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.
SR-22 Insurance After Uninsured Suspension
SR-22 is a state-required proof of insurance filing, not a separate policy. Filing periods for uninsured suspensions range from 1 year in California to 5 years in Florida, and the clock resets if your coverage lapses again.
Non-Owner SR-22
Non-owner SR-22 policies satisfy state filing requirements without requiring vehicle ownership. Rates typically run $25–$50 per month, significantly less than standard policies.
Reinstatement Insurance
Reinstatement insurance combines liability coverage with the SR-22 filing your state requires to lift a suspension. Total reinstatement costs include your ticket fine, DMV reinstatement fee, and the first month's premium.
Liability Insurance
State minimum liability coverage pays for damage you cause to others in an accident. Minimum limits vary widely: California requires $15,000 bodily injury per person, while Alaska requires $50,000.
High-Risk Auto Insurance
High-risk policies cover drivers with suspensions, violations, or lapsed coverage. Expect rates 50–200% higher than standard policies, depending on your state and violation history.
Non-Standard Auto Insurance
Non-standard carriers specialize in coverage for drivers with suspensions, DUIs, or gaps in coverage. These insurers often file SR-22 forms electronically the same day you buy the policy.