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 a state-mandated certificate proving you carry liability insurance, filed directly by your carrier with the DMV. Required after DUI convictions, repeated violations, or driving uninsured in most states for 3 years.
Non-Owner SR-22
Non-owner policies satisfy SR-22 reinstatement requirements without owning a vehicle. Premiums run $300–$600 per year, significantly less than standard policies, and cover you when driving borrowed or rental cars.
Liability Insurance
State minimum liability coverage pays for damage you cause to others. Limits vary from $25,000/$50,000 in some states to $50,000/$100,000 in others, with separate property damage minimums ranging from $10,000 to $25,000.
Uninsured Motorist Coverage
Covers your injuries when hit by a driver with no insurance or insufficient limits. Required in 20 states and recommended in states with uninsured driver rates above 10%, including Mississippi, Michigan, and Tennessee.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers with suspensions, DUIs, or lapses. Premiums run 50–200% higher than standard market rates but provide the coverage needed to meet reinstatement conditions and file SR-22 forms.
