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.
SR-22 Insurance
SR-22 is a certificate of financial responsibility filed by your insurer to prove continuous coverage to your state's DMV. Required after DUI, reckless driving, or driving without insurance in 49 states.
Non-Owner SR-22
Non-owner policies provide liability coverage without requiring vehicle ownership. Most states accept non-owner SR-22 filings to satisfy reinstatement conditions if you don't own a car.
Liability Insurance
Liability pays for injuries and property damage you cause to others. State minimum limits range from 15/30/5 in California to 50/100/25 in Maine.
Uninsured Motorist Coverage
Uninsured motorist coverage protects you when hit by a driver with no insurance. Required in 20 states and especially important in states with high uninsured driver rates like Mississippi (29%) and Michigan (26%).
Hardship License Insurance
Hardship licenses allow limited driving during suspension for work, school, or medical appointments. 38 states offer hardship provisions, each with specific insurance requirements and restrictions.
Non-Standard Auto Insurance
Non-standard policies cover drivers denied by standard carriers due to violations, suspensions, or lapses. Expect rates 50-300% higher than standard market depending on violation severity and state.
