Restricted License Insurance Coverage
Compare IID restricted license insurance requirements and SR-22 filing across 21 states.
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Enter your ZIP code and tell us about your suspension type
Get matched with carriers who write policies for suspended license drivers in your state
Choose your coverage and your insurer files any required SR-22 directly with your state DMV
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
IID Restricted License CoverageInsurance for drivers with ignition interlock device requirements under restricted license programs. IID installation runs $75-$150, with monthly monitoring fees of $60-$100 in most states.
SR-22 for Restricted LicenseSR-22 filing is required for 3 years post-DUI in most restricted-terminology states, longer in some jurisdictions. Filing fee is typically $25-$50, separate from premium increases.
California IID Restricted LicenseCalifornia offers a 12-month IID Restricted License that the DMV can issue administratively after a DUI without a court hearing. Among the most accessible restricted programs in the country.
Illinois BAIID CoverageIllinois requires a formal hearing before the Secretary of State for Restricted Driving Permits. BAIID monitoring program is more onerous than standard IID requirements in other states.
Michigan Restricted LicenseMichigan requires a hearing before the Driver Assessment and Appeal Division (DAAD) post-revocation. Restricted license issuance follows a longer procedural path than administrative states.
Non-Owner SR-22Non-owner SR-22 policies provide liability coverage without a registered vehicle. Used by restricted license holders who don't own a car but need proof of financial responsibility.Recent Articles
7/13/2026Illinois Restricted Driving Permit GuideIllinois RDP requires a formal hearing before the Secretary of State. BAIID must be installed before your hearing. Application fee: $8. Apply today.
7/13/2026South Dakota Required Car InsuranceSouth Dakota requires 25/50/25 liability and uninsured motorist coverage. DUI and most suspensions add SR-22 filing for 3 years.
7/13/2026SR-22 Cost in LouisianaLouisiana SR-22 filing costs $15-$50 one-time plus 3 years of elevated premiums. Compare non-standard carriers and ignition interlock requirements today.
Get Insured on Your Restricted License
Get My Restricted License Insurance QuoteFrequently Asked Questions
What is a restricted license?
A restricted license is a state-issued driving privilege that allows limited driving (typically to work, school, medical appointments, or IID servicing) during a DUI suspension period. It requires IID installation in all restricted-terminology states and SR-22 filing for 3 years in most jurisdictions.
Does California require a hearing for a restricted license?
No. California offers a 12-month IID Restricted License that the DMV can issue administratively after a DUI without a court hearing, making it one of the most accessible restricted programs in the country.
How long does SR-22 filing last after a DUI?
SR-22 filing is required for 3 years post-DUI in most restricted-terminology states, measured from the conviction date or reinstatement date depending on state law. Illinois and California require 3 years; Virginia requires 3 years through the VASAP program.
What is the difference between a restricted license and a hardship license?
Both terms describe limited driving privileges during suspension, but restricted-terminology states issue formal restricted licenses tied to IID installation. Hardship license is the term used in Florida, Georgia, and other non-restricted-terminology states with different procedural mechanics.
Can I get non-owner insurance with a restricted license?
Yes. Non-owner SR-22 policies provide liability coverage without a registered vehicle and satisfy restricted license insurance requirements. Used by drivers who don't own a car but need proof of financial responsibility to maintain a restricted license.
Does Illinois require BAIID for all restricted licenses?
Yes. Illinois requires Breath Alcohol Ignition Interlock Device (BAIID) installation for Restricted Driving Permits after DUI. A formal hearing before the Secretary of State is required, with more onerous monitoring than standard IID programs in other states.