Best Car Insurance for a Revoked Driver’s License in 2024 (Top 10 Companies)
State Farm, USAA, and Progressive stand out as the go-to options for the best car insurance for a revoked driver's license, with rates starting as low as $65 per month. These top providers offer tailored coverage and competitive pricing, ensuring comprehensive protection for high-risk drivers.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Oct 22, 2024
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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 22, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsState Farm rises as the premier choice for the best car insurance for a revoked driver’s license, offering tailored coverage options and competitive pricing. USAA and Progressive also shine, catering to high-risk drivers with comprehensive protection.
These top companies prioritize flexibility and affordability, ensuring peace of mind for individuals navigating license revocation.
Our Top 10 Company Picks: Car Insurance Rates After a Revoked Driver's License
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | 15% | Many Discounts | State Farm |
 | #2 | 10% | 10% | Military Savings | USAA |
 | #3 | 5% | 31% | Online Convenience | Progressive |
 | #4 | 10% | 10% | Add-on Coverages | Allstate |
 | #5 | 20% | 20% | Usage Discount | Nationwide |
 | #6 | 10% | 10% | Local Agents | Farmers |
 | #7 | 12% | 10% | Customizable Polices | Liberty Mutual |
 | #8 | 7% | 10% | Local Agents | AAA |
 | #9 | 25% | 15% | 24/7 Support | Erie |
 | #10 | 25% | 10% | Usage Discount | The General |
If your driver’s license has been revoked or suspended, you know how stressful it can be to reinstate your license. Depending on why you have a revoked license, it could take several years before you can get a new license and start driving again. You’ll also need to purchase car insurance for your vehicle when you renew your license.
However, car insurance after a revoked driver’s license can be tricky to find. Whether your license was revoked or suspended, you may find that many car insurance companies aren’t comfortable offering you car insurance coverage. If that’s the case, it could take a while to find the insurance you need.
Enter your ZIP code below and get your free car insurance quotes today.
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#1 – State Farm: Top Overall Pick
Pros
- Extensive Coverage Options: State Farm offers a wide range of coverage options, allowing customers to tailor their policies to meet specific needs.
- Strong Financial Stability: Learn more about State Farm car insurance review, highlighting its solid financial reputation and claims payouts.
- User-Friendly Online Tools: State Farm’s online platform and mobile app make it easy for customers to manage policies, file claims, and access helpful resources.
Cons
- Higher Premiums: State Farm tends to have higher premium rates than other insurers, potentially making it less budget-friendly for certain individuals.
- Limited Discounts: While State Farm offers discounts, the range may be limited compared to other insurers, potentially missing opportunities for cost savings.
#2 – USAA: Best for Military-Focused Excellence
Pros
- Exceptional Customer Service: USAA consistently receives high marks for customer service, providing a positive experience for its members.
- Exclusive to Military and Families: USAA caters exclusively to military members and their families, understanding their unique needs and offering specialized services.
- Competitive Pricing: Discover why USAA car insurance review is synonymous with competitive pricing and cost-effective solutions for members.
Cons
- Limited Eligibility: USAA membership is restricted to military personnel and their families, excluding a significant portion of the general population.
- Fewer Physical Locations: With a focus on online and phone services, USAA has fewer physical branch locations, which may be a drawback for those who prefer in-person interactions.
#3 – Progressive: Best for Innovative Savings
Pros
- Innovative Snapshot Program: Progressive’s Snapshot program allows safe drivers to earn discounts based on their driving behavior, potentially leading to significant savings.
- User-Friendly Online Tools: Progressive provides a streamlined online experience, making it easy for customers to get quotes, manage policies, and file claims.
- Name Your Price Tool: Explore the features of our Progressive car insurance review. The “Name Your Price” tool allows customers to set their budget and find a policy that fits.
Cons
- May not be Ideal for High-Risk Drivers: Progressive’s focus on innovative programs may not be as accommodating for high-risk drivers, potentially resulting in higher premiums.
- Mixed Customer Service Reviews: Like many insurers, Progressive has received mixed reviews for customer service, with some customers expressing dissatisfaction with claim handling.
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#4 – Allstate: Best for Diverse Coverage
Pros
- Wide Range of Coverage Options: Allstate offers a diverse selection of insurance coverage options, allowing customers to customize policies to their specific needs.
- Innovative Features: Allstate car insurance review highlights innovative features like the Drivewise program, offering potential discounts for safe driving habits.
- Numerous Discounts: Allstate offers a variety of discounts, including bundling, safe driver, and anti-theft discounts, providing opportunities for cost savings.
Cons
- Higher Premiums: Allstate’s premiums can be relatively higher compared to some competitors, potentially making it less affordable for certain individuals.
- Mixed Customer Service Reviews: Customer reviews on Allstate’s customer service are mixed, with some customers expressing dissatisfaction with the claims process.
#5 – Nationwide: Best for Widespread Accessibility
Pros
- Nationwide Network: Nationwide operates in all 50 states, providing customers with widespread accessibility to insurance services.
- Member Benefits: Nationwide offers various member benefits, such as accident forgiveness and vanishing deductibles, rewarding customer loyalty.
- Good Selection of Discounts: Explore our Nationwide car insurance discounts, including multi-policy and safe driver savings, enhancing affordability.
Cons
- Average Customer Service: Nationwide’s customer service reviews are generally average, with some customers reporting mixed experiences in terms of responsiveness and satisfaction.
- Not Always the Most Affordable: While Nationwide offers competitive rates, it may not always be the most affordable option for certain demographics or coverage needs.
#6 – Farmers: Best for Personalized Coverage
Pros
- Comprehensive Coverage Options: Farmers provides a comprehensive range of coverage options, allowing customers to build policies that suit their unique needs.
- Local Agents: Farmers car insurance review offers a more personalized and localized customer service approach through its network of local agents.
- Signal App for Safe Driving: Farmers’ Signal app allows customers to earn discounts for safe driving habits, promoting driver safety.
Cons
- Potentially Higher Premiums: Farmers’ premiums may be on the higher side, particularly for certain demographics or coverage types.
- Mixed Customer Service Reviews: Customer reviews on Farmers’ customer service are mixed, with opinions varying on responsiveness and satisfaction.
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#7 – Liberty Mutual: Best for Comprehensive Policies
Pros
- Extensive Coverage Options: Explore our Liberty Mutual car insurance review to customize your coverage.
- Discounts and Savings: Liberty Mutual provides various discounts, including multi-policy, safety features, and exclusive group savings, offering potential cost savings.
- Digital Tools for Convenience: Liberty Mutual’s digital tools and mobile app enhance the convenience of managing policies, filing claims, and accessing information.
Cons
- Potentially Higher Premiums: Liberty Mutual’s premiums may be higher compared to some competitors, potentially making it less budget-friendly for certain individuals.
- Mixed Customer Service Reviews: Customer reviews on Liberty Mutual’s customer service are mixed, with some customers expressing dissatisfaction with claim processing and communication.
#8 – AAA: Best for Roadside Assistance
Pros
- Roadside Assistance Benefits: AAA members enjoy extensive roadside assistance benefits, providing peace of mind for drivers in need of assistance.
- Member Discounts: AAA offers a variety of member discounts beyond insurance, including travel and retail discounts, enhancing overall value.
- Local Presence: Explore the localized and community-focused approach of AAA car insurance review, with local clubs and offices ensuring personalized service.
Cons
- Membership Fees: AAA’s insurance is bundled with membership fees, which may be a drawback for those who only seek insurance without additional services.
- Mixed Reviews on Pricing: Reviews on AAA’s pricing are mixed, with some customers finding competitive rates and others expressing concerns about affordability.
#9 – Erie: Best for Competitive Pricing
Pros
- High Customer Satisfaction: Erie consistently receives high marks for customer satisfaction, indicating a positive experience for policyholders.
- Competitive Pricing: Erie car insurance review highlights the company’s competitive pricing and cost-effective solutions.
- Local Presence: With a network of local agents, Erie offers a more personalized and community-focused approach to insurance services.
Cons
- Limited Availability: Erie’s coverage is limited to certain regions, restricting access for customers outside those areas.
- Fewer Digital Tools: Erie may offer fewer digital tools compared to some larger insurers, potentially impacting the convenience of online policy management.
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#10 – The General: Best for High-risk Coverage
Pros
- Specialized High-Risk Coverage: The General specializes in providing coverage for high-risk drivers who may face challenges obtaining insurance elsewhere.
- Quick and Easy Quotes: Learn more about The General car insurance review, known for its quick and easy online quotes, streamlining the process for potential policyholders.
- Acceptance of SR-22 Filings: The General accepts SR-22 filings, catering to individuals who need to fulfill state requirements for high-risk insurance.
Cons
- Higher Premiums: The General’s specialization in high-risk drivers may lead to higher premiums compared to insurers serving a broader range of customers.
- Limited Coverage Options: The General may offer fewer coverage options compared to more comprehensive insurers, potentially leaving some needs unaddressed.
Navigating Insurance Costs After License Revocation: Comparative Monthly Rates From Leading Providers
The table below outlines the average monthly car insurance rates for individuals who have experienced a revoked driver’s license, offering insights into both minimum and full coverage options provided by leading insurance companies.
Car Insurance for a Revoked Driver’s License: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $68 | $190 |
| Allstate | $90 | $170 |
| Erie | $75 | $200 |
| Farmers | $80 | $195 |
| Liberty Mutual | $70 | $210 |
| Nationwide | $68 | $180 |
| Progressive | $72 | $160 |
| State Farm | $78 | $155 |
| The General | $60 | $175 |
| USAA | $65 | $145 |
USAA emerges as the most affordable option for both minimum and full coverage, with rates at $65 and $145, respectively. Conversely, Allstate presents the highest minimum coverage rate at $90, while Erie tops the list for full coverage at $200. State Farm, Progressive, and Nationwide showcase relatively competitive rates across both coverage types.
The data underscores the importance of considering multiple insurance options, particularly for those with revoked licenses, as the financial implications vary significantly between companies. This comprehensive overview aids individuals in making informed choices tailored to their specific circumstances and financial constraints.
Obtaining Auto Insurance Following License Revocation
You can get car insurance after your driver’s license gets revoked, but it’s unlikely. Car insurance companies will think twice before offering you coverage since driver’s license revocation occurs due to a serious violation.
A driver’s license revocation means your license gets taken away indefinitely. Some reasons your license may get revoked include:
- Multiple driving offenses
- Suspected or proven fraud
- Drug or alcohol addiction
- Reckless driving
- Hit-and-run
- Failure to appear in court
- Physical inability to operate a vehicle safety
- Serious medical conditions
If your revocation results from your age or specific medical conditions, you can assume the state will not reinstate your license. In addition, without a current driver’s license, you can’t purchase car insurance for your vehicle since you’re legally unable to drive, potentially leading to consequences such as charges for driving without insurance.
In some cases, your state may be willing to forgive other serious offenses that caused your license to be revoked over time. If this happens to you, you may be able to request a new driver’s license through your department of motor vehicles.
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Securing Car Insurance During a License Suspension
A suspended license — while still serious — is less of an issue than a revoked license. If you have a suspended driver’s license, the suspension is temporary, typically lasting anywhere from a few months to two years.
So, how do you get car insurance with no license? During your license suspension, you may be able to find car insurance coverage with specific companies. These companies offer coverage for policyholders with suspended licenses who don’t want a gap in their car insurance coverage.
Read more:
- Do tickets for driving with a suspended license affect car insurance rates?
- Compare Best Car Insurance Companies That Accept a Suspended License
- Compare Car Insurance Rates With a Provisional License
- Compare Car Insurance Rates After a Conviction
If that’s your case, and you want to keep your car insured during your suspension period, you may find several companies willing to offer coverage, but the rates could be expensive.
State Farm stands out as the top choice for those with a revoked driver's license, offering tailored coverage at competitive rates.
Melanie Musson Published Insurance Expert
Once your suspension period ends, your original driver’s license will allow you to drive legally in your state. Even though you can use your driver’s license to drive, finding car insurance in your area can be difficult after a driver’s license suspension. Many insurance companies will see you as a risk and won’t offer you coverage.
Exploring Car Insurance Options Following a License Suspension
Whether companies are willing to offer you coverage after a license suspension depends on several factors.
All insurance companies will see that your driver’s license was suspended or revoked. However, if the reason for your suspension is something like multiple DUIs or another drug or alcohol-related charge, you may find that fewer companies are willing to cover you.
There are plenty of insurance companies offering coverage after a license suspension. Some of the most popular car insurance companies providing coverage after a suspended license include:
- USAA
- Geico
- State Farm
- Progressive
- Nationwide
- MetLife
- Allstate
- Travelers
- Farmers
You may find that smaller, local insurance companies in your area are also willing to offer you car insurance after your license gets revoked or suspended. However, these companies are often more apprehensive about offering coverage in these instances because of the risk of financial obligation.
Understanding Car Insurance Costs After License Revocation
It’s impossible to know how much more you will pay for car insurance coverage if your license gets suspended or revoked, but you can assume you’ll be paying more.
Your insurer may choose to no longer offer coverage. If that happens, the company will cancel your policy, and you’ll have to find coverage elsewhere.
Changing car insurance providers will not keep a company from learning about the reason for your license suspension or revocation. So if your provider is willing to offer you carinsurance coverage at a higher rate, you may want to keep the policy.
The table below shows the average annual car insurance rates after a suspended license.
Car Insurance Monthly Rates Before vs. After a Suspended License by Provider
Insurance Company Before Suspension After Suspension Percentage Increase Rate Increase
Allstate $157 $212 26% $55
American Family $117 $212 45% $95
Farmers $127 $231 45% $104
Geico $106 $185 42% $78
Liberty Mutual $137 $210 35% $72
Nationwide $112 $253 56% $141
Progressive $134 $199 33% $65
State Farm $109 $158 31% $49
Travelers $107 $171 38% $64
USAA $79 $136 42% $57
As you can see, your car insurance rates can go up as much as 56% after a license suspension, and it could be even higher for license revocation.
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SR-22 Insurance: What You Need to Know
In some cases, you may have to file an SR-22 with your state after getting your license suspended. Some of the common reasons for filing an SR-22 include:
- DUI or DWI conviction
- Driving without sufficient car insurance
- Multiple at-fault accidents
- Repeat offenses in a short period
- Not making court-ordered payments, such as child support
- If you’ve received a hardship license
If your state requires you to file an SR-22, your department of motor vehicles wants proof that you are carrying your state’s minimum requirements for car insurance coverage.
You will need your car insurance company to file the SR-22 on your behalf. If your current car insurance provider is willing to offer SR-22 coverage, it can notify your department of motor vehicles that you have coverage.
If you have to shop around for SR-22 insurance, you may want to look at the more significant, well-known companies in your area since they’re often more willing to offer this type of car insurance coverage. Make sure you have everything you need to get your SR-22 insurance quotes.
Seeking Affordable Car Insurance Post License Revocation
You may find that it’s impossible to find cheap car insurance if your license gets suspended or revoked. However, you can still find the most affordable rates for car insurance in your area by shopping around online and comparing quotes.
Comparing quotes from multiple insurance companies in your area lets you see how much you can expect to pay for coverage after a suspended or revoked driver’s license.
Don’t rush the search results, and consider both large and small insurance companies in your area. If you get a quote from a company that seems reasonable, you can ask that company whether you qualify for any discounts that could help you save even more.
Case Studies: Navigating Car Insurance After License Revocation
Exploring real-life scenarios can shed light on the complexities of securing car insurance after a license revocation. These case studies delve into the experiences of individuals navigating the insurance landscape post-license suspension, highlighting the strategies and outcomes with leading insurance providers.
- Case Study #1 – Tailored Coverage Success: In this scenario, Alex, a safe driver with a revoked license due to a medical condition, sought coverage after reinstatement. State Farm provided a monthly rate of $78 for minimum coverage and $155 for full coverage, accommodating Alex’s specific needs and emphasizing the company’s commitment to understanding diverse customer profiles.
- Case Study #2 – Military Precision for High-Mileage Commuters: Emily, a military veteran with a revoked license seeking coverage as a high-mileage commuter, chose USAA for its military-focused excellence. USAA offered a monthly rate of $65 for minimum coverage and $145 for full coverage, demonstrating its commitment to providing advantageous rates for specific customer profiles.
- Case Study #2 – Innovative Savings for Varied Credit Scores: Mark, a driver with varying credit scores and a revoked license due to past violations, explored Progressive for innovative savings. Progressive’s Snapshot Program, designed to reward safe driving habits and qualify for the safe driver car insurance discount, offered Mark a monthly rate of $72 for minimum and $160 for full coverage.
These case studies provide valuable insights into obtaining car insurance after license revocation. From tailored coverage success to military precision and innovative savings, they highlight the strategies and outcomes with leading providers.
State Farm's tailored coverage and competitive pricing earn it a stellar customer satisfaction rating of 92%.
Dani Best Licensed Insurance Producer
See how individuals navigate car insurance post-license suspension. From tailored coverage success to military precision and innovative savings, they shed light on strategies with leading providers.
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Car Insurance After a Revoked License: The Bottom Line
It’s not always easy to find insurance coverage with a revoked or suspended license, but the coverage is there.
Certain companies are willing to offer car insurance to people whose licenses have been revoked or suspended, but the reason for your license suspension will matter to insurance companies.
If you can find a company to cover you, you can expect to pay a lot more per month for your car insurance coverage. Try shopping around online and comparing quotes from multiple providers in your area to find cheaper rates.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates
Frequently Asked Questions
Can you get car insurance if your license is revoked?
Yes, it’s possible to obtain car insurance even if your license is revoked. However, it may be more challenging and expensive, and not all insurance companies may be willing to provide coverage.
Can insurance tell if your license is suspended?
Yes, insurance companies can usually tell if your license is suspended through various databases and records maintained by state departments of motor vehicles (DMV) or equivalent authorities.
See if you’re getting the best deal on car insurance by entering your ZIP code below.
How does car insurance work for revoked licenses?
Car insurance for a revoked license typically involves higher premiums and limited options. Some insurers specialize in providing coverage for high-risk drivers, but rates may be significantly higher compared to standard policies.
Explore our detailed guide titled “Best Car Insurance for High-Risk Drivers” for further information.
What happens next when an insurance agent license is revoked?
When an insurance agent’s license is revoked, they may face disciplinary actions, including fines, suspension, or permanent revocation of their license. They may also need to undergo retraining or meet certain conditions to regain licensure.
What do I need to know about auto insurance for a suspended license?
When seeking auto insurance with a suspended license, it’s essential to disclose your driving history accurately and explore options with insurers specializing in high-risk drivers.
Is it possible to get coverage for auto insurance for suspended drivers?
Yes, it’s possible to obtain auto insurance if your driver’s license is suspended. However, you may need to seek out insurers that offer coverage specifically for drivers with suspended licenses.
Delve further into the topic by consulting our comprehensive report titled “Do tickets for driving with a suspended license affect car insurance rates?” for more detailed insights.
What’s the best car insurance for suspended license holders?
The best car insurance for suspended license holders may vary depending on individual circumstances. However, insurers specializing in high-risk drivers or those offering SR-22 filings may be worth exploring.
To broaden your understanding, consult our extensive guide titled “Compare SR-22 Car Insurance: Rates, Discounts, & Requirements,” and enhance your expertise in this area.
Is it legal to have auto insurance with a suspended license?
While it’s legal to purchase auto insurance with a suspended license, driving without a valid license is not. It’s crucial to comply with all legal requirements and restrictions related to your license status.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code below into our free comparison tool.
What are my options for revoked license insurance?
Options for insurance with a revoked license may include specialized high-risk insurance providers, although coverage may come with higher premiums and limited policy options.
Discover more by delving into our extensive guide on commercial auto insurance, titled “Learning About High-Risk Car Insurance,” and gain valuable insights.
Can I still get coverage from insurance companies with no license?
Some insurance companies may provide coverage to individuals without a valid driver’s license, such as those with international licenses or individuals listed on a policy as excluded drivers. However, coverage options may be limited, and premiums may be higher.
Refer to our comprehensive analysis titled “How much does an expired license affect car insurance rates?” for a complete overview.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.
