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Insurance After License Suspension

Understand your obligations across all 50 states—whether you need SR-22 filing, non-owner coverage, or liability-only reinstatement.

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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

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

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SR-22 InsuranceSR-22 is a state-mandated proof of insurance filing, not a separate policy. Most states require 3 years of continuous filing after DUI, reckless driving, or driving uninsured.

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Non-Owner SR-22Non-owner policies satisfy SR-22 requirements without owning a vehicle. Required in 47 states for drivers seeking reinstatement who don't have a car registered in their name.

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Liability InsuranceLiability coverage pays for damage you cause to others. State minimums range from 25/50/25 in California to 50/100/25 in Maine, with 38 states accepting electronic proof.

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Uninsured Motorist CoverageUninsured motorist protection covers your injuries when hit by a driver without insurance. Required in 20 states and recommended in areas where 15% or more drivers are uninsured.

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Non-Standard Auto InsuranceNon-standard carriers specialize in suspended license, DUI, and high-point drivers. Premiums run 40-80% higher than standard market but offer same-day SR-22 filing in most states.

Recent Articles

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7/14/2026American Family SR-22 After Colorado DUIAmerican Family writes Colorado auto but not post-DUI SR-22. Bristol West, Dairyland, Progressive handle filing. 270-day suspension, 3-year filing period.

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7/14/2026The General SR-22 After Colorado DUIThe General files Colorado SR-22 with manual underwriting for DUI cases. 3-year filing period required. Compare non-standard carriers now.

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7/14/2026Farmers SR-22 After DUI in ColoradoFarmers writes Colorado SR-22 but rejects most DUI cases. Bristol West and Dairyland file immediately at $301–$481/mo. Get a quote today.

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See Who Insures Colorado Drivers After a DUI

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Frequently Asked Questions

Do I need insurance if my license is suspended and I'm not driving?

Most states require continuous insurance coverage as a condition of reinstatement, even if you're not driving. A non-owner SR-22 policy satisfies this requirement without owning a vehicle, and lapses reset your filing period in 43 states.

How long does SR-22 filing last after suspension?

SR-22 filing lasts 3 years in 36 states, 5 years in California and Florida for DUI violations, and 2 years in 8 states for non-DUI suspensions. The clock starts from your conviction date or reinstatement date depending on state law.

Can I switch carriers during my SR-22 filing period?

Yes, you can switch carriers anytime, but the new carrier must file SR-22 before your old policy cancels. A lapse of even one day resets your 3-year filing requirement in 38 states and triggers a new suspension in 22 states.