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WAAIP car insurance review Dec 2023

The Western Association of Automobile Insurance Plans connects high-risk drivers with an auto insurance company's rating: 3.5 / 5


  • 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.
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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
Accident forgiveness Yes
New car protection Depends on provider
Pay schedule Depends on provider
Claims methods Depends on provider
Rideshare coverage No
SR-22 support 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

Review by

Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.

Expert review

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 isn’t your only option, you’ll probably find a better rate at a standard insurance company, especially if you’re generally a safe driver. WAAIP offers plans designed for high risk drivers, so you won’t find all the bells and whistles you’d find at many other insurers.

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