Car Insurance for High-risk drivers

Numbers refreshed November 4, 2026

Official and insurer sources set out what applies to high-risk drivers: rules, discounts and programs.

Car insurance for high-risk drivers: what to know

Some insurers may turn down high-risk drivers, but the law still requires coverage, and specialists are available (Maryland). (Maryland Insurance Administration: Consumer Guide to Auto Insurance (PDF))
Maryland residents who are turned down by two or more private insurers may file with the Maryland Automobile Insurance Fund (MAIF). It requires 2 insurer declinations. (Maryland Insurance Administration: Consumer Guide to Auto Insurance (PDF))
Drivers who cannot get coverage through the voluntary market are covered by NYAIP. (AIPSO: New York Automobile Insurance Plan (NYAIP))
If you apply for NYAIP, you must certify that you tried to get insurance and failed in the 60 days before your application. (AIPSO: New York Automobile Insurance Plan (NYAIP))
The Massachusetts Auto Insurance Plan (MAIP) is there for drivers who can't find coverage on their own. (Your auto insurance policy and SDIP in Massachusetts (mass.gov))
Source: Maryland Insurance Administration: Consumer Guide to Auto Insurance (PDF): two or more at-fault accident claims filed by you within the past three years are grounds on which a Maryland insurer may nonrenew your policy: 2 at-fault claims.

This calculator prices insurance for your age, driving record and car in your state. No name or phone number is needed.

First written November 4, 2026