Your driver’s license can be suspended for several reasons, from driving violations to failure to pay child support. You may still be able to get car insurance with a suspended license, but it will be expensive, and you’ll have to meet certain conditions.

You can still apply for coverage if you don’t have a policy and your license is suspended. But you must get a policy from a car insurance company that accepts high-risk drivers – many will not.

You will also need to show that your license suspension is for a short period of time, say, 30 days, compared to a year. Once your driving privileges are restored, you must show proof of reinstatement to your insurer.

If you have a long-term suspension, you can find a car insurance company that will allow you to buy a policy with another person named as the primary driver. You will not be listed on the policy until you get your license back.

What are the causes of a suspended license?

Driver’s licenses can be revoked for several driving violations – and non-driving violations as well.

Driving violations that can result in license suspension:

  • Reckless or careless driving
  • Failure to comply with implied consent laws
  • DUI
  • Leaving the scene of an accident
  • Drag racing
  • Assault of another motorist, pedestrian, passenger or bicyclist

Non-driving violations that can result in driver’s license suspension:

  • Failure to pay child support
  • Drug offense conviction (excluding DUI)
  • Failure to appear in court
  • Failure to pay DMV fees or fines
  • Use of altered/fictitious license plates or driver’s license
  • For minors: Non-DUI alcohol/drug offenses, truancy or juvenile delinquency

To explain their options, traffic courts typically inform drivers of their suspension before the official suspension start date.

But you’re probably wondering what to do if your license is suspended. We’re here to help.

How long does a suspended license stay on your record?

The laws in your state and the reason for your suspension dictate how long the suspension will show up on your driving record.

For example, in New York, a suspension remains on a driver’s record for four years from the date the suspension ended. The New York DMV uses the year when the suspension ended, not the year it began.

What if you have insurance when your license is suspended?

If you are in the middle of your policy term, and your policy does not contain an exclusionary clause for driver suspensions, you likely will remain covered until the end of your term.

Insurance companies usually don’t review your driving record in the middle of your policy term. And only a few states allow midterm cancellations due to a suspended license.

However, you should still contact your insurer and read the fine print of your auto insurance policy. Increasingly, insurers are adding conditions to policies to address the problem of suspended drivers getting behind the wheel.

Typically, it will say that if you don’t report within 60 days that a driver in your household has suspended his or her license, then that person is not covered by your policy.

Also, remember that car insurance companies usually check your driving record upon the renewal of your policy and may deem you a high-risk driver and refuse to renew your policy when the term is up.

You should be notified if that’s the case. Insurance companies must notify you that your coverage will be suspended at some future date, typically at least 30 days out.

SR-22s and suspended licenses

When you get your license reinstated, you may have to file an SR-22, a form that serves as an insurance company’s guarantee to your state that you have the required insurance coverage in place. You will pay much higher car insurance rates because of the offense that triggered the suspension and the SR-22 filing.

To obtain an SR-22, you must go through an auto insurance company that offers the filing (not all do) and buy a policy with at least your state’s minimum limits. Once the form is filed, you must maintain the related insurance coverage for the state-mandated period.

Guide: What is an SR-22 and how much does insurance with an SR-22 cost?

What happens to my car while my license is suspended?

If your license is reinstated before your next policy renewal, you can keep your car parked until then.

A long-term suspension typically poses more problems. Insurance companies calculate rates, in part, based on the record of a licensed driver. You will likely be refused coverage if you don’t have a license – or at least an imminent reinstatement.

Liability car insurance is required for registered cars in most states, 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.

If you are still making car payments, one option 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, but many will.

If you own your car outright and lack insurance, you should park the car and turn in your license plates. Whatever you do, don’t drive if your license is suspended. Driving without a license is a serious offense.

Guide: Can I get a license in another state if my license is suspended?

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for, and Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like and and managing content, now at

Nupur Gambhir

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Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.