10 Best Car Insurance Companies That Accept Suspended Licenses in 2024

Our Top 10 Picks: Best Car Insurance Companies That Accept Suspended Licenses

Most top car insurance companies won’t want to take on a risky driver but will let you keep coverage if you are already insured.

Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code above.

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#1 – Progressive: Top Overall Pick

Pros

• Flexible Coverage Options: Progressive car insurance review highlights the versatile coverage options, allowing customers to customize their insurance plans according to their specific requirements.
• Competitive Rates: With an average monthly rate, Progressive provides cost-effective solutions, particularly beneficial for individuals with a suspended license.
• Positive A.M. Best Rating: Progressive holds an A.M. Best Rating of A, indicating a high level of financial stability and reliability for policyholders.

Cons

• Higher Premiums for Suspended Licenses: Car insurance rates for individuals with suspended licenses are generally elevated, and Progressive may still have premiums higher than standard rates.
• Limited Information on Farmers: The content lacks specific details on Farmers, making it challenging to conduct a comprehensive analysis of Progressive in comparison.

#2 – Farmers: Best for Specialized Coverage

Pros

• Specialized Coverage: Farmers Car Insurance Review is recognized for offering specialized coverage tailored to the unique needs of individuals with suspended licenses.
• Generous Auto Insurance Discounts: Farmers provides substantial discounts, with up to 20% for auto insurance and up to 15% for additional insurance, potentially easing the financial burden for high-risk drivers.
• Low Complaint Levels: Farmers boasts a low complaint level, indicating high customer satisfaction and efficient resolution of issues.

Cons

• Lack of Average Monthly Rate Information: The absence of specific average monthly rate details makes it challenging to assess the affordability of Farmers compared to other providers.
• Missing A.M. Best Rating: The content does not specify Farmers’ A.M. Best Rating, a key factor in evaluating the financial stability of an insurance provider.

#3 – Safeco: Best for Offers Sr-22

Pros

• Budget-Friendly Alternative: Safeco emerges as a budget-friendly alternative, offering average monthly rates making it more accessible for individuals with a suspended license.
• Positive A.M. Best Rating: Safeco holds an A.M. Best Rating of A, demonstrating financial stability and assuring customers of its ability to fulfill insurance commitments.
• Low Complaint Levels: Safeco maintains low complaint levels, indicating a high level of customer satisfaction and efficient claims processing. Take a look at our comprehensive Safeco Car Insurance Review for further details.

Cons

• Limited Auto Insurance Discounts: While Safeco provides some discounts, the percentage is lower compared to other providers, potentially resulting in higher overall premiums for customers.
• Incomplete Information on Coverage Options: The content lacks detailed information on Safeco’s coverage options, making it challenging for customers to assess if it meets their specific needs.

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#4 – Bristol West: Best for Non-Standard Policies

Pros

• Non-Standard Policies: Bristol West specializes in providing non-standard policies, making it a suitable choice for individuals with unique or high-risk insurance needs. For further information, delve into our thorough guide titled “Best Car Insurance for High-Risk Drivers”.
• Auto Insurance Discounts: Bristol West offers up to 10% in auto insurance discounts, providing potential cost savings for policyholders.
• Additional Insurance Discount: With an additional insurance discount of up to 12%, Bristol West provides opportunities for customers to further reduce their insurance expenses.

Cons

• Limited Information on Rates: The content lacks specific information on Bristol West’s average monthly rates, making it challenging to evaluate its affordability in comparison to other providers.
• Coverage Options not Highlighted: The content does not provide detailed information on the coverage options offered by Bristol West, making it difficult for customers to assess if it aligns with their specific needs.

#5 – Direct Auto: Best for Minimum Coverage

Pros

• Minimum Coverage Focus: Direct Auto is highlighted for being a suitable option for those seeking minimum coverage, making it beneficial for individuals with a suspended license looking for essential protection.
• Auto Insurance Discounts: Direct Auto offers up to 15% in auto insurance discounts, potentially making it more cost-effective for policyholders. Explore our Direct Auto Car Insurance Review to gain deeper insights.
• Additional Insurance Discount: With an additional insurance discount of up to 10%, Direct Auto provides added opportunities for customers to save on their insurance premiums.

Cons

• Limited Information on Rates: The content lacks specific details on Direct Auto’s average monthly rates, hindering the ability to assess its affordability compared to other providers.
• Limited Coverage Options: The focus on minimum coverage may limit the range of options available to customers, potentially leaving some with unmet insurance needs.

#6 – Dairyland: Best for Standard Coverage

Pros

• Standard Coverage: Dairyland is recognized for providing standard coverage, catering to individuals who may require more comprehensive insurance options despite having a suspended license.
• Auto Insurance Discounts: Dairyland offers up to 20% in auto insurance discounts, providing potential cost savings for policyholders. Dive into our Dairyland Car Insurance Review for additional information.
• Additional Insurance Discount: With an additional insurance discount of up to 10%, Dairyland gives customers additional opportunities to reduce their insurance expenses.

Cons

• Higher Premiums: While Dairyland provides standard coverage, the content suggests higher average monthly rates, potential premiums making it less budget-friendly.
• Limited Information on Coverage Details: The content does not provide detailed information on the specific coverage options offered by Dairyland, making it challenging for customers to assess if it meets their needs.

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#7 – Infinity: Best for Higher Premiums

Pros

• Non-Standard Policies: Infinity specializes in providing non-standard policies, offering an option for individuals with unique or high-risk insurance needs.
• Auto Insurance Discounts: Infinity provides up to 10% in auto insurance discounts, potentially making it a more cost-effective choice for policyholders. Check out this guide “Car Insurance Discounts: Compare the Best Discounts” for comprehensive insights about discount.
• Additional Insurance Discount: With an additional insurance discount of up to 10%, Infinity offers opportunities for customers to further reduce their overall insurance costs.

Cons

• Higher Premiums: The content suggests that Infinity may have higher average monthly rates, potentially making it less affordable for some customers, especially those with a suspended license.
• Coverage Options not Highlighted: The content does not provide specific details on the coverage options offered by Infinity, making it difficult for customers to evaluate if it meets their unique insurance needs.

#8 – SafeAuto: Best for Local Agents

Pros

• Local Agents: SafeAuto is highlighted for having local agents, providing customers with the advantage of personalized and accessible assistance, which can be valuable for those with specific needs, such as individuals with a suspended license.
• Auto Insurance Discounts: SafeAuto offers up to 10% in auto insurance discounts, potentially making it a more cost-effective option for policyholders looking for affordable car insurance coverage.
• Additional Insurance Discount: With an additional insurance discount of up to 15%, SafeAuto provides opportunities for customers to further reduce their overall insurance expenses.

Cons

• Limited Information on Rates: The content lacks specific details on SafeAuto’s average monthly rates, making it challenging to assess its affordability compared to other providers.
• Coverage Options not Highlighted: The content does not provide detailed information on the coverage options offered by SafeAuto, making it difficult for customers to evaluate if it aligns with their specific insurance needs.

#9 – Titan: Best for Multi-Car Discounts

Pros

• Multi-Car Discounts: Titan is recognized for offering multi-car discounts, providing potential savings for customers insuring multiple vehicles.
• Auto Insurance Discounts: Titan provides up to 10% in auto insurance discounts, contributing to potential cost savings for policyholders.
• Financial Stability: Titan is listed as providing financial stability, which can be reassuring for customers seeking a reliable insurance provider.

Cons

• Limited Information on Rates: The content lacks specific details on Titan’s average monthly rates, hindering the ability to assess its affordability compared to other providers.
• Limited Coverage Information: The content does not elaborate on the coverage options offered by Titan, making it challenging for customers to determine if it meets their specific insurance needs.

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#10 – National General: Best for Financial Stability

Pros

• Financial Stability: National General is highlighted for its financial stability, providing customers with confidence in the company’s ability to fulfill insurance commitments.
• Auto Insurance Discounts: National General offers up to 15% in auto insurance discounts, potentially making it a more cost-effective option for policyholders.
• Additional Insurance Discount: With an additional insurance discount of up to 10%, National General provides opportunities for customers to further reduce their overall insurance expenses.

Cons

• Limited Information on Rates: The content lacks specific details on National General’s average monthly rates, making it challenging to assess its affordability compared to other providers.
• Coverage Options not Highlighted: The content does not provide detailed information on the coverage options offered by National General, making it difficult for customers to evaluate if it aligns with their specific insurance needs.

Read more related articles:

• National General Car Insurance Review
• National General Car Insurance Discounts

Discover the Top 10 Car Insurance Companies That Accept a Suspended License

Discovering car insurance options for individuals with a suspended license becomes crucial, and certain companies extend coverage at varying rates. Progressive emerges as an affordable choice, with monthly rates of $39 for minimum coverage and $105 for full coverage. Safeco provides a budget-friendly alternative, offering rates of $27 for minimum coverage and $71 for full coverage.

Car Insurance With a Suspended License: Monthly Rates by Coverage Level & Provider

Bristol West and Infinity also present reasonable options at $29 and $36 for minimum coverage, and $77 and $111 for full coverage, respectively. For those willing to explore mid-range rates, Direct Auto, SafeAuto, and Titan offer competitive pricing. Direct Auto’s rates stand at $44 for minimum coverage and $115 for full coverage, while SafeAuto provides coverage at $35 for minimum and $93 for full coverage.

Titan falls within this range with rates of $37 for minimum and $97 for full coverage. On the higher end, Dairyland and National General offer potentially more extensive coverage. Dairyland’s rates are $85 for minimum coverage and $237 for full coverage, while National General’s rates are $61 for minimum coverage and $161 for full coverage.

Balancing affordability and coverage features is essential when selecting car insurance with a suspended license, and this list provides a valuable starting point for potential options. Explore further information, read our “Best Full Coverage Car Insurance“.

Understanding Car Insurance Companies That Accept a Suspended License

A driver’s license suspension can happen for a variety of reasons, such as reckless driving, DUI, or excessive accidents or tickets.

How do you get car insurance with no license? Not very many car insurance companies will offer you a new policy if you have a suspended license. However, some specific companies do help drivers looking for non-standard insurance.

The General and Acceptance are just two car insurance companies that offer coverage to high-risk drivers. Many other smaller companies may cover you as well. If you already have car insurance, you may be able to work with your company to keep your coverage through the suspension.

Car insurance rates after a suspended license will be costly. One of the most important factors that affect your rates is your driving record. Drivers with accidents, tickets, DUIs, or other bad driving behaviors are  high-risk. High-risk drivers pay much higher rates because there is a greater chance the car insurance company will have to pay a claim.

This table shows the average car insurance rates for drivers with a suspended license. Rates can increase by more than half with a suspended license, depending on the company.

Car Insurance Monthly Rates Before vs. After a Suspended License by Provider

USAA car insurance is generally the cheapest coverage out there but isn’t the cheapest for a suspended drivers license. Coverage from Allstate, State Farm car insurance review, and Progressive for a suspended license has the smallest increase among the top companies.

Your car insurance company may also be required to file an SR-22 form with your state. This form proves that you have the minimum amount of car insurance needed. Your state will require you to carry SR-22 insurance for a certain amount of time.

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Checking for Suspended Licenses by Insurance Companies

Your driving record significantly influences your car insurance rates, as insurance companies evaluate your driving history to determine insurability. They typically review your record at policy renewal. It’s crucial to inform your insurer about any license suspension immediately to maintain coverage and develop a plan for your insurance needs while suspended.

Maintaining car insurance is vital even if you cannot drive. Driving without insurance can lead to severe penalties, including fines, vehicle impoundment, or jail time. A lack of insurance can also result in extended suspension or revocation of your driver’s license. When reinstating your license, you must show proof of insurance; gaps in coverage can lead to higher rates due to perceived increased risk.

If driving is not possible, consider adjusting your insurance to save money while keeping essential coverage. You must keep liability coverage as it’s legally required, but you may drop collision coverage. Comprehensive coverage is beneficial to retain since it protects against damages from non-collision events like theft or fire. If eligible for a restricted license, maintaining valid car insurance is mandatory.

Finding Car Insurance Companies That Accept a Suspended License

Car insurance companies that don’t accept a suspended license only offer standard coverage. However, you can still find the best car insurance for suspended licenses if you do some research.

Even if you have a suspended driver’s license, you still need to keep insurance. A lapse in car insurance coverage will increase your rates even more and make it much harder to get coverage again.

Shop around to find cheap car insurance for a suspended license. Compare rates and get car insurance quotes from car insurance companies that accept a suspended license to find the best deal for you.

Case Studies: Car Insurance Companies That Accept a Suspended License

These case studies offer valuable insights into how different car insurance companies handle drivers with suspended licenses, as well as the challenges and opportunities that arise in such situations.

• Case Study #1– Navigating High-Risk Territory: John’s high-risk status due to reckless driving led him to The General, known for catering to such drivers. Despite higher premiums, he secured coverage despite his suspended license, highlighting the niche market for compromised drivers.
• Case Study #2– A Lifeline for High-Risk Drivers: Emily, facing a DUI-related license suspension, turned to Acceptance for coverage. Acceptance’s non-standard insurance option provided her with a lifeline, albeit at a higher cost, underscoring the financial burden for high-risk individuals seeking coverage.
• Case Study #3– Strategic Collaboration With Existing Coverage: Mark’s insurer collaborated with him to maintain coverage during his license suspension, showcasing the importance of communication and cooperation with existing providers during challenging times. This highlights the potential benefits of maintaining relationships with current insurers.

This shed light on the diverse approaches taken by car insurance companies in handling drivers with suspended licenses. While specialized insurers like The General and Acceptance offer options for high-risk individuals, existing insurance providers can also play a vital role in supporting policyholders through challenging circumstances.

Communication, cooperation, and understanding between drivers and insurers are key to navigating the complexities of maintaining coverage during a license suspension. Check out this relevant article titled “Compare Car Insurance Rates After a Revoked Driver’s License” to gain more insights.

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Bottom Line: Navigating Car Insurance Companies That Accept Suspended Licenses

A comprehensive guide to finding car insurance for individuals with suspended licenses, detailing top providers and their offerings. It highlights key factors such as affordability, coverage options, and the importance of maintaining insurance during a license suspension.

Progressive emerges as a standout choice for its flexibility and competitive rates, followed by other companies catering to high-risk drivers, such as Farmers, Safeco, and Bristol West. The piece also addresses common questions, including the impact of a suspended license on insurance rates and the necessity of maintaining coverage during a suspension period.

Navigate your options and find the right car insurance coverage that suits your needs and budget.  Enter your ZIP code now to compare quotes from auto insurance companies that accept a suspended license for free in your area.

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