Auto Insurance Without a Car or With a Suspended License 

Auto insurance provides crucial financial protection and is required for Louisiana drivers. Getting appropriate car insurance can seem tricky if you don’t have a car or your license is suspended. The agents at Penzato Insurance Agency can evaluate your situation and get you the coverage you need.  


Can I Get Insurance On a Suspended License? 


Yes, it is possible to get car insurance with a suspended license. While securing coverage may be more difficult, your agent can help you find a company to cover your vehicle.  


Louisiana requires all vehicles operating in the state to have a valid registration, which also requires the owner to maintain minimum amounts of liability coverage. If you finance or lease a car, your lienholder requires full coverage insurance, even if your license is suspended.  


While you can’t be rated as a driver on the policy if you can’t legally drive, you may have the following options: 

• If you co-own the car and the other owner is on the title, insure the vehicle in their name.

• Put a household member with a clean driving record on the policy as the primary driver.

• Gain approval for a restricted license or hardship license, which may allow you to drive to work or school.

Contact your agent immediately if the Louisiana Department of Motor Vehicles (DMV) requires you to file an SR-22 form proving you have the minimum required liability coverage. Not every Louisiana driver must file an SR-22 form, but failing to meet the requirement can prevent you from getting your license reinstated.  


How to Get Auto Insurance Without a Car 


If your name isn’t on the title of a car, you can still get insurance. Non-owner car insurance may provide liability coverage for damages or injuries you cause while driving a borrowed or rented vehicle.  


Liability insurance may help cover your legal liability for third-party property damage and bodily injuries up to the policy’s dollar limits. Your agent can help you secure this coverage.  


Contact Us 


Contact Penzato Insurance Agency in Hammond, Louisiana, to learn more about getting appropriate auto insurance coverage, even if you have a suspended license or don’t own a vehicle.