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No-Fault Auto Insurance. No-fault insurance refers to medical coverage which you are required by state law to carry on your automobile insurance.

Military Insurance Discounts. There were two large players in auto insurance for military or government personnel.

Senior Auto Insurance. (a.) Take a drivers safety course and (b.) go with auto insurance that gives seniors a discount.

Gap Insurance. Unless you put a large down payment on your new car, it will be worth less than what you owe on it.

Classic Car Insurance. Aka collector car insurance can save you a significant amount of money and increase coverage amounts.

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High Risk Automobile Insurance Plans
Below are few states that currently offer high risk, government sponsored plans. If your premium has gone up without explanation, read why car insurance premiums increase and factors that influence your auto insurance premium.

Contact the plans below if you have gotten several tickets in a short period of time. Premiums will be higher since you may be considered substandard risk, and there may be a limit to admission. Most plan members are affiliated with the Western Association Of Automobile Insurance Plans (WAAIP):

Alabama Automobile Insurance Plan (ALAIP)- http://www.aipso.com/AL/servicecenter.asp
3535 Grandview Parkway Suite 250
Birmingham, AL 35243
Phone: (205)967-2001
Fax: (205)967-0267
AL auto insurance
Alabama Auto Insurance Page
Alabama Insurance Auto Agents

Alaska Automobile Insurance Plan - http://www.aipso.com/AK/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
Alaska Auto Insurance Page
Alaska Insurance Auto Agents

Arizona Automobile Insurance Plan - http://www.aipso.com/AZ/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
AZ Auto Insurance Rates
Arizona Auto Insurance Page
Arizona Insurance Auto Agents

Arkansas Automobile Insurance Plan - http://www.aipso.com/AR/
302 Central Ave
Johnston, RI 02919
Phone: (800)413-5808
Fax: (401)528-1468
AR Auto Insurance Rates
Arkansas Auto Insurance Page
Arkansas Insurance Auto Agents

California Low Cost Automobile Insurance Program - http://www.aipso.com/LC/

595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)622-0954
Fax: (415)421-4013
CA Auto Insurance Rates
California Auto Insurance Page
California Insurance Auto Agents

Colorado Automobile Insurance Plan - http://www.aipso.com/CO/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)622-0954
Fax: (415)421-4013
CO Auto Insurance Rates
Colorado Auto Insurance Page
Colorado Insurance Auto Agents

Connecticut Automobile Insurance Assigned Risk Plan - http://www.aipso.com/CT/
302 Central Ave
Johnston, RI 02919
Phone: (401)946-2800
Fax: (401)528-1409
CT Auto Insurance Rates
Connecticut Auto Insurance Page
Connecticut Insurance Auto Agents

Delaware Automobile Insurance Plan - http://www.aipso.com/DE/
P.O. Box 4830
Glen Allen, VA 23058-4830
Phone: (804)217-9990
Fax: (804)217-9950
DE Auto Insurance Rates
Delaware Auto Insurance Page
Delaware Insurance Auto Agents

District of Columbia Automobile Insurance Plan - http://www.aipso.com/DC/
4501 Highwoods Parkway #230
Glen Allen , VA 23060
Phone: (202)722-1093
Fax: (804)217-9950
Washington DC Auto Insurance Page
Washington DC Insurance Auto Agents
WA DC Auto Insurance Rates

Georgia Automobile Insurance Plan - http://www.aipso.com/al/servicecenter.asp
3535 Grandview Parkway Suite 250
Birmingham, AL 35243
Phone: (205)967-2001
Fax: (205)967-0267
GA Auto Insurance Rates
Georgia Auto Insurance Page
Georgia Insurance Auto Agents

Idaho Automobile Insurance Plan - http://www.aipso.com/ID/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
ID Auto Insurance Rates
Idaho Auto Insurance Page
Idaho Insurance Auto Agents

Illinois Automobile Insurance Plan - http://www.aipso.com/IL/
20 North Wacker Drive Suite 3030
Chicago, IL 60606
Phone: (888)706-6100
Fax: (312)853-2569
IL Auto Insurance Rates
Illinois Auto Insurance Page
Illinois Insurance Auto Agents

Iowa Automobile Insurance Plan - http://www.aipso.com/IA/
20 North Wacker Drive Suite 3030
Chicago, IL 60606
Phone: (888)706-6100
Fax: (312)853-2569
IA Auto Insurance Rates
Iowa Auto Insurance Page
Iowa Insurance Auto Agents

Kentucky Automobile Insurance Plan - http://www.aipso.com/KY/
9200 Shelbyville Rd #605
Hurstbourne Park Building
Louisville, KY 40222
Phone: (502)327-8909
KY Auto Insurance Rates
Kentucky Auto Insurance Page
Kentucky Insurance Auto Agents

Louisiana Automobile Insurance Plan - http://www.aipso.com/LAManuals/
Department of Insurance
P.O. Box 94214
Baton Rouge, LA 70804-9214.
Phone: (800)259-5300
LA Auto Insurance Rates
Louisiana Auto Insurance Page
Louisiana Insurance Auto Agents

Maine Automobile Insurance Plan - http://www.aipso.com/ME/
P.O Box 6510
Providence, RI 02940-6510
Phone: (401)528-1488
Fax: (401)528-1409
ME Auto Insurance Rates
Maine Auto Insurance Page
Maine Insurance Auto Agents

Maryland Automobile Insurance Fund - http://www.emaif.com/
1750 Forest Drive
Annapolis, Maryland 21401-4294
Phone: 410-269-1680 / 301-261-1913
1-800-492-7120
MD Auto Insurance Rates
Maryland Auto Insurance Page
Maryland Insurance Auto Agents
Maryland Automobile Insurance Fund Page

Massachusetts - Commonwealth Automobile Reinsurers - http://www.commauto.com/
100 Summer Street
21st Floor
Boston, MA 02110-2106
Phone: 617-338-4000
Fax: 617-338-5422
TTY: 617-880-7248
Massachusetts Auto Insurance Page
Massachusetts Insurance Auto Agents

Michigan Automobile Insurance Placement Facility - http://www.aipso.com/MIManuals/
17177 N. Laurel Park Drive
Livonia, MI 48152-2690
Phone: (734)464-1100
Fax: (734)464-0009
MI Auto Insurance Rates
Michigan Auto Insurance Page
Michigan Insurance Auto Agents

Minnesota Automobile Insurance Plan - http://www.aipso.com/MN/
6900 Wedgewood Road Suite 470
Maple Grove, MN 55311-3552
Phone: (877)251-3200
Fax: (866)339-9100
MN Auto Insurance Rates
Minnesota Auto Insurance Page
Minnesota Insurance Auto Agents

Mississippi Automobile Insurance Plan - http://www.aipso.com/al/servicecenter.asp
3535 Grandview Parkway Suite 250
Birmingham, AL 35243
Phone: (205)967-2001
Fax: (205)967-0267
MS Auto Insurance Rates
Mississippi Auto Insurance Page
Mississippi Insurance Auto Agents

Missouri Joint Underwriting Association - http://www.aipso.com/MO/
20 North Wacker Drive Suite 3030
Chicago, IL 60606
Phone: (312)346-1991
Fax: (312)853-2569
MO Auto Insurance Rates
Missouri Auto Insurance Page
Missouri Insurance Auto Agents

Montana Automobile Insurance Plan - http://www.aipso.com/MT/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
MT Auto Insurance Rates
Montana Auto Insurance Page
Montana Insurance Auto Agents

Nebraska Automobile Insurance Plan - http://www.aipso.com/NE/
20 North Wacker Drive Suite 3030
Chicago, IL 60606
Phone: (888)706-6100
Fax: (312)853-2569
NE Auto Insurance Rates
Nebraska Auto Insurance Page
Nebraska Insurance Auto Agents

Nevada Automobile Insurance Plan - http://www.aipso.com/NV/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
NV Auto Insurance Rates
Nevada Auto Insurance Page
Nevada Insurance Auto Agents

New Hampshire Automobile Insurance Plan - http://www.aipso.com/NH/
302 Central Ave
Johnston, RI 02919
Phone: (401)528-1488
Fax: (401)528-1409
NH Auto Insurance Rates

New Hampshire Auto Insurance Page
New Hampshire Insurance Auto Agents

New Jersey Personal Automobile Insurance Plan - http://www.aipso.com/JP/
6000 Midlantic Drive Suite 200 North
Mt. Laurel, NJ 08054
Phone: (800)652-2471
Fax: (856)722-9382
NJ Auto Insurance Rates
New Jersey Auto Insurance Page
New Jersey Insurance Auto Agents

New Jersey Commercial Automobile Insurance Plan - http://www.aipso.com/NJ/
6000 Midlantic Drive Suite 200 North
Mt. Laurel, NJ 08054
Phone: (800)652-2471
Fax: (856)722-9382
NJ Auto Insurance Rates
New Jersey Auto Insurance Page
New Jersey Insurance Auto Agents

New Mexico Automobile Insurance Plan - http://www.aipso.com/NM/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
NM Auto Insurance Rates
New Mexico Auto Insurance Page
New Mexico Insurance Auto Agents

New York Automobile Insurance Plan (NYAIP) - http://www.aipso.com/NY/
125 Maiden Lane 4th Floor
New York, NY 10038
Phone: (212)943-5100
Fax: (212)943-0459
NY Auto Insurance Rates
New York Auto Insurance Page
New York Insurance Auto Agents

North Carolina Reinsurance Facility - http://www.aipso.com/NCManuals/
Post Office Box 176010
Raleigh, North Carolina 27619-6010
Telephone (919) 783-9790
Facsimile (919) 783-0355
NC Auto Insurance Rates
North Carolina Auto Insurance Page
North Carolina Insurance Auto Agents

North Dakota Automobile Insurance Plan - http://www.aipso.com/ND/
6900 Wedgewood Road Suite 470
Maple Grove, MN 55311-3552
Phone: (877)251-3200
Fax: (866)339-9100
ND Auto Insurance Rates
North Dakota Auto Insurance Page
North Dakota Insurance Auto Agents

Ohio Automobile Insurance Plan - http://www.assignedriskohio.com/
172 E. State Street, Suite 201
Columbus, Ohio 43215-4321
Phone: 614-221-2596
E-mail: oaip@ohioinsurance.org
OH Auto Insurance Rates
Ohio Auto Insurance Page
Ohio Insurance Auto Agents

Oklahoma Automobile Insurance Plan - http://www.aipso.com/OK/
PO Drawer 18504
Oklahoma City, Oklahoma 73154
Phone: (405)842-0844
OK Auto Insurance Rates
Oklahoma Auto Insurance Page
Oklahoma Insurance Auto Agents

Oregon Automobile Insurance Plan - http://www.aipso.com/OR/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
Oregon Auto Insurance Page
OR Auto Insurance Rates
Oregon Insurance Auto Agents

Pennsylvania Assigned Risk Plan (PA ARP) - http://www.aipso.com/PA/
302 Central Ave
Johnston, RI 02919
Phone: (401)946-2800
Fax: (401)528-1409
PA Auto Insurance Rates
Pennsylvania Auto Insurance Page
Pennsylvania Insurance Auto Agents

Rhode Island Automobile Insurance Plan (RIAIP) - http://www.aipso.com/RI/
302 Central Ave
Johnston, RI 02919
Phone: (401)946-2800
Fax: (401)528-1409
RI Auto Insurance Rates
Rhode Island Auto Insurance Page
Rhode Island Insurance Auto Agents

South Carolina Commercial Automobile Insurance Plan - http://www.aipso.com/SC/
3535 Grandview Parkway Suite 250
Birmingham, AL 35243
Phone: (205)967-2001
Fax: (205)967-0267
SC Auto Insurance Rates
South Carolina Auto Insurance Page
South Carolina Insurance Auto Agents

South Carolina Associated Auto Insurers Plan - http://www.aipso.com/SJ/
302 Central Avenue
Johnston, RI 02919
Phone: (866)560-4100
Fax: (401)528-1468
SC Auto Insurance Rates
South Carolina Auto Insurance Page
South Carolina Insurance Auto Agents

South Dakota Automobile Insurance Plan - http://www.aipso.com/SD/
6900 Wedgewood Road Suite 470
Maple Grove, MN 55311-3552
Phone: (877)251-3200
Fax: (866)339-9100
SD Auto Insurance Rates
South Dakota Auto Insurance Page
South Dakota Insurance Auto Agents

Tennessee Automobile Insurance Plan - http://www.aipso.com/al/servicecenter.asp
P.O. Box 530850
Birmingham, AL 35253-0850
Phone: (205)967-2001
Fax: (205)967-0267
TN Auto Insurance Rates
Tennessee Auto Insurance Page - http://www.state.tn.us/commerce/insurdiv.html
Tennessee Insurance Auto Agents

Texas Automobile Insurance Plan Association (TAIPA) - http://www.taipa.org/
PO Box 149144
Austin, TX 78714-9144.
Phone: (512)444-4441
TAIPA Customer Service
TX Auto Insurance Rates
Texas Auto Insurance Page
Texas Insurance Auto Agents

Utah Automobile Insurance Plan - http://www.aipso.com/UT/
595 Market Street Suite 1250 San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
UT Auto Insurance Rates
Utah Auto Insurance Page
Utah Insurance Auto Agents

Vermont Automobile Insurance Plan (VTAIP) - http://www.aipso.com/VT/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
VT Auto Insurance Rates
Vermont Auto Insurance Page
Vermont Insurance Auto Agents

Virginia Automobile Insurance Plan (VAIP) - http://www.aipso.com/VA/
P. O. Box 4830
Glen Allen, VA 23058-4830
Phone: (804)217-9990
Fax: (804)217-9950
VA Auto Insurance Rates
Virginia Auto Insurance Page
Virginia Insurance Auto Agents

Washington Automobile Insurance Plan - http://www.aipso.com/WA/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
WA Auto Insurance Rates
Washington Auto Insurance Page
Washington Insurance Auto Agents

West Virginia Automobile Insurance Plan (WVAIP) - http://www.aipso.com/WV/
4501 Highwoods Parkway #230
Glen Allen , VA 23060
Phone: (804)217-9990
Fax: (804)217-9950
WV Auto Insurance Rates
West Virginia Auto Insurance Page
West Virginia Insurance Auto Agents

Wisconsin Automobile Insurance Plan - http://www.aipso.com/WIManuals/
20700 Swenson Drive
Waukesha, WI 53186
262-796-4599
Fax: 262-796-4400
WI Auto Insurance Rates
Wyoming Auto Insurance Page
Wyoming Auto Agents

Wyoming Automobile Insurance Plan - http://www.aipso.com/WY/
595 Market Street Suite 1250
San Francisco, CA 94105
Phone: (800)227-4659
Fax: (415)421-4013
WY Auto Insurance Rates
Wyoming Auto Insurance Page
Wyoming Auto Agents

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