Can I Get Auto Insurance in Florida with a Suspended License?

auto insurance

A suspended license creates complications for car insurance, but the bottom line is: Yes, you can be insured in Florida, but know it will probably be more expensive. Yes, you still need insurance coverage. And yes, you definitely want to find an experienced insurance agent. Get expert help so you can navigate this difficult time smoothly while getting the right insurance coverage for you at the best possible price.

Florida Auto Insurance Laws 

From reckless driving to unpaid tickets, from driving under the influence to a lapse in auto coverage, there are many ways to get a suspension on your driver’s license.

Florida insurance providers usually extend car insurance to a driver with a suspended license, but only under certain terms and conditions. The exact coverage is determined by the severity of the infraction and the rules of the insurance provider.

You will need to file an SR-22 in order to drive again. If you received a suspension for driving under the influence, you will be required to carry FR-44 insurance for three years following your suspension.

Must I Keep Auto Insurance Even if I Can’t Drive My Car?

All vehicles with a valid Florida license plate must be insured at all times even if it is in storage or if the driver has a suspended license. Failure to maintain insurance on your vehicle will result in expensive fees as well as further penalties and driving suspensions.

Check Your Auto Insurance Requirements 

The Florida Highway Safety and Motor Vehicles (FLHSMV) will let you know exactly what you need to do to get your license back. This knowledge will inform your car insurance decisions.

To reinstate your license, you may be required to: complete traffic school, pay fees, or simply wait for the probation period to pass. As a side note, traffic school can shave points off your license, helping you avoid another suspension and improving your chances for better coverage options.

If the process sounds complicated, that’s because it is. But with the help of an expert insurance agent you can feel confident you’re meeting all Florida requirements to get your license back.

auto insuranceIf you need help getting back behind the wheel, give Synergy Insurance a try. We’ve helped countless Florida drivers stay protected and insured at the best rates, regardless of past mistakes. Get a free auto insurance quote for your car today to see what we mean. And feel free to give us a call if you need more information on how to handle a license suspension. We’ll help you stay legal and minimize hassles.

Safety behind the wheel is crucial for a clean record. In case of emergency, always have the right documents on hand. Our Auto Accident Workbook has all the important information needed to file a claim, so you can take the guesswork out of your coverage. Click the image to get your copy today, and keep it on file in your vehicle!