does liability insurance costs go up after your license are reinstated?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 23, 2012

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Insurance Question from Bethlehem, NC

Asked on 12/23/2012

does liability insurance costs go up after your license are reinstated? My license were revoked due to evading and eluding in nc. I can get them back in April, 2013. Will by liability insurance costs go up because of the suspension?

Answer given on December 26, 2012

Auto insurance companies determine the cost of your insurance based on your driving record. They generally use the last three years for minor infractions, such as speeding, or stop signs, but for major violations they will go back 5 to 10 years. Each isurance company is differant, and the laws of the state will often affect how they rate for major violations. Also a suspended or revoked license affects the rates.When you are nearing the reinstatement date for your license contact insurance companies for a quote for your insurance. Some will deny a quote due to your record, but there are insurance companies that specialize in drivers with less than stellar records. You will pay more to begin with, but as you go forward, and if you have no more tickets or accidents, you will start to see the rates go back down. Be sure to get multiple quotes as the rates can vary dramatically between insurance companies.

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