What’s Assigned Risk Auto Insurance?

Assigned risk auto insurance is state-sponsored coverage for high-risk drivers who can’t secure insurance coverage elsewhere. it usually comes with more expensive premiums..

Aly J. Yale

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Courtney Mikulski

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Updated July 4, 2024

assigned risk auto insurance pa

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Table of contents

  • What is assigned risk?
  • How it works
  • Who qualifies?
  • Standard insurance
  • Leaving assigned risk

Table of contents Compare quotes

Assigned risk auto insurance is an option for drivers who have trouble securing a standard car insurance policy, often due to a poor driving record, a low credit score, or because they live in an area at high risk of theft or vandalism. [1]

States establish assigned risk auto insurance programs and require private insurers to participate. Drivers get coverage by applying to their state’s risk pool, and the state assigns them an insurer. While insurers can’t deny eligible drivers coverage through this program, assigned risk car insurance policies aren’t cheap . [2]

Here’s what you need to know about assigned risk insurance, and why it’s important to compare rates from multiple companies before applying for assigned risk coverage.

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What is an assigned risk auto insurance pool?

An assigned risk auto insurance pool is a state-supervised insurance market for high-risk drivers who can’t secure private-market car insurance. These are also called shared insurance markets, as they spread the risk of these higher-risk drivers among various insurance companies in the state.

Drivers can apply for their state’s assigned risk pool, and the state will assign them to an insurance company that must provide them coverage.

Pros and cons of assigned risk car insurance

Guaranteed coverage: Assigned risk insurance guarantees all drivers can get state-minimum coverage — regardless of their driving record, credit score, driving history, or other factors.

Helps drivers comply with law: Most state laws require car insurance, and drivers who don’t have coverage can face fines or criminal charges.

Provides legal protection: Beyond ensuring drivers comply with the law, liability coverage also helps protect you if another driver sues you for damages or injuries.

More expensive rates: Because assigned risk insurance is for higher-risk drivers, premiums are more expensive on these policies than on traditional car insurance. [1]

No choice in insurer: The state assigns drivers participating insurers within the pool, so drivers can’t comparison shop for insurance .

Limited coverage: Assigned risk pools typically only offer the minimum coverage the state requires. Drivers may not have access to additional coverages for more protection.

How assigned risk car insurance works

To get assigned risk car insurance, find your state’s assigned risk insurance pool. For example, in Ohio, it’s the Ohio Automobile Insurance Plan (OAIP). High-risk drivers in New York can use the New York Automobile Insurance Plan (NYAIP) for coverage.

You’ll then apply for your state’s pool using an official application. You can often do this online or by contacting a certified insurance broker or agent within your state.

Once the state approves you for the assigned risk pool, it’ll match you with an insurance company. The insurer assesses your driving record, credit score, location, vehicle, and other factors to determine your policy’s rate. Your coverage amounts and any driving convictions will affect your costs. For example, Texas assigned risk plans require a 60% additional charge if you have a driving under the influence (DUI) conviction. [3]

Who qualifies for assigned risk auto insurance?

Assigned risk car insurance eligibility requirements vary by state. In some states, you may need to certify that you’ve applied for and been denied private market car insurance in a certain period. In others, you just may need to be a resident of the state, have your car registered there, and hold a valid state driver’s license.

You also must be up to date on your recent car insurance premiums. For example, in North Dakota, you’re ineligible if you have any late premiums in the past year.

How to Get Car Insurance With a Suspended License

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Factors that make a driver “high risk”.

Assigned risk insurance is for high-risk drivers, though this doesn’t mean only drivers with incidents on their driving records. Insurance companies may deny you traditional coverage for many reasons, including: [1]

Having no or a bad driving record: Inexperienced drivers, particularly teenagers , may find it difficult to get traditional car insurance coverage, as they’re at a higher risk of potential accidents. Plus, having speeding tickets , at-fault accidents, moving violations, DUI convictions, and more on your record can make you a high-risk driver for insurers.

Lapses in coverage and payment: If you’ve regularly let your insurance coverage lapse or forgotten to pay your premiums, this also makes you a higher risk to insure.

Bad credit scores: Depending on your state, insurance companies may be able to use your credit score to indicate your risk as a policyholder. Insurance companies believe drivers with poor credit are more likely to file a claim. [4]

Living in a risky location: Some areas have higher chances of theft, vandalism, or accidents. If you live in a high-risk area, you may have trouble securing traditional coverage.

Driving a unique or special car: Driving a custom, high-performance, unique, or classic vehicle could put you at higher risk for theft — and make you a higher risk for insurers.

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State-minimum policies start at $19 per month

Assigned risk vs. standard auto insurance

While assigned risk insurance plans ensure drivers can secure the minimum required coverage for their state, they’re not the same as standard car insurance policies. Here’s how these policies differ.

More expensive than standard policiesThe state assigns insurers to driversCoverage usually limited to state-mandated minimumsHigh-risk drivers are typically eligible
High-risk drivers may have trouble getting coverage

How to leave the assigned risk pool

Leaving the high-risk pool depends on why you’re a high-risk driver in the first place. If you have a traffic violation or accident on your record , you may need to wait until the incident falls off your record to qualify for a traditional car insurance policy.

You can work on leaving the assigned risk pool by:

Cleaning up your driving record: In some states, you can take defensive driving courses to dismiss violations or citations. This could help you more easily secure insurance coverage.

Improving your credit score: A better credit score may make it easier to get coverage, too. Paying your bills and debts on time, disputing errors on your credit report, and reducing your debts can help boost your score.

Driving a safer car: If you’re buying a car, consider one with high safety ratings, low theft rates, and anti-theft features. The less likely you are to file a claim, the lower your risk to insurers.

You can also simply wait it out. As you establish a record of driving safely and pay your insurance premiums on time, you become a lower risk to insurers. Some state plans require insurers to provide coverage for an extended period while you work to improve your insurance and driving records. In New York, insurers must cover you for at least three years before they can choose not to renew your policy.

Car Insurance for High-Risk Drivers in New York (2024)

Car Insurance for High-Risk Drivers in New York (2024)

Assigned risk auto insurance faqs.

Assigned risk auto insurance can be confusing, but it’s necessary for high-risk drivers who can’t buy coverage elsewhere. If you need more information regarding assigned risk insurance, see the answers to frequently asked questions below.

What is an assigned risk car insurance plan?

An assigned risk car insurance plan is a state-supervised insurance plan. Statewide insurers must participate in the plan and provide coverage to any eligible driver the state assigns to them. These plans typically come with much higher rates than traditional car insurance policies

What does “high risk” mean in auto insurance?

“High risk” means a driver is more likely to file a claim. High-risk drivers are usually drivers with poor driving records, low credit scores, little driving experience, or a history of not paying previous car insurance premiums.

Who writes assigned risk car insurance policies?

Private insurance companies write assigned risk car insurance policies. The state requires companies to participate in the assigned risk market and assigns these insurers to eligible drivers.

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Aly J. Yale

Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.

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  • High-Risk and SR-22 Auto Insurance in Pennsylvania Explained

By Emily Schmidt

P icture this: you’re on the freeway heading home from an Eagles game in Philadelphia when you accidentally hit another driver who happens to be a Giants fan. Little did you know your insurance policy expired last week, and you forgot to renew it, so you were uninsured when you caused the accident. 

Those with a history of driving uninsured, at-fault accidents, or other risky choices behind the wheel are classified as high-risk drivers and may face legal consequences and expensive premiums on their car insurance policies in the Quaker State . 

Keep reading to find out who’s considered a high-risk driver in the state, what types of policies are available to drivers in this category, and how the high-risk insurance marketplace works in the state.

High-Risk Auto Insurance in Pennsylvania Explained

Auto insurance for high-risk drivers in Pennsylvania isn’t actually a separate type of insurance or coverage but rather a category a driver is placed in by their insurer that helps the insurer determine the driver’s premiums. A driver may be considered high-risk for various reasons, like having a history of at-fault accidents, driving without insurance, driving while intoxicated, or making otherwise risky decisions behind the wheel. 

While insurers mostly use these driving factors to deem a policyholder a high-risk driver, some other non-driving factors may contribute to this categorization, like one’s age , gender , ZIP code, or credit score. Insurers use these factors in tandem with a policyholder’s driving record to assess the risk they take by binding a policy with a driver. If a policyholder has several driving and non-driving factors that land them in a high-risk category, they will see higher premiums for their policy. 

For example, drivers that live in densely populated cities like Pittsburgh or Philadelphia typically pay higher premiums because they’re at higher risk of being involved in an accident and filing a claim with their insurer. So, insurers charge these policyholders higher premiums to compensate for the risk they take by insuring such a driver. 

What Is Pennsylvania Assigned Risk Auto Insurance?

In Pennsylvania, assigned risk auto insurance is a type of policy a high-risk driver can bind through a non-standard insurer. Many insurers won’t bind a policy with a high-risk driver, so they decline to cover drivers in this category. This means those who need coverage the most can’t get it through a standard insurer and must search elsewhere. Luckily, other insurers, often called non-standard or specialized insurers, offer assigned risk car insurance policies for those with difficulty binding with a standard insurer.

The Pennsylvania assigned risk auto insurance plan, or PA ARP is a pool in which high-risk drivers can enroll to be selected by a non-standard insurer willing to bind a policy with the driver. Both non-standard and standard insurers participate in this pool, but getting a policy with a standard insurer through the PA ARP isn’t the same as binding a policy with a standard insurer directly. 

While the PA ARP sounds like a perfect compromise for high-risk drivers, it has a downside. Assigned risk plans are often costly, making them a last resort for high-risk drivers. Since an assigned risk plan is so expensive, drivers aren’t allowed to enroll until they’ve proven they can’t get a policy directly from any standard or non-standard insurers. 

What Is SR-22 Insurance in Pennsylvania?

SR-22 insurance isn’t required in Pennsylvania. Instead, financial responsibility filing in Pennsylvania is verified by paying one’s insurance premiums to the full amount when they’re due. In states that require them, an SR-22 is a document a high-risk driver’s insurer files with the state on behalf of the policyholder to certify they have an active and sufficient car insurance policy and the financial means to pay the costs associated with the policy. While the document doesn’t exist in the Keystone State, drivers are still legally required to maintain an adequate policy at all times.

All drivers must have the minimum amount of coverage legally required in the state , which is $15,000 of bodily injury liability per person, $20,000 of bodily injury liability per accident, $5,000 of property damage liability per accident (15/30/5 liability coverage), and $5,000 of personal injury protection or PIP.  

Those who finance or lease their vehicles may be required by their lender or leaser to carry collision coverage and comprehensive coverage as a facet of their legally binding agreement. Drivers who fail to carry this coverage or fail to pay the premiums associated with this coverage will eventually run into serious legal trouble and face difficulty when attempting to bind a new policy.

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How To Find Car Insurance for High-Risk Drivers in Pennsylvania

Finding high-risk car insurance in Pennsylvania can be tough because many insurers avoid binding policies for drivers highly likely to file multiple claims. However, high-risk drivers can get the coverage they need in a few different ways. 

The first place to start your search for high-risk auto insurance is with one of the state’s top insurers , like State Farm or Geico, as they offer policies for some high-risk drivers. Starting your search with a standard insurer will eliminate any extra steps you may not need to take and guarantee you’re getting a policy through a highly reputable insurer with plenty of perks like optional coverages and an array of discounts. 

If you can’t find a standard insurer that will take you on as a policyholder, you may want to start searching for a non-standard insurer specializing in car insurance for high-risk drivers . Non-standard insurers are a great option for those who can’t find coverage elsewhere. Still, policies with such insurers typically come with an added cost and fewer benefits than those offered by standard insurers. 

As a last resort, those who can’t bind a policy directly with a standard or a non-standard insurer may need to enroll in the PA ARP. This system will randomly assign a driver to an insurer participating in the program. This is often a last resort because it’s typically the most expensive and restrictive option, as drivers at this stage have no choice but to bind a policy with the insurer to which they’re assigned. 

How To Get Affordable Car Insurance for High-Risk Drivers in Pennslyvania

The lowest cost car insurance for a high-risk driver in Pennsylvania can be found in several places. The best way to lower your premiums significantly is to have a minimum coverage policy that only contains the legally required amount of coverage in the state. The average premium for a full coverage policy in the Quaker State is about $1,660 annually for a low-risk driver, so the average premium for a minimum coverage policy will be about $830 annually. While high-risk drivers typically pay double or triple what a low-risk driver pays, a minimum coverage policy will always cost less than full coverage.

However, the cheapest policy in the state isn’t always the best option. Many drivers, especially those who’ve had at-fault accidents, prefer full coverage over minimum coverage. A policy that exceeds the legal coverage limits is always safer for the driver, their passengers, and other drivers on the road than a minimum coverage one. While a full coverage policy is more expensive than one that only meets the legal limits, it’s still possible to lower your premiums while maintaining adequate legal coverage.

The best way for drivers with a poor record to have a full coverage policy that doesn’t break the bank is to utilize discounts. Many insurers offer a variety of discounts, ranging from criteria-based to enrollment-based. Typically, criteria-based discounts like those for good students , those who bundle multiple policies , or those with multiple cars on the same policy may take up to 15% off your annual premium.

Enrollment-based discounts require a bit more from the policyholder but typically have a larger payoff, sometimes up to 20% off the policyholder’s annual premium. Some insurers offer drivers the option to enroll in a usage-based driving program in which they can use a telematics device to track and send their driving data to their insurer to receive a discount based on their driving score. With such programs, the better the score, the better the discount. 

Some insurers also offer pay-per-mile programs for drivers who drive below the national average of 12,000 miles annually. These programs allow drivers to only pay for what they need if they drive infrequently or don’t use their car for several months during the year.

If you’re a high-risk driver in Pennsylvania and you’re having a tough time finding a policy, the best way to start your search is to get and compare quotes online . By getting and comparing quotes online, you can ensure you’re getting a policy that meets all your needs but doesn’t break the bank.

Lucky for you, we have a free quoting tool right here at Clovered. Simply input some basic information about you, and in minutes, you can access quotes from a range of insurers across the Keystone State. If you prefer to speak with an agent about your quote or have any questions about high-risk insurance, you can contact one of our licensed agents at 833-255-4117 or [email protected] .

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  • Car Insurance

What Is Assigned Risk Pool For Auto Insurance?

Ashley Kilroy

Updated: Oct 9, 2023, 6:10am

What Is Assigned Risk Pool For Auto Insurance?

Drivers who rack up speeding tickets or cause multiple accidents could have trouble finding affordable auto insurance. While a driving mishap or two are likely to increase your rates, too many infractions could result in car insurance companies denying you coverage.

If you can’t find auto insurance in the “voluntary market”—meaning where you choose your own insurance company—you might be faced with joining an assigned risk pool. These pools ensure that drivers can buy the state’s minimum insurance requirements when other insurers turn them down.

But getting car insurance through the assigned risk pool is typically a last resort option. Before you go this route, make sure you understand how it works.

What Are Auto Insurance Assigned Risk Pools?

The traditional method for buying car insurance is through the voluntary market. You submit an application for a policy and the insurance company will decide to offer you coverage at a certain rate. But drivers who have a higher risk of making claims can have problems finding a company that will sell them insurance—or they may be offered insurance at a very high price.

But if you own a car you need to meet your state’s car liability insurance requirements. If you can’t get insurance through the voluntary market, you may need to apply to your state’s assigned risk pool.

Car insurance companies must participate in the state pool and they must accept drivers who are assigned to them. If you are in the assigned risk pool, you’ll get coverage no matter what’s on your driving history, even if you have a bunch of speeding tickets or DUI convictions.

There’s Always a Catch

Here’s one catch: Car insurance rates in the assigned risk pool are significantly higher than you would find in the voluntary market. And another: Your coverage options may be limited. For example, you may not be able to buy collision and comprehensive insurance in some state pools.

In New York’s assigned risk plan you’re limited to $250,000 in liability coverage for bodily injury to one person in a car accident and you can add collision and comprehensive coverage. But if you have significant assets (such as a house and savings) that exceed your liability limits, your insurance will be inadequate. You won’t have enough insurance to cover what you could lose in a lawsuit .

Ending Up in the Assigned Risk Pool

There are some key factors that can funnel you into an assigned risk pool, such as:

  • No insurance record or a poor insurance record. If you haven’t had an insurance policy before, have a history of missing payments or have a gap in your coverage history, insurers might perceive you as a high risk and deny you coverage.
  • Poor driving record. This can include a history of traffic violations, DUI/DWI convictions and at-fault car accidents.
  • No driving history. Newly licensed drivers (such as teen drivers) are inexperienced and are more likely to have risky driving habits.
  • Poor credit. Insurers correlate poor credit scores with being more likely to make a car insurance claim .
  • Your location has high theft and vandalism rates. Insurers could deny coverage if you live in an area that has a high risk of car theft and vandalism.

If your car insurance application is denied, don’t give up right away—move on to another insurance company. Insurers all have different underwriting criteria, and a driver denied by one company could be accepted by another. It’s a good idea to compare car insurance quotes from several insurance companies.

If you’re having trouble getting car insurance, try a nonstandard auto insurance company. A nonstandard auto insurance policy is through a private insurer and typically costs more than a standard policy, but is a better choice than the assigned risk pool.

If you run out of options, usually any auto insurance agent in the state can help you apply to the assigned risk pool. Over time, when you have improved your driving record—or whatever dumped you into the pool in the first place—you can try again to buy car insurance in the voluntary market.

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With 15 years of immersion in the world of personal finance, Ashley Kilroy simplifies financial concepts for individuals striving toward financial security. Her expertise has been showcased in reputable publications including Rolling Stone, SmartAsset and Money Talks News. She's committed to equipping readers with the knowledge needed to achieve their financial goals.

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Best Cheap Car Insurance Companies for High-Risk Drivers in Pennsylvania

State Farm offers the best auto insurance to high-risk drivers in Pennsylvania, with an average annual insurance premium of $1,415, making it also the cheapest insurance for high-risk drivers in the state.

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Mark Fitzpatrick

Head of P&C Insurance, MoneyGeek

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

assigned risk auto insurance pa

Kathryn Schroeder

Content Editor

Kathryn has always loved a good book, but from a very young age, she was constantly distracted by their oh-so-common typos. Enter her commitment to publishing error-free and engaging content, whether related to healthcare, personal finance, SaaS, the arts, travel, or the latest world news. She’s covered those verticals and more in her 15+ year career as an editor and writer for a variety of major publications and companies.  Kathryn holds a Bachelor of Arts in Film and Media Studies with a concentration in theory, and a minor in Women’s Studies, from the University of California, Irvine. She spent nearly a decade traveling the world, writing and editing along the way. With her passport on hiatus, you can find her obsessing over dinosaurs at museums, rewatching the best science fiction movies, or reading maps and geeking out on geography and off-the-beaten-path destinations.

Updated: May 20, 2024

Advertising & Editorial Disclosure

  • Cheapest for High-Risk Drivers
  • Best for High-Risk Drivers
  • Cheapest After a DUI
  • Cheapest for Teen Drivers
  • Cheapest for Bad Credit
  • How Much It Costs
  • Insurance for Rejected Applicants

Methodology

With a bad driving record, insurance companies may charge you a higher premium due to the risk they consider you to pose. However, by shopping around and comparing quotes from many high-risk insurers in Pennsylvania, you can find the best car insurance policy.

High-risk drivers in Pennsylvania can find a policy from State Farm that has great customer service and affordability. State Farm's policy is also the cheapest in the state for high-risk drivers, costing around $1,415 a year. Remember, your personalized insurance quote might vary greatly based on several variables.

Best Companies for High-Risk Drivers in 2023

Allstate

Insurers commonly believe that high-risk drivers are more likely to file a claim. If you have a history of at-fault accidents, tickets or a DUI conviction, you may be considered a high-risk driver. Due to their inexperience on the road, insuring a teen driver is also seen as a risky proposition.

Insurance companies typically charge a higher premium to high-risk drivers to account for the higher likelihood of a claim. High-risk drivers in Pennsylvania should anticipate an auto insurance premium increase of around 27%.

A driver who has a history of serious traffic offenses is considered to be high-risk. These include drag racing, driving while intoxicated or under the influence of drugs or alcohol (DUI) and operating a vehicle while their license is suspended or revoked.

Despite having a spotless driving record, insurance companies may still view you as high-risk in specific circumstances. High-risk drivers include, for example:

  • Drivers with a history of traffic violations or at-fault accidents
  • Drivers with a DUI conviction
  • Drivers caught driving with a suspended or revoked license
  • Young drivers with a lack of driving experience
  • Drivers who drive sports cars or participate in drag racing
  • Drivers with bad credit or lapses in insurance coverage

Cheapest Car Insurance in Pennsylvania for High-Risk Drivers

According to MoneyGeek's research, State Farm offers the most affordable auto insurance in Pennsylvania for drivers who pose a higher risk to insurers. The average annual premium for a policy from this provider is $1,415.

For additional information on the insurer’s benefits, downsides and pricing, check out the detailed State Farm review provided by MoneyGeek.

Annual Premium$1,415
Annual Premium$1,529
Annual Premium$1,804
Annual Premium$2,192
Annual Premium$2,354
Annual Premium$2,421
Annual Premium$2,749
Annual Premium$2,993

Drivers convicted of major traffic violations or caught without insurance or a license need SR-22 insurance. SR-22 is a form that your insurer files to demonstrate your financial responsibility by confirming that you have a policy that meets the minimum state requirements.

Pennsylvania does not mandate drivers to have SR-22 insurance , but drivers should expect an increase in their car insurance in the state.

Best Car Insurance in Pennsylvania for High-Risk Drivers

Amongst the high-risk auto insurance companies in Pennsylvania, State Farm, with a score of 94 out of 100, is the best, as per MoneyGeek's analysis. Our State Farm review takes a comprehensive look at the company's coverage options, average rates and customer service to help you understand more about it.

Erie is the second-best in the state for high-risk drivers, with a total score of 93 out of 100.

Erie

by MoneyGeek

Affordability Rating

Satisfaction Rating

Claims Rating

Financial Stability Rating

In Pennsylvania, Erie's high-risk auto insurance costs approximately $1,529 annually. Its premium for high-risk drivers is roughly 22% more than for those with a clean driving record.

Erie is the second cheapest insurer for high-risk drivers in Pennsylvania. It only offers a few add-on coverages, including rental car reimbursement and accident forgiveness.

But the company doesn't offer common coverages like roadside assistance, gap insurance and rideshare insurance.

However, it offers nine discounts, including airbag, anti-lock brakes and young safe driver.

State Farm

State Farm’s high-risk auto insurance costs around $1,415 per year in Pennsylvania. Its insurance premium for high-risk drivers is around 11% more than for drivers with clean histories.

State Farm is a nationwide insurer. It offers a few add-on coverages, including rideshare insurance, as well as discounts for students and drivers with cars that have airbags, anti-theft systems and for a new vehicle.

However, the company doesn't offer common coverages like accident forgiveness, better car replacement coverage or gap insurance.

Quality shouldn't have to be compromised while looking for auto policies on a budget. Finding low-cost auto insurance in Pennsylvania is possible. Even though there isn't a state-funded program for low-income drivers, choosing state minimum coverage or pay-per-mile insurance for those who rarely drive may be good options.

Cheapest Car Insurance in Pennsylvania for Drivers With a DUI

With an average annual cost of $1,377, MoneyGeek found State Farm's quote to be the cheapest in Pennsylvania for drivers with a DUI conviction. Learn more about the insurer's coverages, discounts and customer service by reading MoneyGeek’s State Farm review .

USAA is also often an inexpensive high-risk auto insurance option in the state for active and retired military personnel with a DUI.

Annual Premium$1,377
Annual Premium$1,645
Annual Premium$1,823
Annual Premium$2,318
Annual Premium$2,595
Annual Premium$2,662
Annual Premium$2,710
Annual Premium$4,327

The window of time during which a DUI conviction will remain on a driving record is referred to as the look-back period. The length of look-back periods can vary from state to state, but in general, they are long in order to accommodate stricter jail sentences or penalties for repeat offenders. The Commonwealth of Pennsylvania has a look-back period of 10 years.

Cheapest Car Insurance in Pennsylvania for Teenage Drivers

Teens and young drivers are generally considered high-risk. According to MoneyGeek's analysis, State Farm is the cheapest auto insurer in Pennsylvania for young drivers. The average annual premium for a State Farm auto insurance policy is $4,998 for teens.

Your age and other variables will affect your rate. Check our State Farm review to find out more about this insurance company.

Annual Premium$4,998
Annual Premium$5,977
Annual Premium$6,459
Annual Premium$6,948
Annual Premium$7,654

Auto insurance rates may be prohibitively costly, particularly for teens and students. Full coverage auto insurance is preferable to the state minimum since the added protection it provides in the event of a collision is well worth the cost.

To find the cheapest and best auto insurance for teens and student drivers , you must shop around and compare prices in Pennsylvania.

Cheapest Car Insurance in Pennsylvania for Drivers With Bad Credit

According to MoneyGeek's research on auto insurance quotes with bad credit in Pennsylvania, Nationwide offers the most affordable rate. The average annual premium for a policy from Nationwide is $1,624 for those with bad credit.

Age and other criteria will affect your actual rate. Learn more about this insurance provider by reading our Nationwide review .

Annual Premium1,624Percent Change3%

Those with poor credit in Pennsylvania should expect to pay much more for auto insurance than those with good credit. If you have bad credit, it shouldn't stop you from shopping around for good auto insurance. You can compare rates from insurers and find affordable auto insurance with bad credit .

How Much Does Car Insurance Cost for High-Risk Drivers in Pennsylvania?

When evaluating high-risk car insurance quotes in Pennsylvania, MoneyGeek found insurance companies generally consider driving history and other factors. As a result, the premium for high-risk drivers is usually higher.

High-risk drivers in Pennsylvania pay $2,182 on average each year for insurance compared to $1,557 for drivers with a clean record. The difference in cost is around $625.

Annual Car Insurance Cost in PA for Low-Risk vs. High-Risk Drivers

Low-Risk Driver

High-Risk Driver

This is 40 % more expensive .

MoneyGeek's Pennsylvania car insurance calculator will help you estimate the cost of a policy based on personal information such as your age, vehicle type, driving history and the coverage amount. Additionally, our tool can assist you in determining which element has the most significant impact on your price.

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Rates updated:

Jul 06, 2024

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team .

Can You Still Get Car Insurance in Pennsylvania if Insurers Refuse to Insure You?

Due to the fact that auto insurance is a completely voluntary market, you may be denied coverage if a company feels you present too significant a risk. In the event that this occurs, your best course of action is to contact the Automobile Insurance Plan Service Office (AIPSO) to find a suitable plan from the residual market. This nationwide organization that is not-for-profit has been offering its services in the auto insurance residual market for the last 48 years, during which time it has assisted high-risk drivers in finding suitable insurance policies.

Pennsylvania Automobile Insurance Plan

You can find a residual market plan based on your location using the state-by-state database maintained by AIPSO. The Pennsylvania Assigned Risk Plan (PA ARP) is the residual market plan in Pennsylvania.

Applicants must certify that they've attempted and failed to obtain auto insurance in Pennsylvania during the past 60 days at rates in line with the Plan. All state insurers must be certified by the Governing Committee according to the Insurance Commissioner's requirements and procedures.

Office Hours

Monday–Friday, 8:15 a.m.–4:30 p.m. ET

[email protected]

(401) 946-2800

(855) 224-7349

Mailing Address

Northeast Region, 302 Central Ave., Johnston, RI 02919

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Frequently Asked Questions

It can be difficult to obtain insurance coverage if you are considered a high-risk driver. To simplify the process, MoneyGeek addressed some frequently asked questions regarding Pennsylvania high-risk auto insurance.

MoneyGeek found that State Farm is the best auto insurer for high-risk drivers in Pennsylvania.

According to MoneyGeek, the following average rates in Pennsylvania apply to different categories of high-risk drivers:

  • High-risk driver with a DUI: $1,377 per year
  • Teenage drivers: $4,998 per year
  • High-risk driver with bad credit: $1,624

Insurance companies may classify you as a high-risk driver for having multiple at-fault accidents, repeated fines and violations or a DUI conviction on your driving record. Being a teen also classifies you as a high-risk driver.

If Pennsylvania insurers refuse to cover you, you can apply for the Pennsylvania Assigned Risk Plan (PA ARP) by phoning the insurer at (401) 946-2800 or sending an email to [email protected]. The office is open Monday through Friday, between 8:15 a.m. and 4:30 p.m. Eastern Time.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC , NBC News and Mashable .

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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Denied Car Insurance? Hope Floats in the Assigned-Risk Pool

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If your driving history is full of transgressions, finding a company that'll sell you a car insurance policy can be difficult.

A couple infractions could cause higher rates, but rack up too many serious convictions or tickets and insurers may prefer not to get involved with you at all. This creates big problems if you own a car and lack the insurance required in your state.

If your application for auto insurance is denied, entering the state assigned-risk pool may be the only way to get the coverage you need to drive legally.

Here’s a look at what car insurance assigned-risk pools are and how to know when it’s time to jump in.

What is an assigned-risk car insurance pool?

Drivers who are deemed too risky may be unable to buy car insurance on the private market. But they still need coverage by law if they own vehicles, so states assign them to insurance companies that operate in the state. This grouping is known as the “assigned-risk pool,” “residual market” or “shared market.” Sometimes it’s called the joint underwriting association.

What problems put drivers in the assigned-risk pool?

Each state has its own eligibility rules for the assigned-risk pool.

Typically, if you've tried to buy auto insurance in the past 60 days and were turned down, you can apply to your state’s assigned-risk pool. Some states may require that you be turned down more than once.

Reasons you may be denied car insurance include:

Major driving convictions (DUI or DWI, hit-and-run)

Multiple accidents, tickets or claims on your driving record

Having little or no driving experience

Insurance prices and coverage options for assigned-risk drivers

Expect your auto insurance premiums to be substantially higher in the assigned-risk pool. Your policy options also may be limited to the state minimum liability requirements. Some states may allow you to earn a discount on your assigned-risk pool insurance plan after a certain amount of time with no accidents or driving convictions.

How to find your state’s assigned-risk pool

Generally, any car insurance agent in your state can help you with an assigned-risk policy. You may be asked to prove, declare or certify that you have no other options for buying insurance, depending on the state.

» MORE: What does car insurance cover?

How to get out of the assigned-risk pool

States require insurers to renew assigned-risk pool policies for a set amount of time, generally three years. Assuming you pay your premiums and your driving record stays clean during your pool time, you'll likely qualify for a regular policy by then. If you don't, you can reapply to the assigned-risk pool.

You may be able to climb out of the pool faster if:

You find an insurance company that is willing to sell you a standard policy

Your assigned-risk pool insurer offers you a traditional policy

» MORE: Best car insurance companies for high-risk drivers

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assigned risk auto insurance pa

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§ 33.29 [Pennsylvania Automobile Insurance Plan (assigned risk)].

[(a) An agent who submits an application to the assigned risk plan through the company for which he is a licensed agent is not required to be licensed as an insurance broker in order to handle the delivery of the policy of the company to which the risk is assigned.

(b) Commissions earned on the transaction shall be considered as having been earned in the normal business of the agent with the company for which he holds an agent’s license.

(c) An agent or broker through whom an assigned risk was placed is obligated to return, on a pro rata basis, his unearned commission to the insurance company to which the risk was assigned upon cancellation of a policy by the company. An agent or broker through whom an assigned risk was placed is obligated to return, on a short rate basis, as provided in the policy, his unearned commission to the insurance company to which the risk was assigned upon cancellation of a policy by an insured. In the absence of an explanation satisfactory to the Insurance Department, an agent or broker failing to return unearned commissions as provided in this subsection shall be deemed in violation of sections 633 and 639 of the Insurance Department Act of one thousand nine hundred and twenty-one (40 P. S. §§ 273 and 279) and other applicable laws and shall be subject to penalties as specified therein.

(d) Upon original applications, premium monies to the producer of record shall be in the form of a postal money order, cashier’s check, certified check or personal check made payable to the ”Pennsylvania Automobile Insurance Plan.” The producer of record shall speedily remit such payment in conformance with the rules of the Plan. Upon receipt of such premium monies, the producer of record shall issue a receipt, certifying the date–day, month and year–and time–hour, a.m. or p.m., the applicant’s name and address, the signature of the producer, and the following statement:

”Received for the Pennsylvania Automobile Insurance Plan.”

The producer of record shall maintain appropriate records of original applications, noting the time and date of coverage and shall make available for inspection or photocopying such records by the Plan or by a company representative or the Insurance Department. A copy of such receipt will be sent to the Plan along with other forms in conformance with the rules of the Plan.

(e) If the applicant produces reasonable documentation of payment of the required premium to the producer of record and completion of an application for insurance under the Plan, payment to the producer of record shall be deemed payment to the Plan for the purposes of this subsection. Coverage shall be deemed effective as of the date and time specified in the application and according to sections 11, 12 and 14 of the Plan.

(f) An agent or broker failing to remit premium monies received under subsection (d) violates sections 633, 633.1 and 639 of The Insurance Department Act of one thousand nine hundred and twenty-one (40 P. S. §§ 273, 273.1 and 279) and other applicable laws and are subject to penalties as specified therein.]

Car insurance for high-risk drivers in Pennsylvania

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Navigating car insurance in PA can be particularly challenging if your driving history includes incidents such as a DUI, multiple speeding violations or at-fault accidents. These elements might lead insurance providers to categorize you as a high-risk driver. Generally, being labeled high-risk could mean facing higher insurance premiums. Some drivers might even find it difficult to secure coverage at all. While this situation may appear daunting, it’s important to know that, as a high-risk driver in Pennsylvania, there are typically still options to insure your vehicle.

How much is high-risk auto insurance in Pennsylvania?

Insurance premiums are influenced by various factors, with driving history often playing a significant role. Those seeking insurance for a bad record in PA might find it more challenging to locate affordable options — especially if their driving background includes elements like a DUI, numerous speeding tickets or multiple at-fault accidents. In the following sections, we’ll explore how different driving incidents may influence the cost of car insurance in Pennsylvania . The rates listed below are for full coverage policies, which typically include collision and comprehensive coverage. It’s important to remember, however, that these rates are averages. Individual rates will vary based on your circumstances.

Rates after a speeding ticket

Shopping around to compare quotes from different high-risk auto insurance carriers may help you find the most affordable rates for your situation. You will find that various insurance carriers weigh speeding ticket convictions differently and may increase auto insurance premiums by different amounts. The rates below are for a driver with a single speeding ticket conviction .

Car insurance company PA average annual premium for full coverage before a speeding ticket PA average annual premium for full coverage after a speeding ticket Percent increase
$2,103 $2,214 5%
$1,404 $1,875 34%
$2,236 $2,246 1%

As you can see, your rate increase may vary greatly after a speeding ticket based on the carrier you choose. While the average insurance rate increase in Pennsylvania following a speeding ticket is about 12 percent, all three of the carriers above have average increases below that figure.

Rates after an accident

Car accidents can be expensive, and if you’re the at-fault driver , you might experience a significant insurance premium increase following the incident. Some companies offer accident forgiveness programs for eligible drivers, which could protect you from a rate increase following your first at-fault accident. However, you would need to have this coverage in place before the incident to reap its benefits. These average rates are for drivers with a single at-fault accident on their record.

Car insurance company PA average annual premium for full coverage before an accident PA average annual premium for full coverage after an accident Percent increase
State Farm $2,103 $2,715 29%
Geico $1,404 $2,312 65%
Progressive $2,236 $2,246 1%

Not all carriers treat accidents equally, but some may have steeper rate increases than others. Fortunately, most insurance companies only increase your premium for three to five years following an accident as long as you maintain a clean driving record.

Rates after a DUI

Driving under the influence of alcohol or controlled substances is a serious offense. Besides the risk of causing fatalities, the average DUI might ultimately cost the offender between $10,000 and $25,000 in increased insurance costs, license reinstatement fees and legal expenses. The rates below are for a driver with a single DUI conviction.

Car insurance company PA average annual premium for full coverage before a DUI PA average annual premium for full coverage after a DUI Percent increase
Geico $1,404 $3,111 122%
Progressive $2,236 $2,659 19%

Some car insurance companies are more willing to work with high-risk drivers than others. As you can see, Progressive may offer a less severe rate increase than Geico, but there is no guarantee that you will be eligible for coverage with a DUI. Keep in mind that multiple offenses will result in even higher increases, and some insurers may opt to nonrenew your coverage.

Rate for teen drivers

It may surprise you to know that even teen drivers with a clean driving record may be considered high-risk. The average crash rate for teen drivers is roughly three times higher than that of other age groups. Lack of experience behind the wheel typically prompts insurance companies to charge higher average rates for teen drivers, even when added to their parents’ policy.

Car insurance company Average annual premium for full coverage*
State Farm $4,729
Geico $2,746
Progressive $4,775

*Rates are for a 16-year-old on their married parents’ policy

Although teen drivers may experience high average rates, it might be easier to find coverage with a teen driver than it is if you have multiple driving incidents on your record. If you have a teen driver in your home and are looking to save money on your car insurance, you might consider looking for young driver discounts . These may include discounts for enrolling in a telematics program or maintaining good grades.

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Rates increased up to 12% this year.

Costs will continue to rise through 2022. Shop for a better rate before you renew your current policy.

Who is considered a high-risk driver?

A high-risk driver is someone who insurance companies believe is more likely to be involved in a costly accident. You may be classified as a high-risk driver by an insurance carrier based on your driving record, but there may be other factors involved, such as age. For our purposes, we calculated the rate increases for high-risk drivers in Pennsylvania based on a clean driving record plus one high-risk factor, such as an at-fault accident or the driver’s age.

Some insurance companies may deny coverage to high-risk drivers or dramatically increase insurance premiums. Also, Pennsylvania may suspend or revoke your driver’s license if you are convicted of reckless driving, driving with a suspended license, a DUI and more. Drivers classified as high-risk drivers may have been:

  • At fault in one or more accidents
  • Convicted of one or more DUIs
  • Cited for one or more speeding tickets

Teen drivers are generally considered high-risk even if they are good drivers, but this is usually only temporary. As drivers age out of their teens and gain more experience behind the wheel, they typically see their rates decreasing accordingly, until their 70s.

How to lower your rate if you’re a high-risk driver

If you’re a high-risk driver who has experienced a premium increase, there may still be ways to save on your insurance . These strategies may help offset your rate increase:

  • Practice safe driving: In Pennsylvania, points only stay on your license for one year as long as you have no new violations in that time period. Maintaining a safe driving record after a high-risk incident may lead to lower rates over time.
  • Enroll in a telematics program: Telematics programs are available from many insurance companies and might help you save on your premium by tracking your driving habits in real time. Potential savings may be available for safe driving and low mileage.
  • Shop around: As demonstrated above, different carriers weigh factors differently when determining premiums. If you have a high-risk incident on your record or a young driver in your home, you might find a lower rate by comparing quotes from various companies.

Frequently asked questions

How much is high-risk insurance in pennsylvania, are teens considered high-risk drivers, why is my car insurance more expensive after a speeding ticket, do i need an sr-22 in pennsylvania for a dui, methodology.

Bankrate utilizes Quadrant Information Services to analyze 2024 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents : Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents’ policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

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Assigned Risk Auto Insurance Is It Right For You?

If you need high risk or assigned risk car insurance, you need to know a few things. learn a little and get some quotes..

ARAIP-PAIP-CAIP-AIP high risk or Assigned Risk Auto Insurance markets consists of licensed drivers commonly referred to as needing bad driving record auto insurance who are unable to purchase auto insurance through the Voluntary Market due to a variety of factors, such as their driving history, accident history or status as a first-time driver. The mandated plans often charge rates in most states that does not consider credit, education, length of residency and other factors used by voluntary carriers. By design the high risk state mandated plans operate as a last resort for licensed drivers that cannot obtain car insurance coverage elsewhere in the preferred or voluntary auto insurance marketplace. Most all state plans require that you exhaust all efforts to find coverage first. Find out how much high risk car insurance is.

We have licensed professional experts in High Risk Car Insurance matters. We will search from a list of high risk auto insurance companies for your coverage. Call for immediate consumer quotes (657) 217-8484.

Locate, compare, get quotes and buy an assigned risk auto policy starting now. Find out what your high risk car insurance will cost.

Find affordable High Risk Car insurance quotes near me for drivers with a few points or accidents. Call for quick help now at (657) 217-8484.

Assigned Risk Auto Insurance: Definition and Benefits

Assigned risk auto insurance, also known as shared or pooled risk insurance, is a type of insurance arrangement designed to provide coverage for drivers who are considered to be high-risk. High-risk drivers can include those with a history of tickets, accidents, DUI/DWI convictions, or other issues that make them difficult and expensive to insure. In most cases, these drivers have difficulty finding coverage through traditional insurers due to their higher risk profiles.

In an assigned risk pool, the driver’s policy is purchased by the insurer at an increased premium rate in exchange for providing the driver with coverage. This helps protect the insurer from potential losses associated with higher risk drivers. The policy may require additional restrictions or requirements that must be met in order for the driver to maintain their coverage. For example, some policies may require that drivers take a defensive driving course before they can remain eligible for coverage under the policy.

The benefits of an assigned risk auto insurance policy include access to affordable auto insurance. Without this type of policy, many high-risk drivers would otherwise be unable to obtain any coverage at all due to their financial situation and driving record. Furthermore, an assigned risk policy allows these same individuals to rebuild their driving record over time, which could eventually lead to lower rates and better coverage options in the future.

Finally, an assigned risk auto insurance policy provides liability protection in case of an accident involving bodily injury or property damage. Even if a claim is paid out on behalf of a high-risk driver due to negligence or recklessness behind the wheel, having such a policy in place can help limit legal costs and financial exposure resulting from such events.

Overall, while assigned risk auto policies come with higher premiums than standard policies do, they can still provide considerable benefits when it comes to protecting both insurers and high-risk drivers alike from potential financial harm caused by unexpected events on the roads.

The history of Assigned Risk Auto Insurance in the United States began in the 1920s, when insurance companies began refusing to provide coverage for certain drivers due to their increased risk of filing a claim. This type of discrimination was known as redlining and created an insurmountable barrier for those without access to traditional auto insurance providers. In response, various state governments established pools of funds that were used to cover these “high-risk” drivers.

These pools became known as Assigned Risk Plans (ARP) and are still in use today. The first ARP was started by Massachusetts in 1927 and other states soon followed suit with similar plans. The purpose of these plans was to ensure all drivers had access to insurance regardless of their driving record or credit score.

Over time, ARPs have undergone several changes to better meet the needs of drivers while also providing protection for insurance companies. For example, many states now require drivers who are assigned to an ARP to complete a Driver Safety Course (DSC) before being allowed back into the regular market. Additionally, some states have implemented usage-based insurance rates as part of their ARP programs which allow insurers to set rates based on a driver’s actual driving habits instead of relying solely on past customer data.

Today, there are more than two dozen Assigned Risk Plans across the United States and they serve millions of drivers each year. Though not ideal, these plans provide an important service that allows people with poor driving records or credit scores access to auto insurance at an affordable rate. Without them, these individuals may be unable to obtain coverage – either due to cost or availability – leading them down a dangerous path with potentially devastating consequences both financially and physically.

In the United States, assigned risk auto insurance is an important safety net for motorists who are unable to obtain coverage in the voluntary market. Assigned risk policies provide coverage to drivers who have experienced driving difficulty due to a bad driving record or lack of credit history. In most states, assigned risk plans are regulated by state-level laws, which vary from state to state.

Assigned risk auto insurance can be especially beneficial for young drivers and those with multiple accidents on their driving record. High-risk drivers often cannot find affordable car insurance in the voluntary market, so they may find themselves turning to an assigned risk policy instead.

State regulations regarding high-risk auto insurance vary significantly. For example, some states require insurers to participate in an assigned risk pool while other states allow insurers to offer high-risk policies directly to consumers through special programs or rates specifically designed for this purpose. The availability of these special programs varies by state; some states provide more options than others when it comes to providing assistance for high-risk drivers.

In addition, most states have implemented a form of financial responsibility law that requires drivers obtain at least basic liability coverage regardless of their prior driving record or credit score. This helps ensure that all motorists are insured and encourages responsible driving habits by making sure no driver is operating without proper coverage.

Overall, the availability of assigned risk auto insurance will depend largely on individual state laws and regulations, as well as the willingness of insurers to offer such programs and products. In general, however, individuals who are classified as “high-risk” can generally find some form of coverage in every US state if they know where to look and how much coverage they need. It is important for consumers to educate themselves about their options before shopping around for car insurance so they can make an informed decision about their coverage needs and get the best deal possible.

Technically, in most states your insurer may cancel your policy only if: you fail to pay your premium, you lose your driver’s license, you are guilty of material misrepresentation during the application process i.e., you fail to notify your insurer of a recorded violation, such as a drunken driving, or possession of drugs or any illegal activity offense; or you fail to report a substantial change of risk, such as buying a new high-performance sports car to replace an old high mileage family sedan.

However, your insurer may choose not to renew your policy for a variety of reasons. Do you have a bad driving record? Have you received a lot of speeding tickets? Have you ever been caught driving drunk (DUI Charge)? Not only are these scenarios considered unsafe and illegal, but they are also a justifiable cause for your insurer to label you a bad risk and refuse to renew your policy. Some underwriters may feel compelled to cancel policies after only one accident.

Where do you live? Has the neighborhood changed in the last few years? Have the accident or crime rates risen noticeably?

As regions are reassessed periodically, their status could change and you could suddenly find yourself living in a higher risk area, where your insurer’s rates may not be adequate to cover losses.

What do I do if my auto insurer cancels or refuses to renew my policy? You should quickly start comparing your options!

Even “good” drivers can find themselves in the position of being dropped by their current carrier. Reasons range from a couple of moving violations, or multiple accidents, or other serious violations that make you a high risk to situations outside your control, such as when insurers in your state are suffering severe business losses.

Overall rises in claims or losses can cause insurers to become highly selective in determining whom they can afford to offer to insure. That is why it is important to note that if you are licensed to drive, by law, you are eligible for insurance. However, your options for new coverage may be limited. Each state has created and regulates a market of last resort for those who cannot otherwise obtain coverage. These groups have various names, depending on the state you live in, such as assigned risk auto insurance plans or the residual market, or the high risk pool. Your agent or insurance producer will know more about the particulars in your state.

Regardless of the reason you were dropped or canceled by your insurer, you need to act immediately to get another policy. Under no circumstance should you drive your vehicle without knowing one hundred percent that you have current insurance. Call our high risk car insurance agents to help you find new coverage. If you do find yourself in the assigned risk residual market pool, the price may be higher, but it may be your only alternative in maintaining your freedom to drive.

How do I keep my company from canceling my policy?

The most obvious way to maintain your low-risk status is to keep a clean driving record. If you’ve been in an accident, consider taking a defensive driving course. Even those of us who have been driving for years rarely know the simple tricks to preventing accidents through defensive driving. Also, look into purchasing special safety and security features for your car, such as anti-lock brakes and an alarm system, or try OnStar. Your ARAIP insurance agent at (657) 217-8484 can give you further tips on how to convince your insurer you’re a safe driver.

ASSIGNEDRISKAUTO.ORG IS A FREE CONSUMER RESOURCE STARTED IN 2004 TO ASSIST IN THE PRICING, QUALIFICATIONS AND PURCHASE OF APPROPRIATE ASSIGNED OR HIGH-RISK AUTO INSURANCE COVERAGE FROM PROPERLY LICENSED PRODUCERS OR AGENTS AVAILABLE. YOUR PRIVATE INFORMATION REMAINS BETWEEN YOU AND THAT AGENT OR PRODUCER. WE WILL NEVER SELL NOR RENT YOUR INFORMATION OR EMAIL. ACCEPTANCE IS IMPLIED BY USE OF THIS FREE CONSUMER INTERNET RESOURCE. THIS SITE IS N0T AUTHORIZED BY, AFFILIATED WITH, NOR IN ANY WAY RELATED TO AIPS0, ANY STATE INSURANCE AUTHORITY, NOR ANY STATE APPROVED ASSIGNED RISK AUTOMOBILE INSURANCE PLAN. The STATE plans by design function as an administrator and service insurance agents and carrier rate making rules and company assignments. POLICIES ARE BOUND BY CERTIFIED ASSIGNED RISK PRODUCER AGENTS FOR PERSONAL AND COMMERCIAL HIGH RISK TRUCK INSURANCE POLICIES FOR risks qualified for State-PAIP-CAIP-AIP-Limited Assignment Distribution (LAD) coverage OR OTHER NON-STANDARD CARRIER AND OR E&S OPTIONS .

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  • Personal assigned risk insurance – Personal Auto or Car insurance, HO-3 Coastal homes, coastal homes flood insurance, Mobile Homes , Recreational Vehicles (Boats, Jet Skis, ATVs), Vacant Properties, Inner City Dwellings, Personal Umbrella Policies and many more.
  • Commercial assigned risk insurance – General Contractors , Vacant Commercial/Industrial Properties, Habitational, Professional Liability, Liquor Liability, Bars/Restaurants, Commercial Property , Local Trucking, Busing, Intermediate Trucking, Long Haul Trucking , Taxis & Transportation, Roofing-Roofer, Excess Liability, Errors & Omissions, Medical Malpractice and many more.

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  1. AIPSO > Plan Sites > Pennsylvania

    The Pennsylvania Assigned Risk Plan (PA ARP or the "Plan") was established pursuant to Subchapter D of Chapter 17 or Title 75 (75 Pa. C.S., Vehicle Code of the Commonwealth of Pennsylvania), as amended by Act 6. All insurers writing automobile insurance in Pennsylvania must participate in the PA ARP by providing such insurance.

  2. Auto Insurance Guide

    Applicants are assigned to insurance companies in proportion to the amount of business each company writes in the commonwealth. You may contact the plan's customer service office at (401) 946-2800 or, toll-free, at (800) 477-6146.

  3. Pennsylvania Assigned Risk Plan (PA ARP)

    The Pennsylvania Assigned Risk Plan allocates an auto insurance carrier to high-risk drivers who have been unable to find an insurer in the voluntary market willing to cover them. The PA ARP is a last resort and facilitates insurance for high-risk drivers. When motorists enroll in the PA ARP, they are placed in a residual pool and then randomly ...

  4. Pennsylvania high risk auto insurance consumer help

    The state of Pennsylvania Assigned Risk Automobile Insurance Plan (PAARP) authority was issued under The Insurance Company Law of 1921 (40 P. S. § § 341—991); The Insurance Department Act of 1921 (40 P. S. § § 1—321); sections 206, 506, 1501 and 1502 of The Administrative Code of 1929 (71 P. S. § § 66, 186, 411 and 412); and section 3 ...

  5. Home [www.aipso.com]

    Welcome to AIPSO.com. Since 1973, AIPSO has provided essential services to the insurance industry. We are the service provider of choice to the automobile insurance residual market, aka the market of last resort. As a national organization that addresses local customer needs, centralization and standardization are key to many AIPSO services.

  6. PDF Questions and answers about Automobile Insurance in Pennsylvania

    All insurance companies writing automobile insurance in the commonwealth are required to participate in the plan. Applicants are assigned to insurance companies in proportion to the amount of business each company writes in the commonwealth. You may contact the plan's customer service office at (401) 946-2800, or toll-free at (800) 477-6146.

  7. Insurance Overview

    All motor vehicles subject to registration such as cars, vans, motorcycles, recreational vehicles, trucks and buses must have liability insurance. You are in compliance with the law if you have liability insurance in the following amounts: $15,000 for injury or death of one person in an accident. $30,000 for injury or death of more than one ...

  8. What's Assigned Risk Auto Insurance?

    Assigned risk auto insurance is an option for drivers who have trouble securing a standard car insurance policy, often due to a poor driving record, a low credit score, or because they live in an area at high risk of theft or vandalism. ... Pennsylvania save on car insurance with this quote. $64/mo *Find similar. Quoted June 30, 2024.

  9. High-Risk and SR-22 Auto Insurance in Pennsylvania Explained

    The Pennsylvania assigned risk auto insurance plan, or PA ARP is a pool in which high-risk drivers can enroll to be selected by a non-standard insurer willing to bind a policy with the driver. Both non-standard and standard insurers participate in this pool, but getting a policy with a standard insurer through the PA ARP isn't the same as ...

  10. Pennsylvania High Risk Car Insurance

    PA Assigned High Risk Auto Insurance Consumer Resources Online. PA High Risk Car Insurance Quotes. PAARP-PAIP-CAIP-AIP Assigned Risk or High Risk auto residual insurance markets consists of licensed drivers unable to purchase auto insurance through the Voluntary Market due to a variety of factors, such as their driving history, accident history ...

  11. What Is Assigned Risk Pool For Auto Insurance?

    In New York's assigned risk plan you're limited to $250,000 in liability coverage for bodily injury to one person in a car accident and you can add collision and comprehensive coverage. But if ...

  12. Best Cheap Car Insurance Companies for High-Risk Drivers in Pennsylvania

    Geek Quick Take. In Pennsylvania, Erie's high-risk auto insurance costs approximately $1,529 annually. Its premium for high-risk drivers is roughly 22% more than for those with a clean driving record. More About Erie. Erie is the second cheapest insurer for high-risk drivers in Pennsylvania.

  13. How State-Assigned Car Insurance Works

    What is an assigned-risk car insurance pool? Drivers who are deemed too risky may be unable to buy car insurance on the private market. But they still need coverage by law if they own vehicles, so ...

  14. PA auto insurance plan-PAARP.

    PA auto insurance plan-PAARP. § 33.29 [Pennsylvania Automobile Insurance Plan (assigned risk)]. [ (a) An agent who submits an application to the assigned risk plan through the company for which he is a licensed agent is not required to be licensed as an insurance broker in order to handle the delivery of the policy of the company to which the ...

  15. PA High Risk Car Insurance Consumer Help and quotes

    The Assigned Risk or High Risk Automobile Insurance Plans often charges higher rates in your state, and is a last resort for licensed drivers that cannot obtain car insurance coverage elsewhere in the preferred or voluntary automobile insurance marketplace. We will check your rate with multiple PA high risk car insurance companies.

  16. Pennsylvania

    Compare rates for PA Nonstandard Auto Insurance or high risk insurance, get started with our easy quote request form below. Call (856) 863-5654 for help. Get expert help with PA car insurance quotes. Jr. Sr. I II III IV DDS MD PHD. Your e-mail address will be used to contact you about your policy request.

  17. Types of Cases

    Assigned risk plan policies. The Pennsylvania Assigned Risk Plan is authorized by Section 3 of the Act of February 12, 1984, P.L. 26, No. 11, 75 Pa.C.S. § 1741 to assure that automobile insurance would be available conveniently and expeditiously to all individuals who cannot obtain insurance through the voluntary market.

  18. Car Insurance for High-risk Drivers in Pennsylvania

    State Farm. $4,729. Geico. $2,746. Progressive. $4,775. *Rates are for a 16-year-old on their married parents' policy. Although teen drivers may experience high average rates, it might be easier ...

  19. PDF Automobile Insurance Guide

    injuries sustained in an auto accident keep you from working. Collision — This benefit pays to repair damage to your car as a result of an accident. Most banks or lenders require you to buy this coverage to receive a car loan. Under Pennsylvania law, the insurance company applies a $500 deductible unless you request a lower amount. Generally

  20. personal or commercial auto insurance plans

    Assigned Risk Auto; Pennsylvania - PA Nonstandard or High Risk Auto Insurance ... Delaware Nonstandard Auto Insurance Help; High Risk Auto Insurance Companies Offer Consumer Quotes; High Risk Commercial Truck Insurance and Commercial Insurance Resources; High Risk Truck Insurance - Business Auto - Fleet Insurance help ... North Carolina ...

  21. Pennsylvania Assigned Risk

    Personal assigned risk insurance - Personal Auto or Car insurance, HO-3 Coastal homes, coastal homes flood insurance, Mobile Homes, Recreational Vehicles (Boats, Jet Skis, ATVs), Vacant Properties, Inner City Dwellings, Personal Umbrella Policies and many more.; Pennsylvania's Compulsory Financial Responsibility Law requires every driver and owner of a motor vehicle to be financially ...

  22. Assigned Risk Auto Insurance Consumer Resources and Advice

    Consumer help with Assigned Risk Auto Insurance (657) 217-8484 . Easily locate, get quotes, compare and buy a policy now online rate quotes.

  23. Pennsylvania High Risk Car Insurance

    Personal assigned risk or high risk car insurance quotes (469) 546-0021. Personal assigned risk insurance - Personal Auto or Car insurance, HO-3 Coastal homes, coastal homes flood insurance, Mobile Homes , Recreational Vehicles (Boats, Jet Skis, ATVs), Vacant Properties, Inner City Dwellings, Personal Umbrella Policies and many more.