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Car Insurance With a Suspended License

Here's what you need to know...
  • With a suspended license, you may be temporarily or permanently removed from the road
  • There are scenarios you may want to consider when deciding if you should retain an active insurance policy on your car or not
  • If you are petitioning for a hardship exception or some other license restriction, then you will need auto insurance
  • Your car may need protection if you’re storing it off-road or if someone else will be using it
  • Gaps in your insurance coverage may make obtaining coverage in the future more difficult, so maintaining an active policy may help you avoid a headache in the future

While your license is suspended, you may think that you no longer need an active insurance policy. However, there are reasons why you may want to keep your insurance policy active if your license is suspended.

Although you do not usually operate a vehicle when your license is suspended, you are allowed to maintain active coverage on your vehicle.

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You May Want To Cover Your Vehicle If It Could Be Used By Someone Else

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If your license is suspended, you may still allow family members or friends to use your car. This often happens when other drivers in your household still have an active license, but there are other situations where you may loan someone your vehicle.

If your car is being driven while your license is suspended, it’s a good idea to maintain active coverage to avoid liability and to repair any damages to your car.

Having an active policy on your vehicle helps protect the following:

  • your car
  • the driver
  • any passengers
  • other drivers on the road

It’s important to remember that many states have different rules regarding how your insurance policy may apply to a non-listed driver. Some states do not provide coverage to non-listed drivers, so it’s important to check with your provider before loaning out your vehicle.

You May Receive a Court Approved Exception During Your Suspension

When your license is suspended, there are times that the court may grant you a hardship exception or another exception, which is based on your unique scenario.

If the court system provides you an exception, such as a restricted license, you will need to maintain active insurance coverage.

It’s important that you talk to your provider before your suspension begins so you can verify that you can continue to maintain your policy with them.

Since the circumstances around a license suspension can be different, you may end up being listed as a high-risk driver by your provider.

If this happens and your current provider is unwilling to continue insuring you, then you may need to pursue an insurance policy for high-risk drivers.

If you cannot locate a provider willing to insure you, then your state’s Department of Insurance may be able to help you find one in your area.

You May Want To Protect Your Vehicle If It’s Stored Off-Road

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If your license is suspended, your vehicle may be stored off-road until you can use it again; usually in a garage or other covered area.

Storing your vehicle like this does remove some risk, but your vehicle can still be damaged even when you don’t expect it. If you maintain active coverage, normally with comprehensive coverage listed, then your car may be covered in the event of a loss.

Comprehensive coverage on your policy helps to protect your vehicle in the event it’s damaged by an “other-than-collision” incident.

This could mean, for instance, that a hailstorm affects your area and damages your car, or your vehicle is vandalized or stolen in the middle of the night. If your car is being stored like this, it’s important to talk to your insurance provider about coverage options available to you.

You May Want To Avoid Having a Lapse In Your Insurance Coverage

If you have a gap in your insurance coverage, it may be more difficult to obtain coverage in the future.

Insurance companies are often looking for reliable and low-risk drivers to provide insurance to, meaning that your insurance history is something they look at when quoting your policy.

If you have one or more gaps in your insurance history, then any potential provider may be unwilling to sell you a policy.

Additionally, some insurance providers may decide to cancel your policy if your license is suspended, or they may decide not to renew your coverage at your next policy review.

It’s important that you discuss your situation with your insurance provider to avoid a cancellation or non-renewal if possible.

If you learn that your current insurance policy is not going to remain active due to your suspension, you should attempt to locate a new policy before your current policy ends.

Getting a new policy in place before your current policy ends can help you avoid having a gap in your insurance coverage, making any future insurance shopping an easier process.

Conclusion

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When your license is suspended, there are still many things to take into consideration. For instance, there are circumstances in which the court may grant you a hardship exception, which allows you to drive under specific conditions.

If this happens to you, then having an active insurance policy is a necessity. If someone else may drive your car, or you are storing your car off-road, then it’s important to have active coverage; even if you’re not driving.

It’s important to avoid gaps in your insurance coverage if possible since many insurance providers look at your coverage history when quoting a new policy.

This is another reason why maintaining active coverage during a suspension is important since it can be difficult to obtain a policy after the fact.

Make sure you speak with your insurance provider if you have questions about your coverage and a suspended license; some providers may cancel a policy due to a suspended license.

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