Can You Buy Car Insurance With A Suspended Driver's License?

Having your license revoked or suspended can be challenging. If your driver’s license has been suspended or revoked, you can get auto insurance coverage, but your state Department of Motor Vehicles (DMV) may require you to get an SR-22. Getting SR-22 insurance allows you to keep up with your legal requirements.

What Exactly Is SR-22 Insurance?

SR-22 is a document that the insurance company signs to help you reinstate your driving privileges if your driver’s license has been suspended. Your insurance company sends this form directly to the state’s DMV, informing them that you’re still insured. This policy lasts 3 to 5 years and will cover you until you get your driver’s license back. The insurance company will levy you for providing an SR-22 certificate. However, the fee amount may differ, and the state may charge additional fees. Therefore, your auto insurance premiums will increase if you file a claim for SR-22 insurance.

Reasons SR-22 Is Required

The reasons to get SR-22 to include the following:

• License suspension or revocation
• Multiple traffic offenses
• DWIs, DUIs, or other driving violations

Your state Department of Motor Vehicles will inform you if you are required to get an SR-22.

How Do You Get SR-22 Insurance?

You can apply for SR-22 insurance coverage with your insurance company. However, SR-22 insurance coverage is often costly, and not all companies offer this policy.