Having a hard time finding insurance? You may need Assigned Risk Insurance. Get help here when others have stopped trying for you.
Assigned Risk Insurance Services helps you find coverage even if it is in the surplus or excess markets. Several personal and commercial risk policies are available. From high risk auto insurance to homeowners insurance to complicated trucking operations coverage should be available.
Our personal lines customer and commercial or business customer service personnel (CSR’S) and licensed insurance agents are non standard, assigned risk and high risk programs specialists with defined and managed authorities. We have helped tens of thousands find coverage where other insurance company, brokers or agents may not have a market for a risk that is just too hard to insure.
We will work with specific assigned risk insurance carriers that may issue a policy themselves or grant underwriting authority to a program administrator, A.K.A. a recognized expert in a niche class of non standard business in order to offer policies for personal or business types of customers with consistent characteristics or needs.
Assigned Risk Insurance Policies & Coverage’s:
We may be able to help you locate competitive sources for your insurance personal insurance needs for hundreds of classes of business commercial lines and programs. Some of the most requested insurance products that consumers need help with include but are not limited to:
- Personal assigned risk insurance – Personal Auto or Car insurance, HO-3 Coastal homes, coastal homes flood insurance, Mobile Homes, Recreational Vehicles (Boats, Jet Skis, ATVs), Vacant Properties, Inner City Dwellings, Personal Umbrella Policies and many more.
- Commercial assigned risk insurance – General Contractors, Vacant Commercial/Industrial Properties, Habitational, Professional Liability, Liquor Liability, Bars/Restaurants, Commercial Property, Local Trucking, Busing, Intermediate Trucking, Long Haul Trucking, Taxis & Transportation, Roofing-Roofer, Excess Liability, Errors & Omissions, Medical Malpractice and many more.
Programs
- Transportation including Busing – charter & fleet, Public Livery, School Buses, Hazardous Material Haulers, and Local, Intermediate and long haul trucking
- Coastal high risk properties – commercial property, hospitals, social clubs, personal homes or condos
- Other program coverage’s are available and are too many to list them all here
An assigned risk policy can mean many things to those in the insurance industry. We define it as an insurance policy for a person or business that otherwise cannot find insurance coverage nor a competitive offer of insurance for a defined market risk.
If you need regular or non assigned risk type commercial insurance visit commercialinsurancenearme.com.
It all starts with some basic information needed to make sure that we have the right Assigned Risk Insurance agents helping you.
What is The Cost of Personal Assigned Risk Auto Insurance?
Curious what personal high risk auto rates are from different states around the country? To give you an idea, we’ve compiled rates for four categories of high risk drivers in each of the 50 states.
| State | Average | Speeding Violation | DUI + Accident | Young Driver |
| Alabama | $858 | $1,290 | $2,564 | $4,692 |
| Alaska | $1,248 | $1,368 | $2,598 | $3,144 |
| Arizona | $1,215 | $1,608 | $3,513 | $4,468 |
| Arkansas | $1,107 | $1,164 | $2,968 | $6,792 |
| California | $1,830 | $3,060 | $7,794 | $6,177 |
| Colorado | $1,512 | $1,908 | $3,060 | $4,792 |
| Connecticut | $1,842 | $2,140 | $6,704 | $7,964 |
| Delaware | $1,863 | $3,450 | $6,156 | $8,716 |
| Florida | $1,576 | $2,424 | $3,384 | $4,278 |
| Georgia | $1,662 | $2,136 | $3,246 | $4,732 |
| Hawaii | $864 | $1,092 | $3,186 | $900 |
| Idaho | $852 | $1,038 | $1,568 | $3,309 |
| Illinois | $1,320 | $2,784 | $2,004 | $6,279 |
| Indiana | $1,068 | $1,134 | $1,584 | $3,330 |
| Iowa | $795 | $1,446 | $1,608 | $4,248 |
| Kansas | $1,016 | $1,188 | $3,780 | $4,680 |
| Kentucky | $1,560 | $2,860 | $4,084 | $9,807 |
| Louisiana | $2,104 | $3,588 | $5,934 | $11,176 |
| Maine | $584 | $828 | $1,692 | $3,188 |
| Maryland | $1,440 | $2,193 | $3,561 | $9,252 |
| Massachusetts | $1,252 | $1,736 | $3,606 | $4,076 |
| Michigan | $2,766 | $4,092 | $6,032 | $11,271 |
| Minnesota | $975 | $1,568 | $1,851 | $3,366 |
| Mississippi | $1,284 | $1,326 | $2,100 | $3,978 |
| Missouri | $1,124 | $1,260 | $1,708 | $3,784 |
| Montana | $1,256 | $1,428 | $1,952 | $4,656 |
| Nebraska | $1,113 | $1,020 | $2,382 | $3,927 |
| Nevada | $1,848 | $2,252 | $3,380 | $7,208 |
| New Hampshire | $1,320 | $1,760 | $2,020 | $4,335 |
| New Jersey | $2,416 | $4,452 | $6,576 | $9,048 |
| New Mexico | $1,508 | $1,532 | $3,744 | $5,504 |
| New York | $1,812 | $2,544 | $5,532 | $6,216 |
| North Carolina | $822 | $1,260 | $2,703 | $1,953 |
| North Dakota | $1,396 | $1,856 | $3,360 | $5,244 |
| Ohio | $824 | $856 | $1,848 | $3,352 |
| Oklahoma | $1,908 | $2,120 | $3,876 | $7,464 |
| Oregon | $1,396 | $2,133 | $1,380 | $5,024 |
| Pennsylvania | $1,819 | $2,028 | $3,436 | $9,208 |
| Rhode Island | $2,051 | $2,190 | $3,492 | $8,000 |
| South Carolina | $768 | $816 | $1,704 | $2,752 |
| South Dakota | $1,002 | $1,122 | $1,842 | $4,320 |
| Tennessee | $1,244 | $1,304 | $3,988 | $4,092 |
| Texas | $1,230 | $1,242 | $2,298 | $4,068 |
| Utah | $1,041 | $1,056 | $2,607 | $4,827 |
| Vermont | $993 | $1,060 | $1,764 | $3,432 |
| Virginia | $1,074 | $1,161 | $2,460 | $3,471 |
| Washington | $1,328 | $916 | $2,120 | $6,000 |
| West Virginia | $1,420 | $1,568 | $2,952 | $6,088 |
| Wisconsin | $1,545 | $2,064 | $3,600 | $7,227 |
| Wyoming | $940 | $966 | $2,016 | $3,738 |