Can I keep auto insurance while my driver’s license is revoked?

If your license was revoked or suspended, your insurance company may cancel your policy, or it may allow you to keep your coverage. Learn what you can expect to happen with your insurance after a license revocation.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 13, 2022

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Things to Remember...

  • You cannot keep your insurance if your driver’s license is revoked
  • Driving with a revoked or suspended license is against the law
  • Having your driver’s license revoked means you’ll need to find an alternative means of transportation

We understand that if you lose your driver’s license, it can be life-changing and stressful. You may be wondering, ‘Is my car insurance valid if my license is suspended or revoked?’ Learn about the potential legal repercussions, whether you can still qualify for auto insurance, and the reasons your insurance company could cancel your policy below.

Am I still insured if my license is suspended or revoked?

If your license is revoked, you may still be able to insure your vehicle, but the insurer may cancel your insurance, as well as prevent you from purchasing a new policy. It’s best to contact your insurance company directly to be sure. 

Purchasing or keeping your auto insurance if your license is suspended or revoked depends on multiple factors. Those include circumstances of the suspension or revocation, the time left on the policy, and the type of policy you have or want to purchase, plus any requirements from your insurance provider. Another key factor is the reason your license was suspended or revoked.

The answer to this question varies from state to state, but there are some general reasons that could cause your license to be revoked or suspended:

  • Driving without insurance and/or registration 
  • Driving while under the influence
  • Accumulation of points
  • An excess amount of traffic tickets
  • Failure to make a payment or deadline

Whether the suspension is definite or indefinite depends on the laws in each individual state. 

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What happens if you drive with a revoked license?

Insurance companies have access to much of the same data as the DMV, so even if you do not notify your insurance provider that your driver’s license has been suspended or revoked, they will find out. So what happens if your license is revoked? Or what happens with your insurance if your license is suspended

Suspension is usually temporary, while a revoked license means you lose it permanently. There may be subtle differences in how they affect your auto insurance policy. First, you may not qualify to purchase a new policy or renew an existing one if your license is suspended or revoked. This is because you do not have a valid license, and you can’t legally drive. But what if you have an existing policy already? How will having your license revoked or suspended affect it?

  • Definite suspension- Definite suspension means that there is a date limit. At the end of that period, you will need to pay any applicable fines and apply to have your driver’s license reinstated. If you are caught driving or get in an accident, you will not be covered. Even if your insurance company doesn’t cancel your policy, if it comes up for renewal before the suspension period is over you won’t be able to renew.
  • Indefinite suspension- With indefinite suspension, there is no end date to the suspension period. Rather, the driver is required to take a certain action or fulfill a certain requirement before they can qualify to have their license reinstated. Therefore, your insurance company may not necessarily cancel your policy. If you comply with the requirements as quickly as possible, you may be able to get back in the driver’s seat without any gap or lapse in coverage. 
  • Administrative review suspension- This kind of suspension is usually related to a medical condition that makes it hazardous for a person to drive. They will only lift the suspension after a doctor makes a written recommendation based on a change in condition. Without the doctor’s recommendation, your policy will eventually expire and you’ll be unable to renew.
  • Revocation- Driver’s license revocation is viewed as permanent, so as soon as your insurance company is notified your policy will be canceled. Even if they don’t cancel it, you will not be covered if you are in an accident and do not have a valid driver’s license. 

There’s really no sense in insuring a car you can’t drive. And as hard as it may seem, it is not worth getting caught by the police if you are driving without a valid driver’s license. It will only make your situation worse. So consider other modes of travel, such as public transportation, carpooling, or cycling.  

Final Thoughts on Keeping Auto Insurance When Your License Is Revoked 

A suspended license may not need to cause a lapse in coverage. But if your license is revoked or suspended for a definite time period, it may be canceled until your license is reinstated. Even if it’s not canceled, you won’t be able to renew it or purchase a new one. Driving without auto insurance or a valid driver’s license is illegal, so you’ll need to find an alternate means of transportation until you’re able to get it reinstated.

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