What Kind Of Auto Insurance Rates Can I Get With A Suspended License Due To Non Payment Of A Ticket?

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   Mark Bartlett CLCS

   Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers

   This will vary by state but a break in your license experience in California will result in a 20% increase in rates as you would not qualify for the good driver discount. This will effect you for 3 years. Any points for tickets (moving violations) or at-fault accidents would further increase your rates.

   Answered on January 24, 2014

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   Dmitriy Glazer

   You can't get insurance if your license is suspended. However, if you have a restrictive license (the one court activates for you to drive to and from work) the rates will be about the same - shop with multiple carriers to find a best deal.
   
   And if you have already cleared the ticket and your license is back to the active status, same like above, you should be able to find coverage with regular rates.
   The carrier will increase rates when you have points on your record and/or property damage / injuries during the last 3 years of your driving history. You can get your driving record at any DMV in your state. You can also buy your driving report online. Usually DMV charges $3-$10, whereas online vendors charge $19.99+.

   Answered on January 28, 2014

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   If your license is currently under suspension, the chances aren't very good. Here in CT, you wouldn't be able to obtain it. If you have insurance now, and your company learns of the suspension, it is also possible that they will cancel your policy mid term, though they must give you fair warning of this action. If you have no insurance for a period of time, many companies will not offer standard market coverage due to their requirement that one must have proof of continuous coverage for at least 6 months. If you are in that situation, once your license is restored, you wil be able to find coverage but more than likely it will be at a much higher rate through the non standard market.

   Answered on May 26, 2016

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