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
An SR-22 is not insurance—it's a certificate your insurer files with the state proving you carry liability coverage. Most DUI and suspension cases require SR-22 filing for 1 to 5 years depending on the violation and state.
Non-Owner SR-22
If you don't own a vehicle but need to satisfy SR-22 requirements, a non-owner policy provides liability coverage when you drive borrowed or rental cars. This is the most common path to reinstatement without owning a car.
Liability Insurance
Liability insurance pays for damage you cause to others—bodily injury and property damage. Every state except New Hampshire mandates minimum liability limits, and reinstatement after suspension typically requires proof you carry at least these minimums.
Uninsured Motorist Coverage
Uninsured motorist coverage protects you when hit by a driver with no insurance. Roughly 13% of U.S. drivers are uninsured, and some states require this coverage as part of reinstatement after a lapse-related suspension.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers—those with suspensions, DUIs, multiple violations, or gaps in coverage. Rates run higher than standard policies, but these carriers are often the only option immediately after reinstatement.
