Yes, you can typically get car insurance with a restricted license, but it will be more expensive and your options will be limited. A restricted license, such as a hardship license or a provisional license, indicates to insurers that you are a higher-risk driver. The key is to shop around, as some major insurers may decline coverage while specialized non-standard companies are more likely to offer a policy, albeit at a higher premium.
The type of restriction heavily influences your options. A provisional license for a young driver is common, and while rates are high, most insurers will provide coverage. A hardship license granted after a suspension (e.g., for a DUI) presents a greater challenge, with fewer companies willing to insure you.
Factors that will affect your insurance application and cost:
- Reason for the Restriction: A DUI is viewed more severely than a suspension for unpaid fines.
- State Laws: Insurance requirements vary significantly by state.
- Your Driving History: Prior violations compound the risk.
- Vehicle Type: Insuring a high-performance car will be more difficult than a standard sedan.
You will likely need to file an SR-22 or FR-44 form (a certificate of financial responsibility) with your state if your license was suspended for serious offenses. This verifies you carry the state-mandated minimum liability insurance. Not all companies file these forms, so you must find one that does.
| Common Restricted License Types & Typical Insurer Response | |
|---|
| Provisional License (Teen Driver) | Widely accepted by most major insurers, but premiums are significantly higher than for adult drivers. |
| Hardship License (Post-DUI Suspension) | Limited acceptance; primarily through non-standard, high-risk insurers. SR-22 filing almost always required. |
| Occupational/Restricted for Work | Generally accepted by many insurers, but underwriting is stricter. Premiums are moderately increased. |
| Learner's Permit | Easily insured when added to a parent's or guardian's policy. Cannot purchase a standalone policy. |
| Ignition Interlock Device Restriction | Requires a specific policy endorsement. Only insurers specializing in high-risk drivers will offer coverage. |
Be prepared to provide full details about your license restriction and shop quotes from multiple companies. Maintaining a clean record after getting your restricted license is crucial for eventually lowering your rates.
