Insurance Company Dropped You?
Getting dropped by your insurer feels scary, but there are companies that specialize in drivers exactly like you. Here's how to get new SR-22 coverage fast.
Non-Standard Insurers Expect You
Companies like Progressive, Dairyland, and The General specifically exist to cover drivers that standard insurers won't. You're not unusual to them—you're their target customer.
Why Insurance Companies Drop Drivers
Understanding the reason helps you explain your situation to new insurers
DUI/DWI Conviction
Many standard insurers have underwriting guidelines that prohibit covering DUI offenders. This is the most common reason for being dropped after requiring SR-22.
Multiple Claims
Too many claims in a short period signals high risk to insurers, leading them to non-renew your policy.
Missed Payments
Non-payment leads to cancellation. This is separate from being "dropped" but has similar effects.
Fraud or Misrepresentation
If you didn't disclose your DUI or other material facts, insurers can cancel for misrepresentation.
Company Policy Change
Sometimes insurers exit the high-risk market entirely or tighten underwriting standards.
How to Get New SR-22 Coverage
Follow these steps to find a new insurer quickly
Don't Panic
Being dropped doesn't mean you can't get insurance. Non-standard insurers exist specifically for drivers like you.
Act Before Coverage Ends
CriticalYou typically have 10-30 days notice before cancellation. Get new coverage lined up before your current policy expires to avoid a lapse.
Contact Non-Standard Insurers
CriticalCall Progressive, Dairyland, The General, and other high-risk specialists. They expect calls from dropped drivers.
Compare Quotes
Even among non-standard insurers, rates vary. Get at least 3 quotes before deciding.
Ensure Seamless Transition
CriticalStart your new policy the day your old one ends to avoid any lapse in SR-22 coverage.
Insurers Who Accept Dropped Drivers
These companies specialize in high-risk coverage
Progressive
Same-day electronicLargest non-standard auto insurer. Accepts most DUI drivers.
Best for: Overall best option
Dairyland
Same-daySpecializes exclusively in high-risk drivers. Part of Sentry Insurance.
Best for: Competitive rates
The General
Same-dayKnown for accepting almost anyone, including recently dropped drivers.
Best for: Quick approval
Bristol West
Same-dayHigh-risk specialist, part of Farmers Insurance group.
Best for: Select states
Direct Auto
24-48 hoursRegional non-standard insurer with physical locations.
Best for: In-person service
State Assigned Risk Pool
VariesLast resort option if no private insurer will cover you.
Best for: When all else fails
Last Resort: State Assigned Risk Pool
If no private insurer will cover you, every state has an "assigned risk" or "residual market" program that guarantees you can get basic liability coverage.
How it works:
- • Contact your state insurance department
- • They assign you to an insurer
- • Coverage is typically more expensive
- • Usually minimum liability only
State programs:
- • Arizona: WAAIP
- • Texas: Texas Auto Insurance Plan
- • Georgia: Georgia Auto Insurance Plan
- • Check your state for specific program
What to Tell New Insurers
Be honest—non-standard insurers expect your situation
Do Tell Them
- Why you were dropped (DUI, claims, etc.)
- Your full driving history
- That you need SR-22 filing
- When your current coverage ends
Don't
- Hide your DUI or violations
- Claim to have no accidents if you do
- Misrepresent why you were dropped
- Apply without mentioning SR-22 need
Why honesty matters: Insurers check your MVR (motor vehicle record) and CLUE (claims history) reports. They'll find out anyway, and misrepresentation can void your policy retroactively.
Related Guides
Sources
Information on non-standard insurers and state assigned risk pools verified against industry publications and state insurance department resources.
Last updated: January 8, 2026
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