Can You Drive on an Expired License?
Driving with an expired driver’s license is risky. Every state sets its own rules about how often a driver must renew their license and enforces its own penalties on drivers who are caught driving with an expired license. Although the penalties for driving with an expired license typically aren’t as severe as the penalties for driving with a suspended or revoked license, that’s not to say they aren’t serious.
What are the risks of driving on an expired license?
Driving with an expired license can result in fines and points on your driving record, which can also affect your insurance coverage. For example, if you’re caught driving with an expired license, you might lose your auto insurance coverage altogether or have to pay a higher premium if your insurance company finds out you’ve been driving with an expired license.
Consequences of Driving on an Expired License by State
Driving on an expired license is illegal and is generally treated the same as driving without a valid license. While some states may allow a brief grace period to renew your expired driver’s license without immediate or severe consequences, once the grace period has ended, you will face penalties. The following chart outlines these potential consequences of driving without a valid license.
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Penalties for Driving Without a License |
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Source: The National Conference of State Legislatures (NCSL)
How often do I need to renew my license?
For most adult drivers, depending on the state, a standard driver's license is typically valid between four and eight years and expires on the driver's birthday. Some states also have age-specific renewal requirements for younger and senior drivers to maintain their driving privileges.
For instance, some states require older adults, typically age 65 and above, to renew their license more frequently. This could be every two to four years and sometimes annually for those in higher age brackets, while other states' renewal requirements are the same for drivers of all ages.
Beginner teenage drivers must follow a three-stage graduated driver licensing (GDL) program. In some states, a license will expire on the driver's 21st birthday, after which they should follow the standard renewal process.
When it’s time to renew your license, you should receive a renewal notice a few months before your license expires. You will be provided your options to renew online, by mail, or in person. Be sure to allow plenty of time to renew your license before it expires.
If you move to a new state, you will generally need to obtain a driver's license in that state after establishing residency. Each state has different laws regarding the timeline for this, which can range from a short 10-day period to 30 or 60 days.
Does coverage still apply with an expired license?
When it comes to auto insurance coverage and having an expired license, insurance companies’ policies and state regulations can vary. Often, many standard and preferred insurers require policyholders to possess a valid driver's license to obtain a policy. An insurance policy may still cover other household members, unless someone is specifically excluded, even if they do not have a valid license.
If your license expires during your policy term and you get into an accident, here’s what you should know: claims are not always denied solely because a driver has an expired license at the time of the incident. Many insurers will still cover liability and injury claims for the named insured and household members, even if they lack a valid driver’s license. However, some insurers may deny a collision claim if the driver had an expired license when the loss occurred.
Some insurers will offer coverage if your license status is invalid, as long as you aren’t driving during that time. For example, you might want to keep your insurance active while waiting for your license to be renewed to avoid higher premiums later or a lapse in coverage. Additionally, you may wish to have certain coverage to protect your vehicle while it is in storage and not being driven.
It is always advisable to check with your insurance provider to clarify your coverage and understand the implications of having an expired license.
How Can I Avoid My License Expiring?
So, how do you avoid driving with an expired license? Be aware of when your driver’s license is set to expire and take care of renewal early. Most states will send you a reminder, and some give you a short grace period to get it taken care of, even if you’re slightly past the expiration date. Again, the penalties depend on where you’re licensed, but they’re often serious. So, make sure you’re familiar with the renewal process, and take care of it as soon as possible.
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