A driver with any conviction history, whether through driving or not, would have a more challenging time finding affordable vehicle insurance than somebody with a “perfect” record. Indeed, some providers will refuse to cover someone with a sinister past, no matter how minor. However, this does not mean you should lose hope; many insurance firms will be willing to help. Thus, we have highlighted some tips which will help you work out how to pick the best car insurance for banned drivers.
Best Car Insurance for Banned Drivers
Every year, many motorists are banned from driving owing to traffic violations ranging from drunken driving convictions to speeding and everything in between. It will be more difficult to obtain insurance, and most conventional insurers will refuse to provide you with a quote. Even if they do provide a quote, the cost could be exorbitant. As a result, we’ve highlighted a few insurance companies that specialize in insuring those who have been banned.
As you might assume, the rate is proportional to the degree of the violation or claim, but it is usually far lower than what regular insurance would charge. This will aid you to get back on the road and re-establish your no claims bonus and driving record.
If you have a driving ban and are having trouble getting a quotation or quoted a very high premium, our list of the best auto insurance for banned drivers will come in handy. Come along!
Geico Auto Insurance
Geico Auto Insurance offers one of the best car insurance for banned drivers. It’s also known for offering affordable prices to customers straight over the phone and online. It is available in all 50 states of the United States and the District of Columbia. Geico might be suitable for you if you’re looking for affordable auto insurance coverage for banned drivers and you’re comfortable managing your accounts online when an agent isn’t available.
In addition to basic car insurance coverage, Geico provides the following:
- Coverage for mechanical failure: Except for faults caused by wear and tear, this covers repairs to all mechanical parts of a new automobile that is less than 15 months old and has fewer than 15,000 kilometers. Coverage for mechanical failure can be renewed for up to seven years or 100,000 miles, whichever comes first, and does not cover routine maintenance like tune-ups.
- Insurance for rideshare drivers: This option allows single insurance that covers both personal and ridesharing use. Suppose you drive for a rideshare company like Uber or Lyft or a delivery service like Instacart or GrubHub. You can use this hybrid insurance to replace your existing auto policy on the ride-sharing vehicle. Geico further offers ride-sharing insurance in 40 states as well as the District of Columbia.
Direct Auto Insurance
Direct Auto Insurance is a subsidiary of the Direct General Group. They usually specialize in providing auto insurance to banned drivers who are unable to obtain coverage elsewhere. If you’ve been rejected coverage due to at-fault accidents, low credit, or other difficulties, or if you want to meet your state’s statutory liability insurance criteria, Direct Auto Insurance might be right for you.
In addition to standard auto insurance coverage, Direct Auto Insurance provides the following:
- Personal injury protection (PIP): Often known as no-fault insurance, this provides medical and funeral costs incurred from an automobile accident, regardless of who is to blame.
- Accidental death cover: This pays your beneficiary a $5,000 death benefit if you die in an accident covered by the policy.
- Flexible payment options: You can choose the day of the month your vehicle insurance payment comes due and payable in various ways, including over the phone with text-to-pay and person.
- SR-22 insurance forms: Direct Auto Insurance can offer you an SR-22 form if your state needs it. This is a document that indicates you have the minimum liability coverage required by your state. If you’ve been guilty of a DUI or similar major traffic infraction, you may need an SR-22 form.
Infinity Auto Insurance
Kemper, a nonstandard insurer, owns Infinity. The firm provides some of the best car insurance for banned drivers today. Infinity, according to studies, usually serves drivers within Miami and Los Angeles. Drivers in five states can use it: Arizona, California, Florida, Georgia, and Texas.
In addition to standard auto insurance coverage, Infinity Auto Insurance provides the following:
- Accidental death cover: This pays your beneficiary a $6,000 death benefit if you die in an accident covered by the policy.
- Flexible payment options: You can choose the day of the month your vehicle insurance payment comes due and payable in various ways, including over the phone with text-to-pay and person.
The General auto insurance
In Nashville, Tennessee, general auto insurance provides car insurance for banned drivers and can issue SR-22 paperwork in most states.
General auto insurance is also a suitable option for drivers with bad credit, moving infractions, accidents, or insurance lapses, as well as drivers who have had trouble receiving insurance from other firms in the past.
In addition to standard auto insurance coverage, General auto insurance provides the following:
- Personal injury protection (PIP): Often known as no-fault insurance, this provides medical and funeral costs incurred from an automobile accident, regardless of who is to blame.
- SR-22 insurance forms: Direct Auto Insurance can offer you an SR-22 form if your state needs it. This is a document that indicates you have the minimum liability coverage required by your state. If you’ve been guilty of a DUI or similar major traffic infraction, you may need an SR-22 form.
Kemper auto insurance
Kemper auto insurance is well recognized for insuring drivers who have been banned from driving. In addition to homeowners, life, and supplemental health insurance, the organization offers a variety of other products. In most states, you can purchase this auto insurance coverage through brokers or, in some cases, directly from Kemper.
Kemper may be worth a look if you’ve had difficulties getting auto insurance elsewhere due to bad credit or a bad driving record.
In addition to standard auto insurance coverage, General auto insurance provides the following:
- SR-22 insurance forms: After a DUI or other major offence, several states require you to fill out an SR-22 form to confirm you have insurance.
- Salvage cover: Vehicles that have been salvaged are covered by the insurance. Most “salvage title” vehicles that have been rebuilt after being wrecked in a crash will be covered by Kemper.
- Prompt alerts: If your policy is about to be cancelled due to nonpayment, you’ll receive text alerts.
- Broad form insurance: This ensures a particular driver instead of the vehicle. If you own multiple vehicles, this may be a more cost-effective choice.
Why would you require Auto Insurance for Banned Drivers?
A ban may make it more difficult to obtain vehicle insurance as a driver. And even if you succeed, this is sometimes far more expensive than for those who have not been banned. A driving prohibition does not have to be the result of a driving conviction, too; it could be the result of a minor infraction that does not influence how you drive. However, many insurers may refuse to give coverage.
Because banned drivers are more likely to be involved in accidents and file claims, they are statistically a higher risk. As a result, drivers who have been banned may be regarded too high-risk to insure. At this point, the only available option is getting auto insurance for banned drivers.
Offenses that can lead to a driving ban
For significant traffic violations, driving bans are enforced in addition to penalties and points. The length of time is usually dependent on the severity of the traffic violation. The more serious the traffic offense, the longer the driving ban will be.
In the United States, more than a quarter of a million motorists are routinely banned from driving each year. A driving prohibition is required for certain motoring offenses. In the case of minor violations, the court may exercise its discretion to ban a driver.
A banned driver may apply for a reduction in the length of their suspension for certain offenses. In all, obtaining insurance during the ban period may be difficult. As a result, it’s recommended to stay away from situations that could lead to this. The following are some of the offenses that might result in a driving ban:
A. Excessive speed
The most prevalent reason for a driving ban is excessive speeding. If you wish to keep your driver’s license, then you should never go over the following speed limits:
- 30 km/h in the city
- 40 km/h outside of town
Furthermore, driving too fast can jeopardize your driver’s license. If you are flashed repeatedly with a speed of more than 25 km/h in less than a year, you will be banned from driving.
B. Driving while drunk
Insurance companies consider drunk driving to be a severe offense because there is a considerable risk of property damage (including your automobile) as well as injuries or death. As a result, your auto insurance premium may quadruple, and you will be required to pay a considerably higher premium if you submit a claim. Some insurance firms will refuse to insure you at all.
If your driving offense is severe – for example, death by dangerous driving – the conviction will stay on your record for up to 11 years.
A four-week driving ban is also possible if the value is between 0.5 and 1.0 per mile (at the first offense). However, be aware that your driver’s license might be suspended for as low as 0.3 per mile in the event of an accident. There is also the possibility of a fine and jail. Additionally, all new drivers under 21 years of age have a blood alcohol limit of 0.0 during their probationary term.
C. Driving while under the influence of narcotics
Driving while under the influence of hard drugs (e.g., cannabis) will result in a fine of at least $500 and two points, as well as a driving ban for the first offense.
D. An inattentive railway crossing
Passing a railway crossing without waiting, ignoring yellow/red light indicators or lowering barriers might result in a driving ban.
E. Getting through a red traffic signal
A breach of a red light or stop line that lasts more than one second or is related to a hazard will earn you a driving ban. This carries a minimum fine of $200 and two points too.
F. Talking on your phone while driving
All road users are at risk when they drive and use a cell phone. Since its debut, the use of mobile phones that causes property damage or a hazard to road traffic has been grounds for a driving ban.
How to Find the Best Car Insurance for Banned Drivers
Some insurers would flatly deny anyone with any form of conviction, and others will refuse those with driving bans while covering those convicted of charges like shoplifting. You may still get the best vehicle insurance for banned drivers if you follow the appropriate steps. Here are a few tips:
Seek assistance from insurance experts
You can always look for vehicle insurance firms that specialize in providing coverage to banned drivers if you’re having problems finding coverage. The main disadvantage is that these suppliers will often charge you more as a result of the ban.
Buy your insurance policy ahead.
It may seem like a great deal of money, but buying your policy all at once can help you obtain the best coverage if you get a ban. On the other hand, monthly payments frequently come with extra interest, so you end up having to pay more altogether.
Limit your driving distance
The less time you spend on the road, the less likely you will be in an accident. This will significantly improve your chances of obtaining the best car insurance for banned drivers.
Take an intensive course.
If you’ve been banned from driving, some insurers will cover you if you complete an advanced driving course. Remember that while calculating your quotation as a banned driver, insurers consider a variety of criteria. This data includes your age, region, vehicle type, and driving record.
Frequently Asked Questions
Is it necessary for me to notify my insurer if I get a driving ban?
Yes. You must immediately notify your insurer if you have been banned from driving. At this point, they will temporarily change your coverage for the duration of your driving ban. If you’ve been temporarily banned from driving and want to keep your automobile for when you go back on the road, you must have third-party liability insurance too.
What convictions do I have to tell my insurer about?
Always inform your insurer of any penalty points you have, as well as any convictions or current prosecutions. If you don’t, your insurance may become invalid, and your insurer may refuse to pay you if you file a claim. Also, the time it takes for a conviction to become cleared is determined by the nature of the offense.
Is it possible to get insurance if I’ve been banned from driving in the past?
Yes. It may be more challenging but not impossible to obtain insurance after being banned from driving. Insurance is, in reality, a legal obligation. So it’s not something you should ignore after a ban.
What is the easiest way for me to locate the best auto insurance for banned drivers?
The following recommendations will help you get the best car insurance for banned drivers:
- Seek assistance from insurance experts.
- Buy your insurance policy ahead
- Reduce the number of miles you travel.
- Consider taking a more advanced course.
How do I get back on the road after a driving ban?
Below are some recommendations to help you get back on the road after a driving ban:
Make an appointment for a thorough auto service: During your driving ban, your automobile may be sitting in your garage or on your driveway for years. If this is the case, you should schedule a comprehensive service before driving it. On the other hand, if you have the time and knowledge, you may perform some simple checks and adjustments yourself.
Consider enrolling in a refresher course: If you’ve been off the road for an extended period, you might want to take a refresher course to brush up on your driving skills. Courses can be customized to your unique needs depending on the supplier.
Do not revert to old practices: This is a crucial point to remember. You’ve been waiting a long time to get back on the road; don’t ruin it by repeating the same mistakes that got you banned in the first instance. Make more effort to be a safe and caring driver, and you will not be convicted of another driving offense.
Get the most affordable vehicle insurance possible: When you’ve gotten your driver’s license back and are ready to get back on the road, enlist the help of an insurance company. They will find you a driver insurance policy that meets your demands and fits your budget.
Conclusion
In conclusion, even if you are a generally safe and capable driver, a driving ban might have you counting the cost for years. On the other hand, we can help you discover an insurance policy to guarantee your safety through the tips highlighted above.
