Can’t get insurance on a car, what do I do?

If you can't get car insurance, it may be due to a poor driving record or insurance history. You can contact a private car insurance company if you can't get car insurance traditionally.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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Here's what you need to know...

  • When you cannot get car insurance, one of the first things to do is understand why you are unable to obtain coverage
  • Maintaining an active car insurance policy is a requirement in almost every state, so it’s important that you figure out what is keeping you from achieving this goal
  • One reason you may be unable to obtain coverage could be that your poor driving record or poor insurance history
  • There are also different types of vehicles, such as high-performance or exotic cars, that may not meet the qualifications for traditional insurance

When you are trying to obtain car insurance coverage, you may find yourself being turned away by traditional insurance carriers.

There are different reasons this can occur, but they normally relate to high-risk factors that the insurance carrier is unable to provide coverage for.

If you are running into difficulties when trying to obtain coverage, it’s important to understand your risk factors as well as your alternative options.

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What factors are there that keep you from qualifying for coverage?

When you try to purchase car insurance through an insurance carrier, you may learn that your risk exposure is higher than some carriers are willing to cover.

There are many states that have implemented compulsory insurance requirements, which means that you must have an active car insurance policy.

While you may be required to carry insurance coverage, this does not mean that insurance providers are required to insure you.

If you find yourself unable to obtain coverage through a traditional provider, this does not negate any compulsory insurance requirements; this means you may need to acquire coverage through a high-risk or private insurance provider.

While you attempt to acquire insurance through alternative carriers, you will also want to learn more about your risk factors.

A common factor that insurance carriers look at is your previous driving record and your previous insurance history.

If you have a poor driving record or a lackluster insurance history, many insurance carriers may see this as a red flag; this can lead to your policy quotes being denied.

Your driving record documents any violation, citation, or offense reported to your state and tied to your operation of a vehicle.

This means that your driving record will often show a pattern or history of incidents, allowing traditional carriers to get an idea of what type of driver you are.

Along the same lines, your insurance history documents your previous interactions with insurance providers.

This can include your history of claims, your different policies over the years, and even times you fail to pay your policy premiums.

If you have a limited history, a record with several claims or accidents, or no record at all, insurance carriers may be hesitant to provide you with coverage.

Additionally, if you own and operate a unique, high-performance, or otherwise exotic vehicle, you may find carriers are unwilling or unable to provide coverage.

This could be due to the chance of theft or vandalism the vehicle comes with, or this could be due to the unique risks such a unique vehicle faces.

High-performance cars specifically are linked to higher rates of accidents and even death.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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What happens if I can’t get car insurance? What options do I have?

If you are encountering resistance through traditional providers, there are still options available for you to obtain coverage.

Two of the more common choices are purchasing insurance coverage through a private insurance company or joining a state assigned risk pool.

Private insurance companies can provide high-risk drivers with insurance due to the nature of their business, they often have a diverse risk profile they are looking to provide coverage to.

While the premiums may not be as low as traditional providers will offer, these high-risk policies may still afford many of the same options and coverage limits that traditional policies provide.

On the other hand, a state assigned risk pool is a grouping of high-risk drivers that are assigned to different insurance providers that operate in your state.

This means the company is not given a choice whether they can insure you or not, but they are not required to provide you with all the same options and limits that safer drivers may receive.

These policies also come with higher premiums compared to a traditional insurance policy.

If you want to explore obtaining coverage through a private insurance company or through a state assigned risk pool, the Department of Insurance for your state can provide assistance.

They are often equipped to provide guidance about your options as well as contact information for high-risk insurance providers in your state.

What can you do to reduce your insurance risk?


Reducing your risk is one of the best steps you can take to make obtaining insurance coverage in the future much easier.

These changes will not help your short-term coverage needs, but remaining consistent and proving yourself as a responsible driver will pay off in the future.

There are different factors that insurance providers will look at when quoting your coverage, so it’s important to make changes to the ones you can influence.

Some factors, such as your age or gender, are not easily influenced or changed. This means that influencing other factors, like your driving record or your living situation, may be your best option.

If you live in an area with high levels of crime, for instance, you may want to see what options are available to you.

Additionally, installing security features may reassure your insurance carrier that you are doing all you can to reduce the risk of theft or vandalism.

The type of car you drive may also be something you can adjust, normally by using a more traditional or standard car for your daily commute or to run errands.

When you are young, you do not have as much experience behind the wheel, which means you are more likely to be involved in an accident.

As you continue to grow older, insurance carriers will take your experience into consideration more and more.

As you continue to show that you can be responsible and safe while operating a vehicle, insurance carriers will start to reward you for this by making your coverage more affordable and easier to obtain.


Purchasing an insurance policy through a traditional insurance carrier is usually the easiest way to obtain coverage, but you may find difficulty obtaining coverage depending on your risk factors.

There are private insurance carriers that offer high-risk insurance policies and each state runs a state assigned risk pool for drivers that are having difficulty obtaining coverage.

It’s important to remember that both of these options often come with higher insurance premiums compared to traditional policies.

If you are looking for coverage through a high-risk insurance option, ask the carrier what factors are contributing to your high level of risk.

Once you’re aware of what your risk factors are, you can take steps to improve how traditional insurance carriers view you.

Making changes to lower your risk will help you obtain car insurance through a traditional carrier in the future.

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