most suspended licenses?

1. North Dakota. North Dakota has the smallest number of licensed drivers of any state on the list, but it has the highest percentage of suspended or revoked licenses.

What does a cop see when they run your license?

Driving History

Driving Record: This is a crucial element. It reveals previous traffic violations, accidents, points accrued on your license, and any driving suspensions or revocations. The severity and frequency of past offenses are carefully reviewed. Outstanding Warrants: This is potentially the most serious aspect.

In what state can you get a license if you're suspended in another one?

Although there are exceptions, in general, you cannot get a valid driver's license in a new state if you have a suspended license in another state. There are several reasons why people lose their driving privileges, including: Driving under the influence.

Why do cops follow you but not pull?

Instead, the general rule is that police are allowed to follow you for a reasonable distance to observe your driving and determine if a traffic stop needs to be conducted. As you might imagine, a reasonable distance is interpretative and will vary based on the specifics of the situation.

Is Allstate cheaper than GEICO?

GEICO is much cheaper and has better ratings than Allstate. Your experience with GEICO and Allstate will vary based on individual rating factors.

What is accident forgiveness?

What is Accident Forgiveness? Available in select states, Accident Forgiveness is an auto insurance coverage option that potentially helps you avoid a rate increase after your first at-fault accident. Others on your policy can also benefit from Accident Forgiveness. But it can only be used once per policy.

How do I get lower car insurance?

Nine ways to lower your auto insurance costs
  1. Shop around. ...
  2. Before you buy a car, compare insurance costs. ...
  3. Ask for higher deductibles. ...
  4. Reduce coverage on older cars. ...
  5. Buy your homeowners and auto coverage from the same insurer. ...
  6. Maintain a good credit record. ...
  7. Take advantage of low mileage discounts. ...
  8. Ask about group insurance.

What insurance group is the cheapest?

If you're thinking of buying or insuring a car, it's worth knowing that cars in insurance group 1 are the cheapest to insure. If you're thinking of buying or insuring a car, it's worth knowing that cars in insurance group 1 are the cheapest to insure.

What is the cheapest reliable car to insure?

The Honda CR-V, Mazda CX-5, Jeep Wrangler and Subaru Outback are the cheapest cars to insure. All three have full coverage rates under $250 per month, on average.

What is the hardest state to get your license in?

According to a study done by a personal injury law firm Zanes Law, the two states bordering Washington, D.C. – Virginia and Maryland – are the two hardest states in the country to get a driver's license in!

How many people in the US have a suspended license?

Nearly 11 million people in the United States have faced driver's license suspensions, not because they are dangerous drivers, but due to debt-based reasons, such as failure to pay traffic fines or court fees, failure to appear in court or pay child support.

Which state has the toughest driving laws?

Strictest driving laws and car accidents by state

Alaska and Oregon take the No. 1 rank for the strictest driving laws, based on our analysis of drunk driving, seatbelt and speeding laws. If you're caught zooming above the speed limit in Alaska, you could be pinned with fines anywhere from $250 to $2,000.