Car insurance for restricted license

If you're granted a restricted license, you'll need car insurance to drive. You need insurance to get your license reinstated: Before your license can be reinstated, you'll often have to complete certain steps like paying outstanding fines, completing a defensive driving course, and providing proof of car insurance.

The reason for your driver's license suspension, the reason for your restricted license request and your driving record are all considered as part of the application process. Restricted licenses are sometimes called occupational licenses, hardship licenses or work licenses.

The raise is not because of the restricted license, but because the insurer thinks that people with previous DUIs are more likely to get into accidents. The same might also apply to other offenses. There’s no denying that both speeding and alcohol have significant impacts on driver safety and increases the insurer’s risk.