Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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 6, 2020

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Key takeaways...

  • You are never excused from the legal requirement in your state to have car insurance if you are going to officially drive a car or even drive someone else’s car on public roads
  • Every insurance company has a different underwriting process for assessing the risk level of each driver, which means that you may be able to get coverage from another company if you are denied at first
  • Shopping around online for different auto insurance quotes is one of the best ways to make sure that you have exhausted all of your options for traditional car insurance coverage before you have to resort to more expensive options
  • The major auto insurance providers have a tier of auto insurance policies reserved for high-risk drivers, but these policies cost much more
  • Each state has its own high-risk pool for car insurance for drivers who have been turned away by major auto insurance companies

There are many reasons why you could have been denied auto insurance at first from a traditional auto insurance provider, such as having a poor driving record or having accumulated many points on your driver’s license for moving violations.

The best thing to do is try and avoid getting in this situation in the first place. However, if you have already been turned down for coverage, you should keep shopping around for quotes online to try and get traditional auto insurance coverage.

If this fails, there are options for coverage through the department of insurance for your state. Enter your zip code above to find car insurance rates that work for your budget today!

Top Reasons Why Your Request for Auto Insurance Coverage May Have Been Denied

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If you have been denied coverage for auto insurance, you may be able to find out from the company why your application was denied. One of the common reasons why a driver is not able to get a policy is because he or she has a very bad driving record.

This could include having tickets for major moving violations, such as a conviction for a DUI. After a certain period of time has passed, these convictions may drop off of your driving record for auto insurance purposes.

In addition, if you have been involved in a number of car accidents in which you were at fault, you may be considered too high of a risk as a driver to get a traditional auto insurance policy.

If the accidents involved serious personal injuries to other drivers or pedestrians, this will have a more negative impact on your driving record. Insurance companies are leery of accepting a driver who has a history of very expensive claims in the past.

The time frame in which the accidents occurred could also have an impact. In general, the longer time that has passed since you have been involved in an accident, the better chances of you being able to find auto insurance coverage options at a reasonable rate.

Another reason why you may run into some difficulties getting car insurance coverage is that you have various insurance violations on your record.

This could include having your car insurance canceled because you did not pay your premium on time. If this happened to you and you did not find another policy right away, your insurance record could show a lapse in auto insurance coverage.

This does not look good for any driver because the major auto insurance companies will take pause before agreeing to insure this type of high-risk driver.

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What to Do After Receiving Notice that You Have Been Denied Auto Insurance Coverage

If you are stuck with a poor driving record or a history of auto accidents that you have caused, you may have to put in a little more work in finding a reasonable auto insurance policy.

Keep in mind that you cannot get away from the requirement to have auto insurance coverage in your state just because you have received a denial of your auto insurance application. This just means that you have to look a bit harder into other options.

The easiest place to start in researching auto insurance options is online. Remember that every auto insurance company has a different way that it evaluates applications for auto insurance coverage.

Just because you are denied coverage by one particular car insurance company does not mean that another company will not accept your application for coverage.

Getting a range of quotes is the best way to ensure that you have checked into all of the traditional options for car insurance coverage in your area.

If you have gone through the process of submitting your information online and have already received three or more denials of coverage, then you may need to explore some non-traditional options for auto insurance coverage.

Be prepared to pay a bit more for any of these options because they are only used in last resort scenarios.

Other Options for Getting the Required Car Insurance Coverage in Your State

Each state imposes its own set of regulations on auto insurance providers, such as requiring each insurance company that operates in the state to contribute to a state-assigned risk pool.

These are risk pools for high-risk drivers who are unable to get auto insurance through traditional means. Each insurance company assumes the risk of the drivers in the pool and has responsibility for paying out liability claims for the drivers in the state-assigned risk pool.

Each state has a different procedure for signing up for the state-assigned risk pool. The best way to get qualified for coverage is to contact the department of insurance for your state.

You can also find out how much you will have to pay for coverage. The rates will be different for every state and will also depend on your particular driving record and credit score.

As an alternative to having to sign up for a state-assigned risk pool for auto insurance coverage, you may also be able to secure a policy from an auto insurance company that specializes in providing policies for high-risk drivers.

The same reality applies as with the state-assigned risk pool with respect to having to pay a higher price for coverage.

One of the reasons that you may choose to go with a private insurer for high-risk auto insurance is that you have a modified or performance sports cars. These cars are difficult for a regular auto insurance company to insure because they are difficult to value in terms of the cost of a repair after damage.

If you are going to buy one of these cars, then you should invest some time looking into your insurance options before you show up to actually purchase the car.

How to Get Back to Traditional Auto Insurance Coverage

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Even though it may be frustrating to receive news that you are not accepted for a traditional auto insurance policy, there is some hope in that you could be eligible again after a period of time.

There are definitely steps that you can take to improve your driving record and insurance score in the interim.

The easiest way to improve your driving record is to exercise caution and not get any additional tickets for moving violations.

This will also help reduce your risk of causing an auto accident. Past accidents and traffic tickets will eventually drop off of your driving record and will no longer factor into your risk level as a driver during the underwriting process.

Once you have let enough time pass since your last ticket or accident, you should try to apply again for regular auto insurance options for coverage. 

This means that you can look forward to eventually paying a more affordable price for auto insurance coverage. Taking a driver safety course could be another way that you secure a more reasonable rate in the future.

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What to Do if You Can’t Get Auto Insurance Coverage

Getting turned down for an auto insurance policy can be frustrating, but there are always other options available for drivers.

Make sure that you have tried as many quotes as possible before turning to a state-assigned risk pool or requesting a policy from an insurance company that specializes in covering high-risk drivers.

These options are going to be more expensive for you, but you can always apply in the future for regular coverage when your driving record improves.

Enter your zip code below to find the best car insurance rates in your area today!