Do tickets for driving with a suspended license affect car insurance rates?
A ticket for driving with a suspended license will increase your car insurance rates and may send you to jail. You will be considered a high-risk driver after driving with a suspended license.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Oct 23, 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 23, 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.
On This Page
There was a time when you would get off with a warning on your first offense. Now law enforcement is taking more drastic measures the first time around.
If you are behind the wheel of a car with a suspended license, you are committing a crime.
The penalty is different in each state. There are some instances where people encounter a traffic stop only to learn their license is suspended for the first time.
To obtain comparison car insurance quotes for high-risk drivers today, enter your zip code now!
- Driving with a suspended license will most certainly affect your car insurance rates
- In addition, being caught driving with a suspended license could cause you to go to jail
- Being ticketed for a suspended license could then classify you as a high-risk driver
Will a ticket for driving with a suspended license affect car insurance rates for my spouse?
If you and your spouse share a vehicle, your rate will probably increase once the insurance company is made aware of your suspension.
Your spouse may choose to exclude you from the policy to avoid increased premiums.
However, many car insurance companies consider the driving records of all household drivers regardless of whether they have permission to drive the designated car or not.
Read more:
- Compare Best Car Insurance Companies That Allow Spouse Exclusions
- Compare Car Insurance Rates After a Revoked Driver’s License
- How Traffic Infractions Affect Car Insurance
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Will a ticket for driving with a suspended license affect car insurance rates in the future?
When you are eligible to reinstate your driver’s license, car insurance for a suspended license will cost more.
You are classified as a high-risk driver and will have to pay an average of 20 to 40 percent more for coverage. As a consequence for your actions, you may have to go with a company that markets to high-risk drivers.
Once the proper fines are paid, and your license is reinstated, you will be in the position to improve your status.
Depending on why your license was suspended, it takes approximately three to five years to overcome a suspended license. The suspension may stay on your driving record as long as seven years in some states.
You may also be required to obtain an SR22 form that proves to the DMV that you will maintain insurance coverage for the duration of the recovery process.
The SR22 lasts three years, after which you may be in the position to acquire insurance from a standard carrier.
If your previous carrier continues your coverage, you should call them periodically to see if you are eligible for a rate reduction.
Will a ticket for driving with a suspended license affect car insurance rates on my job?
If you are an employer and allow an employee to drive a company vehicle on a suspended license, you could be jeopardizing your business.
Many employees must use company vehicles to perform their jobs, and it is up to the employer to report changes to an employee’s driving status to the insurance company.
The employee may be able to obtain a restricted drivers license to maintain employment that allows him to go back and forth to work to perform his job.
Will a ticket for driving with a suspended license affect car insurance rates if I am not driving my car?
If someone else is driving your car on a suspended license, your car could be impounded. In the case of an accident, your insurance company may refuse to pay damages even if the driver is on your policy.
In some states, like Montana, you can obtain storage insurance while your license is suspended to protect your vehicle from theft, vandalism, and acts of nature.
This coverage is inexpensive and worth the cost if your car is not kept in a garage.
Although you may not want your car to sit idle, this is the price you will pay until you earn your driving privileges again.
Comparison car insurance quotes for high-risk drivers are available today by simply entering your zip code now!
- https://www.thebalance.com/suspended-vs-revoked-license-527274
- https://www.ncsl.org/transportation/driving-while-revoked-suspended-or-otherwise-unlicensed-penalties-by-state
- https://www.statefarm.com/insurance/auto/resources/high-risk-auto-insurance
- https://lifelanes.progressive.com/sr-22-what-to-know/
- https://thelawdictionary.org/article/how-does-a-restricted-license-work/
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Case Studies: Impact of Suspended License Tickets on Car Insurance Rates
Case Study 1: The First Offense
John, a driver with a suspended license, was pulled over by law enforcement and received a ticket for driving with a suspended license. John wondered if this offense would have an immediate impact on his car insurance rates, considering it was his first offense and his driving record was otherwise clean.
Case Study 2: Multiple Offenses
Sarah, on the other hand, had a history of driving with a suspended license and had received multiple tickets for this offense. Sarah was concerned about the cumulative impact of these violations on her car insurance rates and whether they would result in significant rate increases or even policy cancellation.
Case Study 3: License Reinstatement
Mike, a driver who had his license suspended due to administrative reasons, successfully completed the necessary steps to reinstate his license. However, during the period of suspension, he had received a ticket for driving with a suspended license. Mike wondered if his insurance rates would be affected even though he had resolved the license suspension and regained his driving privileges.
Case Study 4: Varying State Regulations
Samantha received a ticket for driving with a suspended license. However, she recently moved to a different state with different regulations regarding this offense. Samantha was curious about the potential impact on her car insurance rates, considering the variation in state laws and the differing approaches insurers might take.
Frequently Asked Questions
Do tickets for driving with a suspended license affect car insurance rates?
Yes, a ticket for driving with a suspended license will increase your car insurance rates. It also carries the risk of jail time. Insurance companies consider driving with a suspended license as a high-risk behavior.
Will a ticket for driving with a suspended license affect car insurance rates for my spouse?
If you and your spouse share a vehicle, your insurance rate will likely increase once the insurance company is informed about the suspension. Your spouse may choose to exclude you from the policy to avoid higher premiums. However, many insurance companies consider the driving records of all household drivers, regardless of whether they have permission to drive the designated car or not.
Will a ticket for driving with a suspended license affect car insurance rates in the future?
Yes, when you become eligible to reinstate your driver’s license, car insurance for a suspended license will cost more. You will be classified as a high-risk driver and may have to pay 20 to 40 percent more for coverage. It may take approximately three to five years to overcome a suspended license, depending on the reason for the suspension. The suspension may also stay on your driving record for up to seven years in some states. You may be required to obtain an SR22 form, which proves to the DMV that you will maintain insurance coverage during the recovery process. The SR22 typically lasts for three years, after which you may be able to acquire insurance from a standard carrier.
Will a ticket for driving with a suspended license affect car insurance rates on my job?
If you allow an employee to drive a company vehicle on a suspended license, it could jeopardize your business. Employers are responsible for reporting changes to an employee’s driving status to the insurance company. The employee may be able to obtain a restricted driver’s license that allows them to drive to and from work to perform their job.
Will a ticket for driving with a suspended license affect car insurance rates if I am not driving my car?
If someone else is driving your car with a suspended license, your car could be impounded. In case of an accident, your insurance company may refuse to pay for damages even if the driver is listed on your policy. In some states, you can obtain storage insurance while your license is suspended to protect your vehicle from theft, vandalism, and acts of nature. This coverage is typically inexpensive and can be worthwhile if your car is not kept in a garage.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
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.