We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Western Association of Automobile Insurance Plans car insurance review

Last updated:  

Connects high-risk drivers with an auto insurance provider to get the coverage they need.

  • Get a quote if you’ve been turned down by multiple providers.
  • Pick something else if you have a clean driving record and want a good rate.
  • High-risk drivers will like the personalized assistance.


Roadside assistance

Depends on provider

New car protection

Accident forgiveness


States served Alaska, Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming
Roadside assistance Optional
Pay schedule Depends on provider
Claims methods Depends on provider
New car protection Depends on provider
Accident forgiveness Yes


  • Solution for high-risk drivers
  • Provides an SR-22
  • A nonprofit organization


  • Good drivers can find better rates
  • No online quote
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 Depends on provider
Rideshare coverage No
SR-22 coverage Yes
Temporary & short term coverage No

What is the Western Association of Automobile Insurance Plans (WAAIP)?

The Western Association of Automobile Insurance Plans are for drivers who struggle to get coverage with insurance providers. Rather than offering insurance directly, WAAIP is a nonprofit organization that connects people with providers. WAAIP caters to drivers who can’t get coverage from other providers due to a lapse in coverage, poor driving history, bad credit history or violations like a DUI or DWI.

WAAIP is a branch of Automobile Insurance Plan Service Office (AIPSO) that focuses on the western region of the US. Established in 1972, AIPSO has over 250 employees and six regional offices located throughout the country. It focuses on providing products and services to motorists left out of the auto insurance market because of underwriting restrictions.

Who can apply for WAAIP policies?

Anyone who has a driver’s license and doesn’t owe money on previous auto insurance policies is eligible to apply for insurance through WAAIP. All you have to do is fill out an application and the Western Association of Automobile Insurance Plans will reach out and connect you with a provider.

Which states does WAAIP cover?

WAAIP is available in any of these 11 states in the West. For coverage in other states, contact AIPSO.

  • Alaska
  • Arizona
  • Colorado
  • Idaho
  • Montana
  • Nevada
  • New Mexico
  • Oregon
  • Utah
  • Washington
  • Wyoming

What car insurance coverage does WAAIP offer?

Finding an auto insurance policy when you’re a high-risk driver isn’t impossible. WAAIP helps connect you with an auto insurance provider that likely offers the following types of coverage:

  • Bodily injury and property damage. Protects you and other drivers if you cause an accident.
  • Collision. Covers damage to your vehicle when you cause an accident.
  • Comprehensive. Covers damage to your vehicle caused by anything other than a collision like fire, wind, hail, flood, theft or vandalism.
  • Medical payments. Covers injuries to you or your passengers caused by an accident.
  • Personal injury protection (PIP). Covers medical expenses for you and your passengers.
  • Uninsured/underinsured motorist (UM/UIM). Covers medical expenses if you’re injured by a driver who doesn’t have enough insurance to pay for your damages.
  • SR-22. Also known as a certificate of fiscal responsibility, it can provide an SR-22 for drivers who are required to have it.

Pros and cons of WAAIP car insurance


  • Solution for high-risk drivers. WAAIP knows finding auto insurance can be difficult for many, so its committed to helping drivers seen as high-risk.
  • Provides an SR-22. If you need an SR-22, WAAIP can help you file one with your insurance company.
  • A nonprofit organization. Because WAAIP doesn’t work off from commissions for a profit, you can rest assured that they’re working with your needs in mind.


  • Good drivers can find better rates. If you’re someone with a clean driving record, you won’t find the best rates using WAAIP.
  • No online quote. If you use WAAIP, you can’t shop around online for the best quotes. You fill out an application and wait for WAAIP to connect you with a provider.

Compare alternatives to WAAIP

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
All states except AK, HI, LA, MI, RI
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

Compare up to 4 providers

What do customers say about WAAIP?

Because WAAIP is only the processing center that connect people with insurance companies, it’s difficult to find any complaints or reviews online. WAAIP isn’t registered with the Better Business Bureau.

The key to comparing online reviews will be to research the actual insurance provider. Once you’re matched with a provider, check out online reviews and talk with friends or family to find out what to expect from its customer support, claims and billing process.

How to apply for WAAIP car insurance

To get matched with a provider and get a free quote through the Western Association of Automobile Insurance Plans, you must live in one of the states it serves. Here’s how to get started.

  1. Visit a local auto insurance agent in your area that specializes in high-risk auto insurance.
  2. With the help of your local agent, go to the Western Association page on the AIPSO site.
  3. Click on your state to view plans available.
  4. Fill out the private passenger application form with the help of your local agent and mail in your application.
  5. Within a few weeks, WAAIP will reach out with either next steps for the application process or an auto insurance provider match.

What info do I need to apply?

To get a free quote, you’ll need your driver’s license, contact information and details on the vehicles you wish to insure. In some cases, you may also need to send in a copy of your driving record.

How to find a WAAIP agent near me

Visit the AIPSO website and click on Plan Sites in the top menu. Select your state to find contact information on your state’s processing center within the Western Association of Automobile Insurance Plans.

How to make an auto insurance claim with WAAIP

Depending on the auto insurance provider you’re matched with, you may be able to make a claim by phone, email or online. Exact hours vary based on which auto insurance provider you’re connected with. Since WAAIP is just a processing center, contact the insurance provider to file a claim.

How to contact WAAIP

For questions surrounding your state’s plan, you can visit the AIPSO site to find your state plan contact information.

  1. Go to the AIPSO website and click Contact in the top menu.
  2. Scroll down the page and inside the Plan questions box, click View the locations page.
  3. Once on the locations page, click on the state where you live, and it will drop down to show the mailing address, email, phone and fax information.

Bottom line

Finding good insurance coverage when you’re considered a high-risk driver can be hard, but it doesn’t have to be. The Western Association of Automobile Insurance Plans connect motorists with providers who can get them the quality insurance coverage they need. Multiple providers and in-person support make managing your policy simple.

If WAAIP doesn’t sound like it caters to you or you want to shop directly, you can compare providers with our guide to car insurance.

Frequently asked questions about WAAIP

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site