Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Written by Jessica Sautter
Content Writer Jessica Sautter

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
Content Writer Natasha McLachlan

UPDATED: Mar 23, 2022

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It is quite common for people to let their driver’s license expire for some reasons, although forgetfulness tends to be the most popular. Insurance companies and law enforcement agencies understand that this can happen, but there are still penalties involved for those that car insurance with an expired license.

Everything gets hard with an expired license. Filing a car insurance claim with an expired license is difficult, and that is just one of the issues you may experience with an expired license. Driving with an expired license will immediately put you on the list of high-risk drivers.

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Can I Get Car Insurance with an Expired License?

The answer is yes depending on a number of factors. If you are renewing your vehicle insurance, then you will get it automatically as long as you pay the bill. However, this does not mean that you should start driving without being properly licensed through your local DMV office. Get quotes from us to learn how much it costs to you.

Getting car insurance from another company with an expired license is more difficult, but it can be done as long as you renew the driver’s license soon. Frankly, you should address the driver’s license first if it is expired and then get proof of insurance, but many insurance companies will go ahead and sell you a policy because there are conditions built-in to the insurance coverage. Plus, if you have no driver’s license, then you cannot get car insurance at all, not even basic liability coverage.

So, the answer to the question – can I get car insurance with an expired license is yes, but there are some caveats you will need to address.

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Did the police pull you over with an expired license?

If the police pull you over for any reason, and your license is expired, what happens next will depend on how long it has been expired. Most states offer a grace period of 30 days which means that the police may let you off with a warning or ticket. However, if you get your driver’s license renewed during that time, the ticket fee may be waived by the court.

Similar to other reckless driving violations, if you receive a citation for this issue on a 2nd offense or a 3rd offense, penalties will become progressively stiffer in most states.

However, if your driver’s license has been expired for more than 90 days, this will often result in a traffic offense and have points placed on your license.

Your car insurance premiums will almost certainly go up in this case. However, it will not raise them as much compared to having a suspended license or driving without a license at all.

Car insurance with suspended license is a different story. As a vehicle owner, you will need to fill out a special form and have it filed with the state as part of getting coverage. And keep in mind, as the Insurance Information Institute (III) reports, each state has its own rules and procedures for renewal. Check with your state’s rules and regulations when it comes to the right procedures to get auto insurance, and avoid any lapse of insurance.

If you are involved in an accident with a driver’s license that is expired by more than 30 days, your insurance company may dispute the claim because you were not properly entitled to be driving the vehicle.

Does an expired license affect insurance?

Perhaps you’ve relocated, and have had to move your car across the country. Or, perhaps life has just kept you busy with unexpected events and circumstances, and you just forgot. We get it. There can be a number of valid reasons why your license is expired.

But the big question of whether an expired license will affect your car insurance is an important one. This will depend on your state laws, rules, and regulations. In states where you can walk out the door with a renewed license, the process will only take a few minutes. However, all fees must be paid first before you can get your driver’s license back.

You can get car insurance with no license required. In most cases, no license car insurance is possible if the expiration was less than a month old. However, it is a matter to be addressed quickly so that you can avoid any future penalties.

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