A license suspension is the temporary loss of a driver's legal privilege to operate a motor vehicle. Unlike a license revocation, which terminates driving privileges and often requires a new application for a license, a suspension is temporary and may be lifted after certain state requirements are met. If you've ever wondered what a license suspension is, understanding why it happens and how it may affect your insurance rate can help you prepare for the steps needed to get back on the road legally.
What may cause a license suspension?
The reasons for a driver’s license suspension vary by state, but some of the most common causes include:
- Driving without auto insurance or allowing your policy to lapse
- A DUI or DWI conviction, depending on state laws
- Accumulating too many points on your driving record
- Failing to appear in court or pay traffic fines
- Being involved in an at-fault accident without insurance
According to the Insurance Information Institute, penalties for driving without the required auto insurance may include the suspension of your driver's license or vehicle registration. Requirements and penalties differ by state.
How does a suspension affect auto insurance?
A license suspension may make it more difficult to obtain auto insurance coverage. Depending on the insurer and the reason for the suspension, an insurance company may cancel or choose not to renew an existing policy. Drivers with a suspended license are often considered higher risk, which may result in higher premiums when shopping for suspended license insurance or for insurance after suspension.
In some states, drivers must file an SR-22 after license suspension before their driving privileges can be restored. An SR-22 is not an insurance policy. It is a certificate filed by your insurance company with the state to verify that you carry the required minimum liability insurance coverage.
How is a suspension lifted?
The process to reinstate a suspended license depends on your state's requirements and the reason your license was suspended. In many cases, drivers may need to:
- Pay outstanding traffic fines or fees
- Complete a court-ordered education or treatment program
- Obtain valid auto insurance
- File an SR-22, if required by the state
Because every state has different rules, drivers should verify the reinstatement requirements with the licensing agency that issued their driver's license. To learn more about coverage requirements and state penalties, read Driving Without Insurance Penalties on the Infinity Insurance Agency, Inc. (IIA) Knowledge Center.
Find affordable auto insurance options
If you need insurance after your license is suspended, IIA can help. We work with more than 20 trusted insurance carriers to provide comparable quotes, helping drivers find coverage that fits their budget, including those who may need an SR-22 filing after a license suspension. Our experienced Spanish-bilingual agents are available to explain your options and help you compare policies.
Call 1-855-478-3705 or get a free quote online today.
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