Auto insurance is mandated nearly everywhere in the United States. But it can be hard to get a policy if you have a poor driving record or are seen as a high risk for other reasons. This information will help you find coverage.
Having auto insurance is necessary in order to legally drive a car in the United States. But you might find it difficult to get a policy through traditional private insurance companies if you are a high risk to them because:
If you're denied insurance, the first step is to call another insurer—different companies have different parameters. However, if several insurers have denied you, you may need to consider these options:
While risk pool premiums are substantially higher than insurance obtained directly with a private company, they do provide auto coverage no matter what the driver's history. To find the assigned risk pool or the equivalent in your state, ask your insurance professional or the state insurance department.
To get a list of companies that sell non-standard auto insurance, contact your insurance professional, your state insurance department or Roughnotes, a company that serves the independent insurance agent market and can refer you to the appropriate brokers.
Having to resort to state risk pools or non-standard insurance reduces your choices and is more expensive. But the longer your clean driving and financial records, the better your chance to get back in the good graces of a traditional insurance company. To help:
Next steps: Has your insurer dropped you? Understand the difference between policy cancellation and non-renewal and how it affects your insurance.