Can I keep auto insurance with a revoked driver’s license?
If your license was revoked or suspended, your insurance company may cancel your policy, or it may allow you to keep your coverage. Learn what you can expect to happen with your insurance after a license revocation.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Oct 19, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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We understand that if you lose your driver’s license, it can be life-changing and stressful. You may be wondering, ‘Is my car insurance valid if my license is suspended or revoked?’
Learn about the potential legal repercussions, whether you can still qualify for auto insurance, and the reasons your insurance company could cancel your policy below.
- You cannot keep your insurance if your driver’s license is revoked
- Driving with a revoked or suspended license is against the law
- Having your driver’s license revoked means you’ll need to find an alternative means of transportation
Am I still insured if my license is suspended or revoked?
If your driver’s license undergoes revocation, there might still be an option to insure your vehicle, although your insurance provider could terminate your current policy and inhibit you from acquiring a new one. It’s advisable to directly communicate with your insurance company to confirm details. This situation underscores the importance of direct auto insurance communication amidst bankruptcy or insurance revocation.
Purchasing or keeping your auto insurance if your license is suspended or revoked depends on multiple factors. Those include circumstances of the suspension or revocation, the time left on the policy, and the type of policy you have or want to purchase, plus any requirements from your insurance provider. Another key factor is the reason your license was suspended or revoked.
The answer to this question varies from state to state, but there are some general reasons that could cause your license to be revoked or suspended:
- Driving without insurance and/or registration
- Driving while under the influence
- Accumulation of points
- An excess amount of traffic tickets
- Failure to make a payment or deadline
Whether the suspension is definite or indefinite depends on the laws in each individual state.
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What happens if you drive with a revoked license?
Insurance companies have access to much of the same data as the DMV, so even if you do not notify your insurance provider that your driver’s license has been suspended or revoked, they will find out. So what happens if your license is revoked? Or what happens with your insurance if your license is suspended?
Suspension is usually temporary, while a revoked license means you lose it permanently. There may be subtle differences in how they affect your auto insurance policy. First, you may not qualify to purchase a new policy or renew an existing one if your license is suspended or revoked. This is because you do not have a valid license, and you can’t legally drive. But what if you have an existing policy already? How will having your license revoked or suspended affect it?
- Definite suspension- Definite suspension means that there is a date limit. At the end of that period, you will need to pay any applicable fines and apply to have your driver’s license reinstated. If you are caught driving or get in an accident, you will not be covered. Even if your insurance company doesn’t cancel your policy, if it comes up for renewal before the suspension period is over you won’t be able to renew.
- Indefinite suspension- With indefinite suspension, there is no end date to the suspension period. Rather, the driver is required to take a certain action or fulfill a certain requirement before they can qualify to have their license reinstated. Therefore, your insurance company may not necessarily cancel your policy. If you comply with the requirements as quickly as possible, you may be able to get back in the driver’s seat without any gap or lapse in coverage.
- Administrative review suspension- This kind of suspension is usually related to a medical condition that makes it hazardous for a person to drive. They will only lift the suspension after a doctor makes a written recommendation based on a change in condition. Without the doctor’s recommendation, your policy will eventually expire and you’ll be unable to renew.
- Revocation- Driver’s license revocation is considered permanent, meaning your auto insurance policy will likely be terminated as soon as your insurance provider becomes aware. Even if they opt not to cancel it immediately, you won’t have coverage if you’re involved in an accident without a valid driver’s license. It’s crucial to note this especially when considering auto insurance for a suspended license or when contemplating a voluntary surrender of your driver’s license.
There’s really no sense in insuring a car you can’t drive. And as hard as it may seem, it is not worth getting caught by the police if you are driving without a valid driver’s license. It will only make your situation worse. So consider other modes of travel, such as public transportation, carpooling, or cycling.
Can Insurance Companies Check if Your License is Suspended?
Insurance providers routinely review Department of Motor Vehicles (DMV) records, enabling them to verify if a policyholder’s driver’s license is under a suspension or revocation. This access aids insurers in precisely evaluating the risks associated with each policy. Should an insurance company uncover a license suspension or revocation, it could impact the policy, potentially resulting in alterations to premiums or even termination of coverage. It is imperative for policyholders to promptly inform their insurer if their driving status changes, ensuring transparency and mitigating potential issues related to the insurance block on the license or a general insurance suspended license.
Obtaining Car Insurance with a Suspended or Revoked License
Obtaining car insurance with a suspended or revoked license, even though challenging, is still possible. Insurers often offer specialized “non-standard” insurance policies tailored to high-risk drivers, including those facing license suspensions or revocations. While these policies typically come with higher premiums due to the increased risk associated with insuring drivers without legal driving privileges, shopping around, including exploring options with insurers like GEICO, may present opportunities for securing cheap insurance without a driver’s license.
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Coverage and Accidents with a Suspended License
Getting insurance after a suspended license can be challenging due to the complexities involved in coverage for accidents during suspension. Typically, insurance policies stipulate that the policyholder must hold a valid driver’s license to be covered. If an accident occurs while your license is suspended, your insurer may deny coverage, particularly for serious violations like DUIs. It’s crucial for policyholders to fully grasp the terms of their policy regarding how a suspended license impacts coverage.
What Happens With Your Insurance if Your License is Suspended or Revoked
If your driver’s license is suspended or revoked, your car insurance company might opt to terminate your policy or substantially raise your premiums. This adjustment is made because you’re viewed as a higher risk without a valid license. If your policy gets terminated, obtaining new insurance can be difficult due to your elevated risk status. It’s crucial to promptly reach out to your insurance provider following a suspension or revocation of your license to explore your alternatives and prevent any gaps in coverage.
Insurance Options After License Suspension or Revocation
Drivers with a suspended or revoked license might need to explore alternative insurance options, such as:
- High-risk insurance policies: These policies are designed for drivers who do not qualify for standard insurance due to their driving history.
- Adding a co-driver: Some insurance policies might allow you to maintain coverage by adding another licensed driver to the policy.
- State-assigned risk pools: For drivers who cannot obtain insurance through traditional insurers, many states offer risk pools that provide necessary coverage.
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Final Thoughts on Keeping Auto Insurance When Your License Is Revoked
A suspended license may not need to cause a lapse in coverage. But if your license is revoked or suspended for a definite time period, it may be canceled until your license is reinstated. Even if it’s not canceled, you won’t be able to renew it or purchase a new one. Driving without auto insurance or a valid driver’s license is illegal, so you’ll need to find an alternate means of transportation until you’re able to get it reinstated.
Frequently Asked Questions
Can I maintain auto insurance if my driver’s license is revoked?
Yes, you can maintain your car insurance even if your driver’s license is revoked. Across different regions, the prerequisites for insurance differ, but usually, possessing an active insurance policy is vital for lawful vehicle operation, irrespective of whether your license is suspended or revoked. This is especially crucial for individuals with an empty drivers license.
Will my auto insurance rates increase if my license is revoked?
If your license may be denied, suspended, or revoked, there’s a possibility that your auto insurance rates could increase. Insurance companies take into account various factors when determining premiums, and a revoked license is generally viewed as an indicator of higher risk. However, the extent of the rate increase depends on several factors, including the insurance provider and your specific circumstances. This applies even if you’re dealing with scenarios like Progressive with an expired license or navigating auto insurance with a suspended license.
Are there any specific insurance policies available for drivers with revoked licenses?
Certain insurers provide specialized policies tailored for individuals with suspended or revoked licenses, commonly known as “suspended license insurance” or “revoke-automotive insurance.” These types of policies, categorized as “non-standard” or “high-risk” auto insurance, are available to cater to the heightened risk posed by drivers without valid licenses. As a consequence of this elevated risk, these policies typically entail higher premiums compared to standard insurance options.
Is it legal to have auto insurance without a valid driver’s license?
Securing insurance with a suspended license and maintaining insurance on your license are critical considerations. In certain jurisdictions, it may be permissible to possess auto insurance even if your driver’s license is suspended. However, insurance primarily serves to provide coverage in case of accidents or damages. Operating a vehicle without a valid license is generally prohibited, highlighting the importance of understanding the legal implications of having insurance without a valid license in your specific location.
What happens if I let my auto insurance policy lapse after my license is revoked?
Failing to maintain your auto insurance coverage following the revocation of your driver’s license can lead to significant ramifications. Across numerous jurisdictions, it’s unlawful to operate a vehicle without insurance, inviting penalties such as fines, prolonged license suspensions, or potential criminal charges. Furthermore, allowing your insurance policy to lapse could result in heightened premiums upon reinstatement or when seeking new coverage in the future. This scenario is particularly pertinent when considering letting someone drive your car with a suspended license and the complexities of securing auto insurance under such circumstances of a revoked driver’s license.
Can I remove myself as a driver from my auto insurance policy if my license is revoked?
If your license faces revocation, you might have the option to exclude yourself as a driver from your car insurance plan. However, it’s crucial to weigh this choice thoughtfully since it may affect other individuals who occasionally drive your vehicle. It’s advisable to seek guidance from your insurance provider to comprehend the consequences fully and to look into alternative coverage choices if needed. Remember, no existing insurance policy will be revoked until there’s confirmation from the insurer, and in some cases, state farm might cancel the policy if the license is suspended due to insurance-related issues.
Can I get car insurance if my license is suspended?
Yes, but you may need to seek a high-risk policy, and you can expect higher premiums.
Will my current insurance cover me if I have an accident while my license is suspended?
Coverage depends on the terms of your policy; however, many policies do not cover accidents that occur while the driver’s license is suspended.
How do I find insurance if I have a suspended license?
Search for insurance companies that focus on providing coverage for individuals with revoked insurance licenses or suspended licenses. Additionally, explore options such as state-assigned risk pools. These avenues can be considered, especially when navigating challenges like freeway insurance bankruptcy.
What should I do with my insurance if my license gets suspended?
Reach out to your insurance provider promptly to explore your choices, which might involve adjusting or terminating your existing policy. This is especially important for individuals seeking disqualified driver insurance or facing car insurance challenges due to a revoked license. Additionally, inquire about potential participation in a driver license forgiveness program during your discussion with your insurer.
What happens to my car insurance if I lose my license?
If you lose your driver’s license, your car insurance company may cancel your policy or increase your premiums significantly. They may consider you a higher risk without a valid license.
What happens to your car insurance if your license is suspended?
If your license is suspended, your car insurance company may also cancel your policy or increase your premiums. Insurance companies have access to DMV records and may adjust your coverage accordingly.
How does a revoked license affect insurance in the UK?
In the UK, having a revoked license will likely result in your car insurance policy being canceled. Insurance companies there also have access to driving records and may adjust your premiums accordingly.
Which of the following is a reason your insurance may be revoked?
Insurance may be revoked for reasons such as non-payment of premiums, fraudulent claims, or serious driving violations like DUIs.
How long does a suspension affect insurance?
The length of time a suspension affects insurance can vary depending on factors like the severity of the violation and the policies of the insurance company. Generally, the impact can last for several years.
For which of the following reasons can an agent’s license not be suspended or revoked?
An agent’s license cannot be invalidated for factors such as delivering exceptional service, upholding ethical principles, and ensuring adherence to regulatory mandates. This applies even in scenarios involving a revoked driving license due to medical reasons, obtaining car insurance with a suspended license, or amidst issues like Texas Farm Bureau Insurance facing bankruptcy.
How often does insurance check driving record?
Insurance companies may check driving records periodically, especially at the time of policy renewal or when significant changes occur, such as adding a new driver to the policy.
Why would the commissioner of commerce examine the records of an insurance company?
The commissioner of commerce may examine the records of an insurance company to ensure compliance with regulations, investigate consumer complaints, or assess financial stability.
How much does insurance go up after a suspended license?
The escalation in insurance expenses subsequent to a driving ban can fluctuate based on elements such as the reason for the suspension, the insurance company’s policies, and the driver’s prior record. Generally, premiums may soar significantly for individuals seeking insurance after a driving ban, auto insurance for suspended driver’s license holders, and revoked license insurance.
How to get a license back after suspension for no insurance?
To get a license back after suspension for no insurance, you typically need to pay any outstanding fines or fees, provide proof of insurance, and meet any other requirements imposed by the DMV or court. Once these conditions are met, you may apply for license reinstatement.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.