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Insurance After License Suspension

Whether you need SR-22 filing, non-owner coverage, or a hardship license policy, we explain your state's reinstatement requirements and insurance obligations.

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How It Works

  1. Enter your ZIP code and tell us about your suspension type

  2. Get matched with carriers who write policies for suspended license drivers in your state

  3. 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.

A man in a dark long-sleeved henley sits at a wooden desk holding a printed document, with an open laptop, notebook, papers and a desk lamp in front of him and a window showing dusk sky and trees behind.SR-22 InsuranceAn SR-22 is a state-mandated filing proving you carry minimum liability coverage, required after DUI, excessive points, or driving uninsured. Most states require it for 3 years from the violation date.An open black mailbox with a red flag and a white envelope inside, mounted on a post beside a gravel driveway, with a dark car and a house blurred in the background at dusk.Non-Owner SR-22Non-owner policies provide liability coverage without requiring vehicle ownership, satisfying SR-22 reinstatement rules in most states. Monthly premiums typically range from $25–$40 for minimum coverage.A person's hand holds a key and black key fob above a wooden counter where a pen rests on printed documents attached to a clipboard, with a blurred kitchen in the background.Liability InsuranceState minimum liability coverage pays for injuries and property damage you cause to others. Required limits vary by state, with many requiring at least $25,000/$50,000/$25,000 split-limit policies.View from the driver's seat at night showing two hands gripping a steering wheel, illuminated gauges on the dashboard, and a wet road with blurred lights through the windshield.Hardship License CoverageA hardship or restricted license allows limited driving during suspension for work, school, or medical appointments. You must carry proof of insurance to qualify in all states that issue them.Driver's point of view at night showing two hands gripping a steering wheel with illuminated gauges behind it and a blurred road with streetlights and taillights ahead.Uninsured Motorist CoverageUM coverage protects you when hit by a driver without insurance, required in 20 states and recommended in all. Some states mandate UM limits equal to your liability limits.A bearded man in a black cap and black hoodie sits in a vehicle's driver seat, fastening his seat belt, with a steering wheel in the foreground and trees visible through the window.Non-Standard Auto InsuranceNon-standard carriers specialize in high-risk drivers with suspensions, DUIs, or lapses. Premiums run 50–300% higher than standard rates but provide required coverage when standard carriers decline.

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A woman in a light knit sweater, dark bootcut jeans and tan heeled boots walks across a parking lot at night, holding keys and carrying a brown shoulder bag, with parked cars and a lit building behind her.

Compare Utah Rates for Drivers With a DUI

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Frequently Asked Questions

Do I need car insurance if my license is suspended?

Most states require you to maintain continuous insurance coverage even while suspended to avoid additional penalties or extended suspension periods. If you don't own a vehicle, a non-owner policy satisfies this requirement in all 50 states. Letting coverage lapse during suspension can add months to your reinstatement timeline and trigger SR-22 filing requirements.

What is an SR-22 and when do I need one?

An SR-22 is a certificate your insurance carrier files with your state DMV proving you carry at least minimum liability coverage. You need one after DUI/DWI convictions, excessive points, driving uninsured, or certain at-fault accidents in most states. The filing period typically lasts 3 years from your conviction or reinstatement date, depending on your state.

What is a hardship license and can I get insurance for it?

A hardship license allows limited driving to work, school, medical appointments, or court-ordered programs during your suspension period. You must carry proof of insurance to qualify in every state that issues them, and your policy must meet or exceed state minimum liability limits. Not all states offer hardship licenses; check your state's DMV rules.

How long does my SR-22 filing last?

Most states require SR-22 filing for 3 years from the date of conviction or license reinstatement. Florida requires FR-44 filing for 3 years after DUI. If your policy lapses or cancels during the filing period, your insurer notifies the DMV and your license is re-suspended immediately in all states.

Will my insurance cover me if I drive on a suspended license?

No, driving on a suspended license voids coverage in most policies, meaning your insurer can deny claims for accidents that occur while you're suspended. You also face criminal charges, extended suspension, vehicle impoundment, and potential jail time in most states. Wait until your license is fully reinstated or obtain a valid hardship license before driving.