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Insurance After License Suspension

Most states require SR-22 filing for 3 years after suspension.

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How It Works

Enter your ZIP code and tell us about your suspension type
Get matched with carriers who write policies for suspended license drivers in your state
Choose your coverage and your insurer files any required SR-22 directly with your state DMV

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

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SR-22 InsuranceAn SR-22 is a certificate of financial responsibility filed by your insurer with your state's DMV. Most states require continuous SR-22 filing for 3 years after suspension—any lapse restarts the clock.

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Non-Owner SR-22Non-owner policies provide liability coverage without insuring a specific vehicle. Required in most states to reinstate a suspended license even if you don't own a car.

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Liability InsuranceCovers bodily injury and property damage you cause to others. State minimums range from $25,000/$50,000 in California to $50,000/$100,000 in Alaska—suspended drivers must meet or exceed these limits.

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Uninsured Motorist CoverageProtects you when hit by a driver with no insurance or insufficient coverage. Required in 20 states and recommended in all others, especially for high-risk drivers.

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Non-Standard Auto InsuranceSpecialty carriers write policies for drivers with suspensions, DUIs, or major violations. Rates run 60-140% higher than standard policies, depending on violation severity and state.

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Frequently Asked Questions

Do I need insurance if my license is suspended?

Yes, in most states. Courts and DMVs require proof of insurance or SR-22 filing to lift a suspension, even if you're not driving. Non-owner policies satisfy this requirement without insuring a specific vehicle.

How long does SR-22 filing last after suspension?

Typically 3 years from the date your SR-22 is filed, not from the suspension date. California, Florida, and Virginia are exceptions with shorter 3-year or immediate-release periods. Any lapse in coverage restarts the filing clock.

Which carriers insure suspended license holders?

Progressive, The General, Bristol West, and Dairyland specialize in high-risk policies. State Farm and GEICO write selective suspended license policies in some states but often decline DUI suspensions.

Do I need SR-22 or FR-44 for reinstatement?

Florida and Virginia require FR-44 for DUI suspensions—higher liability limits than SR-22. All other states use SR-22. Check your reinstatement notice or DMV letter for the specific form required.