Can you be denied car insurance?

I used to be a pretty wild and reckless driver, and I don't have the best driving record because of it. I've long since settled down, though, and haven't owned (or driven) a car for a long time. I'm finally looking for one now, but could I be denied car insurance because of my past, even though I haven't done anything like that in years?

So the short answer is yes—auto insurance companies can deny coverage to drivers.
Insurance companies are wary of insuring high-risk drivers, so if they think covering you will result in them needing to pay a claim on your behalf, they can deny you coverage. Some of the factors that might result in them denying you insurance are:
  • having multiple tickets
  • accidents
  • serious violations like DUIs
  • a low credit score
The good news, though, is that maintaining good driving habits can show insurance companies that you’ve changed since your days of reckless driving.
Using tools like Jerry can also help you find an insurance company that will cover you by getting you free quotes from multiple different providers, so you can be sure that you’re choosing the best option available to you.
You’ll be able to get insurance at better rates in the future, and the past can stay in the past. Time heals all!
If you are denied coverage by a standard company such as Allstate or Progressive, you can shop with non-standard or high-risk insurers to find a policy. Your policy will definitely cost more, but at least you will be insured and able to drive.
The main thing is to try to correct your driving habits over time so that you can get insurance at a better rate in the future. Time heals all!
Jackie Whalen
Answered on Aug 10, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.

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