Home / License Suspended for No Insurance? How to Reinstate It in Every State
License Suspended for No Insurance? How to Reinstate It in Every State
The short answer
In most states, getting a license back after a suspension for no insurance takes the same few steps: buy a policy that meets the state minimum, have the insurer send proof to the state (an SR-22 in states that require one), pay the state's reinstatement fee, and finish any suspension period on your notice. Your notice and the state agency decide the exact steps; each state's page below lists them from the agency's own website.
The usual steps
- Read your suspension notice: it names the reason, the agency and any end date.
- Buy liability insurance at or above your state's minimum (minimums by state).
- If your state requires an SR-22 or a similar form, ask the insurer to file it (states that use another form or none).
- Pay the state's reinstatement fee (fees by state).
- Keep the policy active for the whole proof period (how long by state).
Can you buy insurance while your license is suspended?
Often yes, and in many states you must: the state wants proof of insurance before it reinstates you. Texas, for example, lists an SR-22 from your insurer as a step to reinstate a suspended license (Texas DPS), which means the insurer files it while you are still suspended. Each insurer decides whether to sell you a policy. If you do not own a car, a non-owner policy can carry the SR-22.
Steps and fees in each state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
FAQ
Can I get car insurance with a suspended license?
Often yes. Many states require proof of insurance, such as an SR-22, before they reinstate the license, so insurers file it while the license is still suspended. Each insurer decides whether to sell a policy.
Do I need an SR-22 after a suspension for no insurance?
It depends on the state. Many require one, some use another form, and some only ask for proof of a current policy. Check your state's page.
How much does it cost to reinstate a license?
The state's reinstatement fee varies by state and by the reason for the suspension. Every state's fee is on our SR-22 cost page.