Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 3, 2021

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Key Takeaways

  • High-risk car insurance companies can cover drivers who’ve received a non-renewal notice
  • Non-renewal notices are often associated with bad driving records
  • You can dispute a non-renewal notice

Are you searching for auto insurance companies that cover drivers with a non-renewable notice?

Car insurance companies that don’t cover drivers with a non-renewable notice want to avoid insuring a high-risk driver.

Don’t worry — we’re here to help. Our guide can show you how you can find auto insurance after a non-renewal notice.

After you learn everything about car insurance companies that cover drivers with a non-renewable notice, enter your ZIP code to compare multiple companies near you.

Which car insurance companies accept drivers who received a non-renewal insurance letter?

Most insurance companies send a non-renewal notice because you’re a high-risk driver. However, there are a few companies that provide high-risk auto insurance.

Here’s a list of car insurance companies that cover drivers with a non-renewal notice.

  • Dairyland
  • The General
  • Direct Auto
  • GEICO
  • Progressive
  • 21st Century
  • Acceptance
  • Kemper
  • Safe Auto
  • Gainsco
  • National General Insurance
  • Bristol West
  • Infinity

GEICO and Progressive are the best auto insurance companies on the list by market share.

But Dairyland, Safe Auto, and The General could be better options when more prominent car insurance companies deny your policy request.

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What should I do if a car insurance company won’t renew my policy?

Auto insurance companies that don’t cover drivers with a non-renewable notice may decide not to send you a renewal letter for many reasons. Some of those reasons include:

  • Multiple at-fault insurance claims
  • Too many traffic violations
  • You have a DUI or DWI conviction

You may also receive a non-renewal letter because you bought a new car or you moved to another state.

If you receive a non-renewal notice, you’ll need to shop for car insurance. You can also go to your local DMV and ask for assistance if you’re denied coverage through the voluntary insurance market.

Do state laws require car insurance companies to send non-renewal notices?

The answer is yes. Most states require auto insurance companies to send a non-renewal notice a month before your policy ends.

For example, the New York Department of Financial Services says that car insurance companies must send a non-renewal notice 45 to 90 days before the policy expires.

How much are car insurance rates after you’ve received a non-renewal notice?

If you’ve received a non-renewal notice due to a bad driving record, you’re likely to have higher than average auto insurance rates at another company.

Check out the car insurance rates from the best insurance companies based on driving records.

Average Monthly Car Insurance Rates by Company and Driving Record
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly Rates w/ One DUI Conviction
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292

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Accidents and DUI convictions produce the highest auto insurance rates. But speeding tickets don’t have quite as significant an impact on car insurance quotes.

Can I dispute a notice of non-renewal?

Yes, you can. Contact your car insurance company and explain your situation. You might be awarded a renewal if you were found not guilty of a traffic violation or DUI offense.

What’s the difference between non-renewal and cancellation?

Non-renewal notices are alerts that explain that your auto insurance policy won’t have an option to renew after the policy term ends.

But non-renewal notices can occur after you’ve had the same car insurance policy for a while.

Cancellation is a sudden halt in auto insurance services by you or the insurance company during the policy term.

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Car Insurance Companies That Cover Drivers With a Non-Renewable Notice: The Bottom Line

If you think your car insurance company is making a mistake, you have a right to dispute the non-renewal notice.

Although there are several reasons why you might have received a non-renewal notice, it doesn’t mean you can’t get auto insurance anywhere else.

Now that you know more about car insurance companies that cover drivers with a non-renewable notice, use our free online comparison tool to locate insurance companies in your area.

Frequently Asked Questions: Car Insurance Companies That Cover Drivers With a Non-Renewable Notice

Do you want to know more about non-renewal notices? Check out our answers to frequently asked questions for more details.

#1 – What should I do after receiving a non-renewal notice?

You can dispute a non-renewal notice, but it’s recommended that you pursue a policy at another car insurance company if you can’t get your renewal request approved by your current insurance company.

#2 – Do I need an SR-22 certification after receiving a non-renewable notice?

It depends on your driving record. If you have multiple traffic violations, accidents, or a DUI conviction, you may require an SR-22.

#3 – How long does high-risk car insurance last?

Your high-risk status may last up to three years. However, it could last longer if you have serious driving infractions on your driving history.