Probationary License Insurance, State by State
Find coverage options for conditional and probationary licenses in Indiana, Montana, Wyoming, Colorado, Delaware, and New Jersey.
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Enter your ZIP code and tell us about your suspension type
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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.
Probationary License InsuranceCoverage designed for drivers with court-ordered probationary licenses in Indiana, Montana, and Wyoming. These policies include SR-22 filing and meet approved-purpose restrictions for work, school, and medical travel.
Conditional License InsurancePolicies for conditional license holders in New Jersey, Colorado, and Delaware. New Jersey's Cinderella License includes midnight curfew restrictions and requires DMV surcharge payment instead of SR-22 filing.
Ignition Interlock InsuranceAll six states require ignition interlock devices post-DUI during probationary periods. Carriers must file proof of continuous coverage while the device is installed, typically 6 to 24 months depending on state and violation.
SR-22 InsuranceRequired in Indiana, Montana, Wyoming, Colorado, and Delaware for probationary license reinstatement. New Jersey uses a DMV surcharge system instead, with annual fees ranging $1,000 to $3,000 for three years.
New Jersey Cinderella LicenseNew Jersey's conditional license allows work, school, and medical driving with a midnight return-home requirement. The state does not use SR-22 filing but requires annual surcharge payments to the DMV for three years post-conviction.
Non-Standard Auto InsuranceMost probationary license holders need non-standard carriers willing to file SR-22 or provide IID coverage. Monthly premiums typically range $150 to $300 depending on state, violation type, and coverage limits selected.Recent Articles
6/1/2026NJ Conditional License After First DUINew Jersey's Conditional License requires IDRC program completion and $1,000 annual surcharges. Learn the three-year cost before you apply.
6/1/2026NJ Conditional License After DUINew Jersey's Cinderella License allows work, school, medical driving. Expect $1,000–$3,000/year MVC surcharges. See eligibility steps.
6/1/2026Indiana Probationary License EligibilityIndiana BMV requires SR-22 filing and cleared court fines before Probationary License approval. Learn when to apply to avoid rejection.
Find Coverage for a Probationary License
Get My Probationary License Insurance QuoteFrequently Asked Questions
What is a probationary license?
A probationary license is a restricted driving permit issued after DUI or serious moving violations in Indiana, Montana, and Wyoming. It allows driving for approved purposes like work, school, and medical appointments while you complete court-ordered requirements including SR-22 filing and ignition interlock installation.
Do I need SR-22 insurance for a probationary license?
Indiana, Montana, Wyoming, Colorado, and Delaware require SR-22 filing during your probationary period, typically three years. New Jersey does not use SR-22 but requires payment of annual surcharges directly to the DMV instead.
How long does a probationary license last?
Most states require three years from conviction date. Colorado's Early Reinstatement Program may shorten this with ignition interlock compliance. New Jersey's Conditional License lasts three years with surcharge payments due annually.
What happens if I drive outside approved purposes?
Driving outside work, school, or medical purposes violates your probationary license terms and can result in immediate suspension, extended probationary periods, and potential criminal charges depending on your state. Your insurer will still cover liability claims but your license reinstatement timeline resets.
Do all carriers write probationary license insurance?
No. Standard carriers like State Farm and Allstate typically decline probationary license applicants. You need non-standard carriers experienced with SR-22 filing and high-risk drivers, such as The General, Bristol West, or regional state-specific providers.