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Insurance After License Suspension

Your license is suspended, but your insurance obligations may not be.

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Quotes from state-licensed insurance professionals

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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

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Line Up Nevada Coverage Before Reinstatement

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Frequently Asked Questions

Do I need insurance if my license is suspended?

In 47 states, you must maintain continuous liability insurance during suspension to avoid extending the suspension period or adding reinstatement fees. Only New Hampshire and Virginia allow uninsured operation under specific conditions.

What is an SR-22 and when is it required?

An SR-22 is a certificate filed by your insurer proving you carry state-minimum liability coverage. Required after DUI, reckless driving, excessive points (typically 12+ in 12 months), or driving uninsured. Filing periods range from 1 to 5 years depending on violation and state.

How long does SR-22 filing last?

Most states require 3 years of continuous SR-22 filing after a DUI or major violation. California and Florida require 3 years; Virginia requires 3 years for DUI but 5 years for repeat offenses. The period resets if your policy lapses.

Can I get a hardship license while suspended?

39 states offer restricted licenses allowing work, school, or medical travel during suspension. Eligibility requires proof of employment or enrollment, SR-22 filing, payment of reinstatement fees, and completion of any required DUI courses. Approval takes 15–60 days.