How It Works
Enter your ZIP code and tell us about your suspension type
Get matched with carriers who write policies for suspended license drivers in your state
Choose your coverage and your insurer files any required SR-22 directly with your state DMV
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Frequently Asked Questions
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Post-Reinstatement SR-22 Insurance
SR-22 is a filing, not a separate policy—your insurer submits it to prove you carry state-minimum liability. The filing itself costs $25-$50, but your premium will increase 50-100% with the high-risk classification.
Non-Owner SR-22
If you lost your vehicle during suspension or rely on borrowed cars, non-owner SR-22 maintains your filing requirement without insuring a specific vehicle. Policies typically run $30-$60/month depending on your violation history.
Non-Standard Auto Insurance
Standard carriers decline most post-suspension drivers, but non-standard insurers specialize in high-risk profiles. You'll pay higher premiums, but coverage is legally equivalent and accepted at the DMV.
Full Coverage After Reinstatement
If you have a car loan or lease, you'll need collision and comprehensive in addition to liability. Expect $150-$300/month for full coverage with an SR-22 filing, depending on your vehicle value and state.
Liability Insurance
State minimum liability is the legal floor—it pays others' expenses if you cause an accident, but nothing for your own vehicle or injuries. Limits vary by state, from 25/50/25 in California to 50/100/25 in Maine.
High-Risk Auto Insurance
DUI convictions, multiple at-fault accidents, or lapses in coverage move you into high-risk classification. Surcharges last 3-5 years, but rates improve as your violation ages and you maintain continuous coverage.