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.
SR-22 Insurance
An 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.
Non-Owner SR-22
Non-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.
Liability Insurance
State 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.
Hardship License Coverage
A 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.
Uninsured Motorist Coverage
UM 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.
Non-Standard Auto Insurance
Non-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.
