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.
Reinstatement Insurance
Insurance required to get your license back after a suspension. Most states require proof of liability coverage at reinstatement, but not SR-22 filing unless your suspension involved DUI or multiple violations.
State Minimum Coverage
The lowest legal liability limits your state allows. Unpaid ticket suspensions typically require minimum coverage proof at reinstatement, with monthly premiums ranging from $35 to $90 depending on state and driving record.
Liability Insurance
Covers damage you cause to other people and property. Every state requires bodily injury and property damage liability before reinstating a suspended license.
Non-Standard Auto Insurance
Coverage for drivers who don't qualify for standard rates due to license suspensions, payment history, or multiple violations. Non-standard carriers typically charge 30–60% more than standard market rates.
High-Risk Auto Insurance
Insurance for drivers flagged as high-risk by carriers due to suspensions, lapses, or violations. If your suspension lasted more than 90 days, expect high-risk classification for 12–36 months after reinstatement.
SR-22 Insurance
Proof-of-insurance filing required after certain violations. Unpaid tickets alone rarely trigger SR-22 requirements unless combined with DUI, multiple at-fault accidents, or driving on a suspended license.