What can I do if I can’t get insurance coverage?

Last resort auto insurance coverage

If you find yourself unable to get car insurance coverage due to being a new driver, having a very poor driving record or driving an extremely hard-to-insure vehicle, you may need to find high-risk or last resort insurance. Insurance premiums for this type of insurance much higher than you’d regularly expect to pay, but it may be the only way for you to obtain coverage.

You can participate in state-assigned risk pool set up by your state insurance commission. Auto insurance companies agree to insure a share of the drivers in the pool proportionate to how much voluntary insurance business they do within the state.

The procedures for participating in an assigned risk pool vary by state. You can get information on how to join the assigned risk pool in your state by contacting your state insurance department.

ConsumerAction.gov provides a list of the insurance departments by state, which includes the mailing address, telephone number, email address and Web site address, if applicable.

From your state insurance department, you may also be able to obtain a list of insurance companies in your area that specializes in high-risk insurance. Though high-risk insurance is more expensive than standard insurance, it’s better than the alternative of having no insurance at all.