Automobile Insurance Plan Service Office car insurance review September 2019 |

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AIPSO car insurance review

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For high-risk drivers who are having trouble qualifying for conventional car insurance.

  • Get a quote if you have speeding tickets and points on your license .
  • Pick something else if you have a good driving record and want the best rates.
  • Best for drivers rebuilding their credit history.


Roadside assistance

Depends on provider

New car protection

Accident forgiveness


States served All 50 states
Roadside assistance Optional
Pay schedule Depends on provider
Claims methods Depends on provider
New car protection Depends on provider
Accident forgiveness Yes


  • You can drive with legal insurance.
  • You’ll be treated like any other customer.
  • You can work on rebuilding your credit or driving history


  • Higher insurance premiums.
  • Limited policy options.
Anti-theft device discount Depends on provider
Bundling discount Depends on provider
Defensive driving discount Depends on provider
Good student discount Depends on provider
Loyalty discount Depends on provider
Homeowner discount Depends on provider
Military discount Depends on provider
Safety device discount Depends on provider
Special employment discount Depends on provider
Usage-based discount Depends on provider
Other discounts No
Rideshare coverage Depends on provider
SR-22 coverage No
Temporary & short term coverage Depends on provider

What is AIPSO?

AIPSO is a nonprofit organization that helps drivers who’ve been denied conventional car insurance get assigned risk insurance. This is also sometimes called the “residual” or “shared market.” Most states that have minimum car insurance requirements provide a state automobile insurance plan option to drivers who are unable to get insurance on their own. Typically, all providers that offer insurance in that state are required to participate in this program.

Assigned risk insurance cases are evenly distributed among each insurance company based on the number of conventional policies they write each year. Once a high-risk driver is assigned to an insurance company with the help of AIPSO, that company insures them and assume the risks or profits that come along with that policy, just like with any other driver.

Case study: Mitch gets car insurance with the help of AIPSO

Mitch is a high-risk driver living in New Jersey who’s been denied car insurance from several companies due to his accident history. Because of this, he goes to AIPSO’s website, becomes a registered user and downloads the appropriate assigned risk forms needed for his state. AIPSO connects Mitch with a local insurance agency that’s required to offer him coverage. Mitch’s assigned company will provide him with an insurance policy and process any claims directly.

What car insurance coverage does AIPSO offer?

AIPSO itself doesn’t provide car insurance, but it can help you obtain car insurance from a company in your state, even if you’ve been denied coverage. Your coverage options and insurance premium will vary based on your risk factors and the state minimum requirements where you live.

Typical car insurance coverage available through AIPSO providers includes:

  • Bodily injury liability. If you’re found legally responsible for an accident, this covers the cost of medical bills and funeral costs associated with the accident. Most states require this coverage.
  • Property damage liability. If you’re legally responsible for an accident, this covers the cost of damages to vehicles and other property. Most states require this coverage.
  • Collision. If your car is damaged in an accident, collision coverage pays for the cost of repairs. While not usually required by the state, most banks will require collision coverage if you’re making payments on your vehicle.
  • Comprehensive. Coverage for anything other than collision damage, such as theft, fire or vandalism. Most states don’t require this coverage, but it may be required by your bank if you’re financing your vehicle.
  • Uninsured or underinsured motorist. Most states don’t require this coverage, but it may be available to you through assigned risk insurance. This covers the costs of personal injury or property damage if you’re in an accident caused by a driver with no or inadequate insurance.

Pros and cons


  • You can drive with legal insurance. Using your state’s car insurance program should be a last resort, but if you can’t get standard insurance, this option will keep you legally on the road.
  • You can work on rebuilding your credit or driving history. While you’re in the assigned risk pool, you can work on improving your credit score and driving history to lower your rates in the future.


  • Higher insurance premiums. If you have to take advantage of this program, you’ll probably face much higher premiums than a standard policy.
  • Limited options. You don’t get to choose which insurance company you’re assigned to work with.

Compare alternatives to AIPSO

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.
Connects high-risk drivers to providers in its network offering affordable policies

Compare up to 4 providers

How to apply for AIPSO high-risk insurance coverage

Before applying for your state’s car insurance program through AIPSO, try to get standard insurance from several different insurance companies. If you’re still denied, then you can:

  1. Go to AIPSO’s site and register as a user.
  2. Click the Plan Sites tab on the homepage and select your state from the dropdown menu.
  3. There, you’ll find all the information and forms necessary to apply for insurance in your state.

Apply online

  1. Visit the AIPSO site, enter your ZIP code and select Auto under the Get a Free Quote Now widget and click Get a Quote.
  2. Add driver information for each person you’d like to insure. Enter your personal information and license details, then click No if you are done adding drivers.
  3. Add your vehicle information or enter your VIN, then click No, unless you’re adding another vehicle.
  4. Review your quotes, then click Buy if you’re interested in moving forward with purchasing coverage.
  5. Enter your email, home address and employer’s address, then click Continue.
  6. Enter your driver’s license info and other driver details, then click Continue.
  7. Enter any other details and payment info when prompted, then continue to purchase coverage.

If you have questions, you can contact AIPSO’s office at 401-946-2310.

What info do I need to apply?

It’s free to become a registered user on AIPSO’s site. To open your account, you’ll need to enter your:

  • First and last name
  • Email address
  • Mailing address
  • Phone number
  • Your car’s VIN or the make, model and trim
  • Information for any drivers you’d like to add to your policy

How do I find a AIPSO agent near me?

AIPSO provides coverage to residents throughout Illinois and Indiana. Here’s how to locate your nearest branch:

  1. Visit the AIPSO site.
  2. Scroll down to the bottom of the page and click Contact Us.
  3. Locate the phone number for your area and call to speak with an agent from your nearest branch.

How do I find an assigned risk insurance agent near me?

Go to AIPSO’s site and click on Plan Sites, then select your state from the dropdown menu. You can view the appropriate contact information for an agent near you.

How to file an auto insurance claim with AIPSO

Unfortunately, you won’t be able to file claims online. Instead, call the customer service line to speak with a representative to get started.

How to make a claim

If you need to file a car insurance claim with the insurance provider that you’ve been assigned through AIPSO, simply follow that provider’s specific protocol like you would with a standard policy. Most insurance companies allow you to easily file a claim online or over the phone.

In either case, you’ll probably need to provide this information:

  • Your policy number.
  • The date, time and location of the accident or incident.
  • The names, addresses and telephone numbers of registered owners, injured people, occupants of other cars and witnesses.
  • Description and license numbers of the other cars involved.
  • Photos taken after the accident or incident.
  • Police report number, if applicable.

How to contact AIPSO

To get in touch with AIPSO, you can:

  • Call 401-946-2310 for general questions.
  • Call 888-424-0026 for web support.

Bottom line

AFor drivers who have been classified as high-risk by insurance companies and are unable to get a standard policy, there is hope. Working with AIPSO can help you get a state-assisted car insurance policy so you can get back on the road and work your way out of the assigned risk insurance pool.

Before you spring for your state’s insurance program, compare car insurance providers to see if you’re able to get voluntary insurance at a lower rate.

Frequently asked questions about AIPSO

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