What is the difference between primary driver and assigned driver?

Insurance companies like to assign each car to one primary driver. That person, the primary driver, is the one whose driving record and risk profile are used to calculate its rates. ... Before you bought your third vehicle, your insurance company assigned you to the vehicle you normally drive and your husband to his.

Does it matter who is main driver on car insurance?

What is a assigned driver.

Assigned risk is a driver of a motor vehicle or class of such drivers who would be denied insurance coverage by insurance companies but are required to be covered under U.S. state law.

What is the difference between primary and secondary driver?

Primary and secondary driver insurance refers to the driver designation of two or more drivers of the same vehicle on the same policy. The driver who clocks the most miles is considered the primary driver and is listed first on the policy. Secondary drivers use the vehicle, too, but not as often.

Who should be the main driver on car insurance?

The most straightforward way to determine the main driver of a car is to ask yourself who drives it the most . That person should be identified as the main driver on any insurance policy. If, for example, you drive to and from work every day in the car, then you are considered the main driver.

Difference between Single and Dual Carriageway/Driving Lesson UK!

Can I insure a car but not be the main driver?

You can insure a vehicle you don't own , but you must tell the insurer that you're neither the registered keeper nor the owner. ... Some car insurance companies may only insure you as the main driver if you're also the registered keeper.

Can I own a car but not be the main driver?

Every car insurance policy has a "main driver". This has to be the person who does most of the driving. To get someone else insured on that car, you have to add them as a "named driver". ... But the main driver doesn't necessarily have to be the owner or the registered keeper .

Can you have 2 main drivers on the same car?

You and your partner can both take out separate policies for the same car . Car insurance policies are for both the vehicle and the driver, so it's perfectly fine, legal and common for two people to be insured on the same vehicle under separate policies. There are a few reasons why you might consider doing this.

What is primary vehicle?

Primary vehicle structure (PVS) is defined as the structure that carries loads from or to another structure or structures . Some examples of PVS in the RLV are the intertank, the payload bay, the engine-thrust mount, and wing/control surface-box structures.

Can my son drive my car if he doesn't live with me?

Your child likely won't be able to be on your auto policy any longer because he or she doesn't live in your household. ... If you're the parent who isn't listing the child on your car insurance, your child can still drive your car and be covered by your insurance. It works just as if you had a friend borrow your car.

What does it mean to be a primary driver?

As per the terms and conditions of standard automobile insurance quotes, a primary driver is a person who regularly drives the vehicle . It helps to know that every car should be assigned a primary driver, and their driving history has an impact on the base insurance rates.

Does primary use affect car insurance?

Whenever someone is driving your car with your permission, your car insurance will be primary . This means that if the permissive driver gets in an accident, your car insurance will cover the damage in much the same way as though you were driving it.

Can I be primary driver on 2 cars in Ontario?

Can one person be the primary driver on two cars? Yes . Most, if not all, insurance companies will allow you to name one primary driver for two or more cars. In fact, many companies will even provide you with a multi-car discount on your premiums when you register multiple vehicles.

Can a main driver drive another car?

You can get cover for driving another person's car by applying for short term insurance or adding your name to the car owner's policy. ... The main driver on a policy must be the person that drives the car most of the time – as a named driver, you should only be using the car occasionally . Be aware of 'fronting', though.

Does policy holder have to be main driver?

Does the policyholder have to be the main driver? Generally, insurance policies are set up with the policyholder also being the main driver of the car . It's worth noting that it's illegal for anyone other than the main driver to be placed as the policy holder, this is 'fronting'.

Does having a named driver lower insurance?

How much does car insurance cost with a named driver? Adding a named driver often makes the premiums cheaper because it's assumed you'll spend less time driving, since the car is shared. This reduces your probability of having an accident and making a claim, which is reflected in cheaper car insurance quotes.

What is a secondary vehicle?

Secondary controls enables you to operate vehicle functions such as windscreen wiper, indicator, and lighting etc. easliy and safely while a the same time keepings control of the steering wheel.

What is the model year of your primary vehicle?

The standardized format of the vehicle identification number (VIN) used in the United States and Canada includes the model year of the vehicle as the 10th digit . The actual date that the vehicle was produced is not part of the VIN, but it is required to be shown on the vehicle safety certification label.

Does a named driver earn no claims?

Named drivers can't usually build up a no claims discount , although they can accumulate their own if they're insured as the main driver on their own car. Some insurance providers may give a named driver a discount – provided they take out their own policy at a later date.

Do you lose your no claims if you are a named driver?

If you're a named driver as well as having your own insurance, and you make a claim as a named driver, you won't usually lose your no-claims bonus . Most of the time it affects the policyholder.

Is fronting illegal?

Car insurance fronting is illegal and is a type of car insurance fraud. ... Fronting can result in more expensive car insurance premiums in the future and some insurance providers may even refuse to cover you.

What if named driver has accident?

Your level of no claims discount won't be affected, even if you add a named driver with absolutely no car insurance history. But, if a named driver has an accident whilst driving your car, it will affect your no claims discount in exactly the same way as if you, yourself, had been behind the wheel.

Can a named driver be the main driver?

As a named driver you will be given the same level of cover as the vehicle's main driver . Named driver policies are only appropriate if the named driver is not the main driver (main user) or the owner of the vehicle. Named drivers should be careful to avoid 'fronting', a form of insurance fraud.

How often can a named driver drive?

Any named driver can use your vehicle occasionally . That means they shouldn't be the permanent driver, nor should they be regularly using the vehicle, for example for driving to work. If someone is named as an additional driver but in fact has main use of the car, this is called fronting, which is illegal.

Can I be on my parents car insurance if the car is in my name?

You cannot be on your parents' car insurance if the car is in your name and you are listed as the sole owner. Your parents can't insure your car unless they are listed as owners. So if you are thinking about buying your own car, it is a good idea to ask for quotes from several insurance companies first.

  • Meet Our Staff
  • Recent Newsletter
  • Who We Represent
  • Write a Review
  • Customer CSR24 Access

Get a Quote

  • Get a Certificate
  • Claims Reporting Telephone List
  • MA Crash Report
  • Home Repair Service Providers
  • Post-Claim Survey
  • Home Renewal Info Update
  • Auto Renewal Info Update

Personal Insurance Blog

  • Commercial Insurance Blog
  • New to Massachusetts Blog
  • Life Insurance Blog
  • Auto Research
  • Home Research
  • Life Research
  • Insurance Terms Glossary
  • MPIUA Fair Plan Customers
  • Registering a vehicle in MA
  • 781-659-2262

Site Search

Gordon Atlantic

Which Drivers Should Be Listed on Your Auto Policy?

Very often we get the questions, "Can I let Sally, my neighbor, drive my car if hers breaks down?" or "Do I have to list Johnny, my son, on my policy if he hardly ever drives the car?" The answer is yes, and no.

The policy language states that all licensed members of a household or any driver that may have regular access to a vehicle needs to be listed as an operator on the policy. The next question is to properly assign the driver as the Principal Operator of the vehicle that they are going to drive the most. Even if it is an inexperienced operator that is the Principal Operator of the third car and possibly cheaper for Mom or Dad to be listed as the Principal Operator, the inexperienced operator needs to be rated on that vehicle. The bottom line is that in the event of a loss, if the company does determine that the vehicle has been not rated properly, they could deny paying a claim. At that point, you have been paying premium for nothing. It becomes difficult to say that little Janie is not the Principal Operator of the third car when it has a High School parking sticker on it and she drives it to school every day.

Know who should be listed on your cars auto insurance policy with Andrew g gordon inc

If a driver in your household has their own policy they should still be listed on your policy and can then be "deferred" to their own policy. This will ensure that the operator's possible surcharges only be charged on their own policy, not on two policies. Drivers can also be "excluded" from any or all autos; this should only be done when the operator will not be covered for any optional insurance coverage. Also, payments under Parts 3 and 4 may also be limited to those amounts that the company is required by the state to sell.

Let's go back to Sally; she is your neighbor that needs to run to the grocery store in your car because hers is in the shop. Yes, she can drive your car and will be covered without being listed as an operator on your policy. However, your other neighbor, Jim, takes your car every Wednesday to Home Depot and every Saturday to the dump. He now has "regular access" to your vehicle. Jim should be listed as an operator on your policy. However, he can be "deferred" to his own if he does have his own policy. If he does not, then he needs to be listed and then rated on it as well.

If you have any questions whatsoever about if somebody should be listed, please feel free to give us a call and we would be more than happy to help you determine the best option. Keep in mind, none of us particularly like paying our insurance premiums but we do NOT want to pay premiums only to have the company deny paying a claim because a policy was not correctly rated... Where is the savings there?

Insurance Statistics

Biggert-waters and flood insurance rate changes in ma, subscribe blog, latest posts, most popular posts, subscribe here, recent posts, posts by tag.

  • insurance (173)
  • safety (50)
  • homeowners (43)
  • driving (28)
  • damage (25)
  • massachusetts (24)
  • accident (19)
  • prevention (18)
  • personal (17)
  • Automobile (16)
  • winter (16)
  • Auto Insurance (15)
  • coverage (15)
  • policy (15)
  • health (14)
  • Vehicle (13)
  • collision (12)
  • hurricane (11)
  • car safety (10)
  • liability (9)
  • Business (8)
  • discounts (8)
  • flood insurance (8)
  • license (8)
  • motorcycle (8)
  • property (8)
  • protection (8)
  • holiday (7)
  • home insurance (7)
  • premium (7)
  • Coastal (6)
  • commercial (6)
  • dwelling (6)
  • homeowner (6)
  • traffic (6)
  • Emergency (5)
  • Halloween (5)
  • auto safety (5)
  • blizzard (5)
  • changes (5)
  • college (5)
  • exercise (5)
  • flooding (5)
  • management (5)
  • preparation (5)
  • property damage (5)
  • watercraft (5)
  • accidents (4)
  • activities (4)
  • animals (4)
  • bicycle (4)
  • boating (4)
  • bodily injury (4)
  • christmas (4)
  • company (4)
  • comprehensive (4)
  • dangerous (4)
  • deductible (4)
  • drivers (4)
  • elderly drivers (4)
  • electricity (4)
  • flood insurance MA (4)
  • lightning (4)
  • road safety (4)
  • weather (4)
  • Water damage (3)
  • air conditioning (3)
  • auto claims (3)
  • auto policy (3)
  • car insurance (3)
  • children (3)
  • computer (3)
  • definition (3)
  • drinking (3)
  • drivers ed (3)
  • driving safety (3)
  • elderly driving risks (3)
  • electric (3)
  • environment (3)
  • financial services (3)
  • frozen pipes (3)
  • homeowners insurance (3)
  • how to get the most out of gordon insurance (3)
  • identity (3)
  • jewelry (3)
  • junior operator (3)
  • keeping us safe (3)
  • lawsuit (3)
  • lyme disease (3)
  • maintenance (3)
  • motorcycle safety (3)
  • national flood program (3)
  • natural (3)
  • new england (3)
  • older driver safety (3)
  • operator (3)
  • operators (3)
  • outdoor safety (3)
  • personal insurance (3)
  • procrastination (3)
  • pumpkin (3)
  • reducing risk (3)
  • robbery (3)
  • security (3)
  • senior safety (3)
  • student (3)
  • systems (3)
  • teen driver (3)
  • teenagers (3)
  • trampoline (3)
  • university (3)
  • vacation (3)
  • wellness (3)
  • Auto Policy Drivers (2)
  • Biggert-Waters (2)
  • Complicated (2)
  • Flood Insurance Changes (2)
  • Flood insurance on the South Shore (2)
  • HO3 vs DP3 (2)
  • National Highway Traffic Safety Administration (2)
  • Road rage (2)
  • account (2)
  • actual cash value (2)
  • automotive (2)
  • banking (2)
  • between (2)
  • break-in (2)
  • burglary (2)
  • car accident (2)
  • citizen (2)
  • cleaner (2)
  • collections (2)
  • community (2)
  • construction (2)
  • control (2)
  • coronavirus (2)
  • defensive (2)
  • difference (2)
  • disaster (2)
  • discount (2)
  • disease (2)
  • distracted (2)
  • drivers education (2)
  • elderly (2)
  • fine art (2)
  • fireworks (2)
  • flood map changes (2)
  • frozen pipes in winter (2)
  • fuel efficiency (2)
  • furnace (2)
  • grilling (2)
  • gutter cleaning (2)
  • heating (2)
  • hingham (2)
  • history (2)
  • home claims (2)
  • homemade (2)
  • homeowner policy (2)
  • homeowners claim (2)
  • hydroplaning (2)
  • independent agent (2)
  • information (2)
  • inspection (2)
  • insurance claim (2)
  • insurance math (2)
  • jack-o-lantern (2)
  • jackolantern (2)
  • keyboard tricks (2)
  • lawyers (2)
  • liability claims (2)
  • license plate (2)
  • license plates (2)
  • life insurance (2)
  • mac vs pc (2)
  • medications (2)
  • monster (2)
  • mosquito (2)
  • multi-family (2)
  • named perils (2)
  • national (2)
  • new driver (2)
  • norwell (2)
  • open perils (2)
  • outdoors (2)
  • parents (2)
  • payment (2)
  • personal excess liability coverage (2)
  • personal umbrella (2)
  • plymouth rock (2)
  • predictive modeling (2)
  • probability (2)
  • problems (2)
  • rebuild (2)
  • recovery (2)
  • registration (2)
  • registry (2)
  • remodeling (2)
  • renewal (2)
  • rental car (2)
  • replacement cost (2)
  • residence (2)
  • restriction (2)
  • safety tips (2)
  • seasonal (2)
  • seatbelt (2)
  • shopping (2)
  • shortcuts (2)
  • signals (2)
  • skating (2)
  • sledding (2)
  • snowboarding (2)
  • snowfall (2)
  • statistics (2)
  • subrogation (2)
  • summer safety (2)
  • sunscreen (2)
  • survival kit (2)
  • swimming (2)
  • teen drivers (2)
  • teen driving (2)
  • teenage driver (2)
  • temporary (2)
  • texting (2)
  • thanksgiving (2)
  • tips and tricks (2)
  • total loss (2)
  • trailer (2)
  • tree damage (2)
  • tropical (2)
  • umbrella (2)
  • valuables insurance (2)
  • vandalism (2)
  • website (2)
  • whiteboard (2)
  • whiteboard videos (2)
  • wildlife (2)
  • windstorm (2)
  • winter weather (2)
  • winterizing (2)
  • 10 percent (1)
  • 2013 plates (1)
  • 400th anniversary (1)
  • Absentee (1)
  • Account Credits (1)
  • Account Reviews (1)
  • Additional Insured (1)
  • After Market Parts (1)
  • American Cancer Society (1)
  • American Civil War (1)
  • Atmospheric Sciences (1)
  • Barbecue (1)
  • Biggert Waters Act (1)
  • Boating safety (1)
  • Buying a Car outside of MA (1)
  • Buying a New Car (1)
  • Buying a New car from another state (1)
  • California fires (1)
  • Charlotte North Carolina (1)
  • Christmas tree lights (1)
  • Claim denial (1)
  • Construction and Maintenance (1)
  • Cooking (1)
  • Credit score, credit in auto insurance (1)
  • Daylight Savings time (1)
  • Device Drivers (1)
  • Dryer Cleaning (1)
  • Earth Sciences (1)
  • Earthquake Coverage (1)
  • Earthquakes (1)
  • Educated (1)
  • Electronic Funds Transfer (1)
  • Electronic fund transfer (1)
  • Equipment Breakdown Coverage (1)
  • Equipment Failure (1)
  • Fair Plan (1)
  • False Garaging (1)
  • Federal holidays (1)
  • Financial (1)
  • Flood Insurance Changes MA (1)
  • Flood Policy (1)
  • Flood changes in MA (1)
  • Generation X (1)
  • Generator Safety Tips (1)
  • HO-3 vs DP-3 (1)
  • HO-3 vs HO-5 (1)
  • Halloween pumpkin safety (1)
  • Home Generator Safety (1)
  • Home and Auto Savings (1)
  • How can we reduce your insurance payments? (1)
  • How to properly use a generator (1)
  • IRS Fraud (1)
  • In Control (1)
  • Indianapolis 500 (1)
  • IndyCar Series (1)
  • Institute (1)
  • Insurance Information Institute (1)
  • Insuring a new car (1)
  • Insuring a new vehicle (1)
  • Labor Day (1)
  • Liability insurance (1)
  • Listed Operators (1)
  • Makes and Models (1)
  • Marshfield (1)
  • Massachusetts auto insurance pure (1)
  • MasterCard (1)
  • Mathematics (1)
  • Memorial Day (1)
  • Mercedes-Benz (1)
  • Mercedes-Benz M-Class (1)
  • Motorcycle Safety Foundation (1)
  • Motorsports (1)
  • NFIP changes (1)
  • Not-at-fault (1)
  • OEM Coverage (1)
  • OEM Parts (1)
  • Old age (1)
  • Out of State Purchase (1)
  • Parties (1)
  • Plumbing (1)
  • Premium Fraud (1)
  • Prevent a dryer fire (1)
  • Pros and Cons of Filing a home claim (1)
  • REAL ID (1)
  • REAL ID license (1)
  • Recidivism (1)
  • Registry of Motor Vehicles (1)
  • Rental Coverage (1)
  • Renters Policy (1)
  • Road traffic (1)
  • ServiceMaster (1)
  • Should I file a claim? (1)
  • Should I file a home claim? (1)
  • Solar Panels (1)
  • South American (1)
  • South Shore (1)
  • Sport utility (1)
  • St. Patrick's Day (1)
  • Substitute Transportation (1)
  • Tap (valve) (1)
  • Tax Fraud (1)
  • Teen Smart Driving (1)
  • Thunderstorm (1)
  • Tips for Driving in the Snow (1)
  • Tire Pressure (1)
  • Traffic Etiquette (1)
  • Traffic Rules (1)
  • Traffic Satefy (1)
  • Traffic collision (1)
  • Trauma (medicine) (1)
  • Travelers (1)
  • Travelers Insurance (1)
  • Trick or Treat (1)
  • United States (1)
  • West Nile Virus (1)
  • What is Equipment Breakdown Coverage? (1)
  • Who should be listed on your auto policy (1)
  • Why Do I need Renters Insurance (1)
  • Winter Driving (1)
  • Winter Saftey Tips (1)
  • World War I (1)
  • Write Your Own (1)
  • aaa discounts (1)
  • abandoned (1)
  • accident forgiveness (1)
  • accident prevention (1)
  • accident prodecures (1)
  • accident story (1)
  • account discounts (1)
  • adding teen to policy (1)
  • additional insurance (1)
  • adjuster (1)
  • adjustors (1)
  • advanced driver training (1)
  • adverse selection (1)
  • adviser (1)
  • aerobics (1)
  • affordability act (1)
  • air bag (1)
  • alcohol (1)
  • all hallows eve (1)
  • all inclusive coverage (1)
  • all other perils (1)
  • allergic (1)
  • allergies (1)
  • allergy (1)
  • alzheimer's alzherimers (1)
  • analysis (1)
  • andrew g gordon insurance (1)
  • angel memorial (1)
  • animal shelter (1)
  • animals on the road (1)
  • apartment (1)
  • apple picking (1)
  • ask an expert (1)
  • association (1)
  • at-fault (1)
  • authority (1)
  • auto inspection (1)
  • auto insurance teenager (1)
  • auto insurance terms (1)
  • auto rental (1)
  • automated registering and licensing system (1)
  • automatic deduction (1)
  • automotive lighting (1)
  • baby shower gifts (1)
  • babysitter (1)
  • babysitting (1)
  • back to school (1)
  • backyard (1)
  • bad weather (1)
  • barbeque (1)
  • bare walls policy (1)
  • batteries (1)
  • beach front (1)
  • beating procrastination (1)
  • benefits (1)
  • bicycle safety (1)
  • bicycles (1)
  • billing (1)
  • binding (1)
  • biting prevention (1)
  • blinker (1)
  • blood glucose (1)
  • blood pressure (1)
  • blood sugar (1)
  • boat insurance (1)
  • boat liability (1)
  • book review (1)
  • booster (1)
  • boston calling (1)
  • boston globe (1)
  • bowling (1)
  • bowling ball (1)
  • bowling shoes (1)
  • bracelet (1)
  • break-ins (1)
  • breakdown service (1)
  • breakfast (1)
  • breast cancer (1)
  • breast cancer risk (1)
  • buddy system (1)
  • bug spray (1)
  • bugsprays (1)
  • builder's risk policy (1)
  • building (1)
  • bundling (1)
  • bunker hill (1)
  • burglar (1)
  • caffeine (1)
  • camp safety (1)
  • campfire (1)
  • cancellation (1)
  • cancelled insurance (1)
  • cancer free world (1)
  • cancer risk (1)
  • candle safety (1)
  • candlepin (1)
  • canine good citizen program (1)
  • car accidents (1)
  • car crash (1)
  • car damage (1)
  • car fire (1)
  • car operator (1)
  • car options (1)
  • car purchase (1)
  • car registration (1)
  • car safety tips (1)
  • car theft (1)
  • car tire (1)
  • carbon monoxide detectors (1)
  • carbon monoxide tips (1)
  • cardiac (1)
  • carriers (1)
  • carving (1)
  • casualty insurance (1)
  • category (1)
  • cell phone (1)
  • cell phones (1)
  • certificate (1)
  • certified insurance counselors (1)
  • changing a flat tire (1)
  • changing a tire (1)
  • changing flat tire (1)
  • changing tire (1)
  • charity (1)
  • cheapest (1)
  • check twice (1)
  • checking (1)
  • chemistry (1)
  • child endangerment (1)
  • children safety (1)
  • citation (1)
  • claim hints (1)
  • claims history (1)
  • cleaning (1)
  • clients (1)
  • clothes (1)
  • cognitive impairment (1)
  • cohasset (1)
  • cold weather (1)
  • cold weather insulation (1)
  • coldplay (1)
  • collision damage waivers (1)
  • collision prevention (1)
  • collisions (1)
  • commandments (1)
  • commerce (1)
  • commercial claims (1)
  • comprehensive car insurance (1)
  • comprehensive coverage (1)
  • concepts (1)
  • concert (1)
  • concert safety (1)
  • concerts (1)
  • conditioning (1)
  • condo association (1)
  • condominium (1)
  • congress (1)
  • contact information (1)
  • content (1)
  • contents (1)
  • contract (1)
  • contributory negligence (1)
  • cookouts (1)
  • costumes (1)
  • coxswain (1)
  • crash damage (1)
  • crime prevention (1)
  • cross contamination (1)
  • crow point (1)
  • cruise control (1)
  • custom plates (1)
  • cutlery (1)
  • cutting (1)
  • cycling (1)
  • cyclone (1)
  • dead battery (1)
  • dealerships (1)
  • december (1)
  • decorate (1)
  • decorations (1)
  • deductibles (1)
  • deep fry (1)
  • deer in headlights (1)
  • deer tick (1)
  • defensive driving course (1)
  • defogger (1)
  • defroster (1)
  • dehydration (1)
  • delayed flights (1)
  • denied claim (1)
  • depression (1)
  • designated driver (1)
  • destruction (1)
  • deval patrick (1)
  • devastation (1)
  • diabetes (1)
  • diagram (1)
  • dictionary (1)
  • different (1)
  • different kind of storms (1)
  • disaster preparation (1)
  • disease prevention (1)
  • dishwasher (1)
  • distracted driving (1)
  • distraction (1)
  • dmv online (1)
  • dog breeds (1)
  • dog park (1)
  • dog training (1)
  • dogs and home insurance (1)
  • domestic (1)
  • domestic pig (1)
  • domesticated (1)
  • donations (1)
  • downloads (1)
  • drawn carriage (1)
  • driver education (1)
  • drivers license (1)
  • driving advice (1)
  • driving permit (1)
  • driving with insurance in mind (1)
  • drunk driving (1)
  • duckpin (1)
  • dwelling & fire (1)
  • dwelling limit (1)
  • earthquake (1)
  • eating safety (1)
  • eco-friendly (1)
  • ecology (1)
  • election (1)
  • electrician (1)
  • electronic (1)
  • electronic bill (1)
  • electronic mobile device (1)
  • electronic payment (1)
  • elevation (1)
  • emergency kit (1)
  • emergency necessities (1)
  • emergency preparation (1)
  • emergency response (1)
  • employee data theft (1)
  • employee embezzling theft (1)
  • employee theft (1)
  • employee theft insurance (1)
  • employee theft prevention (1)
  • encryption (1)
  • endorsement (1)
  • enviroment (1)
  • epi pen (1)
  • epinephrine (1)
  • equestrian (1)
  • equipment (1)
  • ethanol (1)
  • excluded (1)
  • excluded operator (1)
  • exclusion (1)
  • explanation (1)
  • exterior (1)
  • fairplan (1)
  • fall safety (1)
  • fallen tree (1)
  • family fun (1)
  • family protection (1)
  • fatalities (1)
  • federal (1)
  • fender bender (1)
  • finance (1)
  • financial adviser (1)
  • financial advisor (1)
  • financing (1)
  • fine arts (1)
  • fire hazard (1)
  • fire places (1)
  • fire prevention (1)
  • fire safety (1)
  • firearm insurance (1)
  • firefighter (1)
  • firepit (1)
  • fireplace safety (1)
  • first aid kit (1)
  • first day of spring (1)
  • first time homebuyer (1)
  • first year driver (1)
  • fitness (1)
  • flat tire (1)
  • flat tires (1)
  • flood elevation certificate (1)
  • flood zone changes (1)
  • flood zones (1)
  • food allergies (1)
  • food poisoning (1)
  • foreign license (1)
  • forest fire (1)
  • forgiveness (1)
  • formula (1)
  • fourth of july (1)
  • free ebooks (1)
  • fresh start (1)
  • friend activities (1)
  • friends (1)
  • front yard (1)
  • frozen water (1)
  • fun facts (1)
  • funny insurance story (1)
  • garden tools (1)
  • gardening (1)
  • gas prices (1)
  • gasoline (1)
  • genetics (1)
  • good living (1)
  • good samaritan (1)
  • great dane (1)
  • grimm-waters (1)
  • groundhogs day (1)
  • halloween safety (1)
  • harvester ants (1)
  • having insurance (1)
  • hazard zone (1)
  • health insurance (1)
  • healthy (1)
  • heart health (1)
  • heart rate (1)
  • heat exhaustion (1)
  • heat stroke (1)
  • helmets (1)
  • hitting (1)
  • hold back (1)
  • holiday safety (1)
  • holiday season (1)
  • home business (1)
  • home cleaning (1)
  • home generator (1)
  • home inspection (1)
  • home inventory (1)
  • home liability (1)
  • home loss (1)
  • home maintenance (1)
  • home office (1)
  • home owners insurance quotes (1)
  • home protection (1)
  • home safety (1)
  • home upkeep (1)
  • home warmth (1)
  • homeowner's policies (1)
  • homeowners claim holdback (1)
  • homeowners insurance MA (1)
  • homeowners insurance policy (1)
  • homeowners policy (1)
  • homeowners premium differences (1)
  • hometown (1)
  • horseback riding (1)
  • hot cars (1)
  • hot chocolate (1)
  • house insurance (1)
  • housing (1)
  • how insurance is calculated (1)
  • how much (1)
  • how to get insurance (1)
  • how to get license (1)
  • how to get permit (1)
  • how to get the most out of gordon (1)
  • how to get your license (1)
  • how to have insurance (1)
  • how to lower energy bill (1)
  • how to pass road test (1)
  • how to use car defroster (1)
  • hurricane season (1)
  • hydraulic (1)
  • id card (1)
  • identity theft (1)
  • immigration (1)
  • impaired (1)
  • in home childcare (1)
  • in home nanny (1)
  • increase (1)
  • independence (1)
  • independent (1)
  • indoor fun (1)
  • infestation (1)
  • inflation (1)
  • injuries (1)
  • installment fees (1)
  • insulations (1)
  • insurance cost (1)
  • insurance discounts (1)
  • insurance for the future (1)
  • insurance for valuables (1)
  • insurance goals (1)
  • insurance info (1)
  • insurance information (1)
  • insurance interpretation (1)
  • insurance models (1)
  • insurance options (1)
  • insurance poem (1)
  • insurance premiums (1)
  • insurance resolutions (1)
  • insurance savings (1)
  • insurance school (1)
  • insurance scores (1)
  • insurance substitution (1)
  • insurance time (1)
  • insurance webinar (1)
  • insured (1)
  • insured auto (1)
  • insuring teenagers (1)
  • international (1)
  • internet (1)
  • intoxication (1)
  • intuition (1)
  • investment (1)
  • investment property (1)
  • item insurance (1)
  • jack-o-lantern safety (1)
  • john hancock ins (1)
  • jumping (1)
  • jumpstart (1)
  • junior operators (1)
  • kitchen (1)
  • kitchen safety (1)
  • kittens (1)
  • ladders (1)
  • landscape (1)
  • language (1)
  • large insurance companies (1)
  • lawn care (1)
  • lessons (1)
  • license suspension (1)
  • licensed household members (1)
  • life insurance quote (1)
  • life loss (1)
  • light safety (1)
  • likelihood (1)
  • litigation (1)
  • living healthy (1)
  • local family fun (1)
  • local insurance (1)
  • look twice to save a life (1)
  • lost plates (1)
  • lottery (1)
  • low license plate (1)
  • lyme symptoms (1)
  • macbook pro (1)
  • major storm (1)
  • make a list (1)
  • make believe (1)
  • make your own policy (1)
  • map changes (1)
  • mass auto policy (1)
  • meanings (1)
  • medical expenses (1)
  • medical reports (1)
  • microburst (1)
  • microsoft (1)
  • minimizing risk (1)
  • minimum limits (1)
  • miracle molecule (1)
  • mistakes (1)
  • mobile phone (1)
  • monthly payment (1)
  • moped restrictions (1)
  • moped rules (1)
  • mortgage bill (1)
  • mosquitoes (1)
  • most dangerous roads (1)
  • moterized bicycle (1)
  • motor home (1)
  • motorcycle insurance (1)
  • motorcycling (1)
  • mountain (1)
  • multi-variant rating (1)
  • multifamily (1)
  • murphys law (1)
  • muscles (1)
  • musical instruments (1)
  • named insured (1)
  • national flood insurance program (1)
  • national flood insurance program changes (1)
  • national lampoons christmas vacation (1)
  • nature safety (1)
  • nature vs nurture (1)
  • necklace (1)
  • neighborhood (1)
  • neighborhood watch (1)
  • new laws (1)
  • new policy (1)
  • new to massachusetts (1)
  • new years (1)
  • no loss (1)
  • no loss letter (1)
  • no school (1)
  • no-kill (1)
  • non payment (1)
  • notebook (1)
  • nutrition (1)
  • obedience (1)
  • obidience school (1)
  • october (1)
  • offenses (1)
  • one horse open (1)
  • online banking (1)
  • online safety (1)
  • online savings (1)
  • open peril (1)
  • ordinance (1)
  • out of state (1)
  • outdoor activity (1)
  • outdoor protection (1)
  • outside (1)
  • oven safety (1)
  • owning insurance (1)
  • package (1)
  • paintings (1)
  • pancakes (1)
  • panic button (1)
  • parades (1)
  • parking (1)
  • parking lot (1)
  • parking ticket (1)
  • party gifts (1)
  • party safety (1)
  • passenger (1)
  • passwords (1)
  • pay online (1)
  • peanuts (1)
  • personal computer (1)
  • personal information (1)
  • personal property (1)
  • pesticide (1)
  • pet safety (1)
  • pick up (1)
  • pit bull (1)
  • planning (1)
  • platinum (1)
  • playground (1)
  • plimouth (1)
  • plowing (1)
  • plymouth (1)
  • plymouth county (1)
  • poison ivy (1)
  • poison oak (1)
  • poison sumac (1)
  • poisonous (1)
  • pokemon (1)
  • pokemon go (1)
  • policies (1)
  • policy change (1)
  • policy free insurance (1)
  • policyholder (1)
  • pothole (1)
  • pothole claim (1)
  • pothole collision claim (1)
  • premiums (1)
  • preparedness (1)
  • preparing for cold weather (1)
  • presidential (1)
  • pretend (1)
  • prevent (1)
  • preventing (1)
  • pricing (1)
  • princess (1)
  • principal operator (1)
  • privacy (1)
  • private flood insurance (1)
  • program (1)
  • progressive (1)
  • propane tanks (1)
  • properties (1)
  • property insurance (1)
  • prophecy (1)
  • protect (1)
  • protections (1)
  • psychology (1)
  • public adjusters (1)
  • puffback (1)
  • pumpkin carving (1)
  • pumpkin carving safety (1)
  • pumpkin safety (1)
  • puppies (1)
  • purchase (1)
  • pure MA auto (1)
  • pure Massachusetts auto (1)
  • pure Massachusetts auto insurance (1)
  • pure auto insurance (1)
  • pure auto insurance in MA (1)
  • pure insurance (1)
  • ratings (1)
  • reading (1)
  • recipes (1)
  • reckless (1)
  • redefining (1)
  • reimbursement (1)
  • reinstate (1)
  • reinstate insurance (1)
  • reinsurance (1)
  • relay for life (1)
  • renewable (1)
  • rental reimbursement (1)
  • replacement (1)
  • replacement less ACV (1)
  • resolutions (1)
  • responsibility code (1)
  • restarting furnace (1)
  • restoration (1)
  • restrictions (1)
  • rising rates (1)
  • risk map (1)
  • risk policy (1)
  • road courtesy (1)
  • road exam (1)
  • road test tips (1)
  • roadside assistance (1)
  • roofing (1)
  • root damage (1)
  • rules of the road (1)
  • safe driving (1)
  • savings (1)
  • scary movie (1)
  • schedule your valuables (1)
  • scituate (1)
  • scituate animal shelter (1)
  • scrapes (1)
  • scratches (1)
  • seaside (1)
  • seatbelts (1)
  • services (1)
  • sewer damage (1)
  • shamrock (1)
  • sharing the road (1)
  • shark attack (1)
  • sharpeners (1)
  • sharpening (1)
  • shellfish (1)
  • shelter (1)
  • shingles (1)
  • ship yard (1)
  • should i get AAA (1)
  • sign up (1)
  • signature (1)
  • silverware (1)
  • skeleton (1)
  • ski resort (1)
  • skidding (1)
  • small engine (1)
  • small insurance companies (1)
  • smoke detector (1)
  • smoke detectors (1)
  • snow protection (1)
  • snowboard (1)
  • snowboarder (1)
  • snowplow (1)
  • snowplowing (1)
  • social distancing (1)
  • solution (1)
  • special plates (1)
  • specialty plates (1)
  • speeding (1)
  • spiderman (1)
  • spoilage (1)
  • spring cleaning (1)
  • spring safety (1)
  • squirrel (1)
  • squirrels (1)
  • st patricks day (1)
  • stan lee (1)
  • standard property policy (1)
  • standards of fault (1)
  • state minimum damage (1)
  • staying (1)
  • steps to get insurance (1)
  • stop biting (1)
  • stories (1)
  • storm chart (1)
  • storm types (1)
  • strong wind (1)
  • structural (1)
  • structures (1)
  • sunblock (1)
  • superhero (1)
  • surcharges (1)
  • symptoms (1)
  • takata airbag recall (1)
  • talk to an insurance expert (1)
  • tax returns (1)
  • taxes 2013 (1)
  • techniques (1)
  • technology (1)
  • technology protection (1)
  • teen driver discounts (1)
  • teen insurance (1)
  • teenage (1)
  • teenage drivers (1)
  • teenage insurance (1)
  • teenager (1)
  • temperature (1)
  • temporary plates (1)
  • texting and driving (1)
  • things to consider (1)
  • things to know about insurance (1)
  • thirsty (1)
  • ticketable (1)
  • timely insurance (1)
  • toboggan (1)
  • tornado (1)
  • tortoise (1)
  • total loss settlements (1)
  • totaled (1)
  • trainer (1)
  • trampolines and insurance (1)
  • transactions (1)
  • transit plates (1)
  • transportation (1)
  • travel insurance worth it (1)
  • tree damage to home (1)
  • tree house (1)
  • tree nuts (1)
  • trick or treating (1)
  • trick or treating safety (1)
  • type 1 diabetes (1)
  • type 2 diabetes (1)
  • uncertainty (1)
  • under the influence (1)
  • understand (1)
  • uninsured (1)
  • uninsured auto (1)
  • upgrades (1)
  • uv rays (1)
  • vacation help (1)
  • valuable articles (1)
  • value of home (1)
  • vanity plates (1)
  • vehicle damage (1)
  • vehicle insurance (1)
  • veterans day (1)
  • veterinarian (1)
  • violation (1)
  • violations (1)
  • visibility (1)
  • vocabulary (1)
  • volunteer (1)
  • volunteer health (1)
  • walking (1)
  • warnings (1)
  • washing machine (1)
  • water insurance (1)
  • water loss (1)
  • water sports (1)
  • ways to prevent (1)
  • web security (1)
  • website safety (1)
  • wet road conditions (1)
  • what to do hurricanes (1)
  • what to do with frozen pipes (1)
  • whitepapers (1)
  • why blog (1)
  • wind damage (1)
  • window safety (1)
  • windows (1)
  • windscreen wiper (1)
  • winning (1)
  • winter safety (1)
  • winter sports (1)
  • winter storm (1)
  • winter tips (1)
  • winter weater (1)
  • wood burning furnace (1)
  • wood stove (1)
  • woodpecker (1)
  • woodpeckers (1)
  • working from home (1)
  • youtube (1)
  • zip line (1)

We are local insurance experts serving the South Shore for over 70 years. Click below to get a free quote for your personal or business insurance.

Gordon Atlantic_White

Get in touch

  • Monday-Friday 8:30-4:30
  • 120 Longwater Drive, Suite 102 Norwell, MA 02061
  • Fax: 781-795-7434
  • Online Services
  • Research Center
  • Legal Statements
  • Personal Insurance
  • Business Insurance
  • Financial Services
  • Credit cards
  • View all credit cards
  • Banking guide
  • Loans guide
  • Insurance guide
  • Personal finance
  • View all personal finance
  • Small business
  • View all small business
  • View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Denied Car Insurance? Hope Floats in the Assigned-Risk Pool

Beth Buczynski

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If your driving history is full of transgressions, finding a company that'll sell you a car insurance policy can be difficult.

A couple infractions could cause higher rates, but rack up too many serious convictions or tickets and insurers may prefer not to get involved with you at all. This creates big problems if you own a car and lack the insurance required in your state.

If your application for auto insurance is denied, entering the state assigned-risk pool may be the only way to get the coverage you need to drive legally.

Here’s a look at what car insurance assigned-risk pools are and how to know when it’s time to jump in.

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

What is an assigned-risk car insurance pool?

Drivers who are deemed too risky may be unable to buy car insurance on the private market. But they still need coverage by law if they own vehicles, so states assign them to insurance companies that operate in the state. This grouping is known as the “assigned-risk pool,” “residual market” or “shared market.” Sometimes it’s called the joint underwriting association.

What problems put drivers in the assigned-risk pool?

Each state has its own eligibility rules for the assigned-risk pool.

Typically, if you've tried to buy auto insurance in the past 60 days and were turned down, you can apply to your state’s assigned-risk pool. Some states may require that you be turned down more than once.

Reasons you may be denied car insurance include:

Major driving convictions (DUI or DWI, hit-and-run)

Multiple accidents, tickets or claims on your driving record

Having little or no driving experience

Insurance prices and coverage options for assigned-risk drivers

Expect your auto insurance premiums to be substantially higher in the assigned-risk pool. Your policy options also may be limited to the state minimum liability requirements. Some states may allow you to earn a discount on your assigned-risk pool insurance plan after a certain amount of time with no accidents or driving convictions.

How to find your state’s assigned-risk pool

Generally, any car insurance agent in your state can help you with an assigned-risk policy. You may be asked to prove, declare or certify that you have no other options for buying insurance, depending on the state.

» MORE: What does car insurance cover?

How to get out of the assigned-risk pool

States require insurers to renew assigned-risk pool policies for a set amount of time, generally three years. Assuming you pay your premiums and your driving record stays clean during your pool time, you'll likely qualify for a regular policy by then. If you don't, you can reapply to the assigned-risk pool.

You may be able to climb out of the pool faster if:

You find an insurance company that is willing to sell you a standard policy

Your assigned-risk pool insurer offers you a traditional policy

» MORE: Best car insurance companies for high-risk drivers

On a similar note...

Free car insurance comparison

Instantly compare top auto insurance companies.

what is an assigned driver

What happens if you add a driver to your car insurance?

Advertiser disclosure.

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.

Our content is backed by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How We Make Money

The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.

  • Share this article on Facebook Facebook
  • Share this article on Twitter Twitter
  • Share this article on LinkedIn Linkedin
  • Share this article via email Email

Agreement and discussion

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation of how we make money . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure .

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts , who ensure everything we publish is objective, accurate and trustworthy.

Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.

  • We guide you throughout your search and help you understand your coverage options.
  • We provide up-to-date, reliable market information to help you make confident decisions.
  • We reduce industry jargon so you get the clearest form of information possible.

All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.

Editorial integrity

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Key takeaways

  • Spouses and their children often save money by being insured on the same auto insurance policy.
  • Your insurance company may require you to add all household members to your policy, even if they don't drive your vehicle.
  • Non-household members may not be eligible to be added to your policy unless they regularly drive your vehicle, share vehicle ownership or meet other insurance company requirements.

Insuring all the drivers in a household on a single car insurance policy usually results in premium savings. One of the most common ways to do this is to add a spouse to your insurance. Based on data sourced from Quadrant Information Services, married couples with one vehicle pay an average annual rate of $2,385 for full coverage insurance. This is noticeably lower than the national average for a single driver, which is $2,543. These savings may sound appealing, but companies often have rules for who you can add to your insurance policy. Bankrate’s insurance editorial team explores common guidelines for adding a driver to your car insurance.

Compare rates and save on auto insurance today!

Rates keep going up in 2022. Get a new quote and save today.

Compare auto insurance rates

Save on auto insurance with quotes from trusted providers like:

Progressive

Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?

Allstate

Safe drivers choose Allstate®

Rates increased up to 12% this year.

Costs will continue to rise through 2022. Shop for a better rate before you renew your current policy.

Can multiple drivers share a car insurance policy?

Yes, multiple drivers can share a  car insurance policy under certain conditions. With most auto insurance companies, you are required to list all household members, including spouses and children, on your policy if they have a valid driver’s license and access to your vehicle.

If someone you are not related to lives in your household, you may have to add them as a driver depending on how often they drive your vehicle and your car insurance company’s guidelines. For example, a few companies require roommates to be listed, but others do not have that requirement if your roommate has their own insurance policy.

It’s important to note that you cannot add drivers for the sake of consolidating bills or earning discounts. To share a policy, you must have a need to do so, whether from regularly driving the vehicle, shared ownership of the vehicle or your carrier’s requirements. Additionally, while you may be able to add a driver to your policy, you might not be able to add that driver’s vehicle — it depends on how the person is related to you, whether they co-own your car and your company’s guidelines. For more information on multi-car insurance policies , you may want to contact your agent.

With multiple drivers on the same policy, premiums are based on  each driver’s risk factors . Insurance companies will pull everyone’s motor vehicle records and claims history to determine overall risk. In turn, insurance companies will calculate a total premium, and you will get one bill to pay.

Best car insurance companies for multiple drivers

The  best car insurance companies for multiple drivers may be different for everyone. Getting the best deal on car insurance is based on several rating factors, including driver-specific information such as age (in most states), driving experience, marital status and driving history. The carriers below may be some of the best options based on our holistic evaluation of  average car insurance rates for married drivers on one policy.

We also took into account additional metrics about each company, including coverage options, digital presence and things like customer satisfaction scores from J.D. Power and financial strength ratings from AM Best to assign each insurer a Bankrate Score out of a possible 5.0 points. These Scores are designed to give you a quick way to compare insurers as you start your search.

*Premiums displayed are average annual rates based on married policyholders with a single vehicle

With Amica, you could save up to 25 percent by insuring multiple vehicles and up to 30 percent for buying more than one insurance product from the carrier. Amica also rewards loyalty, offering a discount for staying insured with the company and for children of current policyholders as a legacy discount if they get their own policy with Amica before turning 30. There are several other opportunities for discounts with Amica, like being claims-free or a homeowner. Amica has a reputation for excellent customer service, as is evidenced by its first-place finish in J.D. Power’s  2023 Auto Claims Satisfaction Study . To discuss a quote with Amica, those interested can contact the company over the phone or by visiting  www.amica.com .

Learn more:  Amica insurance review

In addition to having some of the lowest average rates on our list for married drivers, you can add multiple drivers to your car insurance policy with Geico and save up to 25 percent by insuring more than one vehicle on your policy, according to the carrier. Good drivers may save even more, a potential discount for remaining accident-free for five years. Drivers looking to save may want to check out Geico’s entire list of potential discounts, which is pretty substantial compared to many other carriers. Geico does, however, score below average in the J.D. Power claims study, so it may not be the best choice for you if strong customer service is your top priority.

Learn more:  Geico insurance review

If you have a young driver in your household, State Farm offers several discounts that might make it more affordable to insure this age group. The  Steer Clear telematics program is designed to make drivers more attentive and aware, rewarding them for good driving habits. Students could also get a discount for maintaining a high GPA. You may save up to 20 percent with the multi-vehicle discount and up to $1,107 when combining home and auto insurance with State Farm. The company comes in at fourth place in the J.D. Power Customer claims study, indicating that it makes its customer relationships a high priority.

Learn more:  State Farm insurance review

Nationwide offers a multi-car discount, plus a multi-policy discount if you insure your home, renters, boat, life insurance or motorcycle with the company. Nationwide has competitive low full coverage rates, but drivers seeking minimum coverage may be able to find more affordable coverage with another carrier. Eligible drivers may also stack accident-free, good student and safe driver discounts. However, Nationwide’s below-average ranking with J.D, Power indicates that shoppers who value service may want to speak with existing policyholders about their experiences.

Learn more:  Nationwide insurance review

Liberty Mutual

While it doesn’t advertise the specific percentage off, Liberty Mutual offers discounts both for insuring multiple vehicles and for having more than one insurance policy type with the company. Safe drivers may be eligible for accident-free and violation-free discounts for maintaining a clean record. There are also discounts for insuring more than one car and your home or  renters insurance with the company. However, Liberty Mutual placed the lowest of any of our chosen companies on the J.D. Power rankings, so it may not be the best option for drivers who value customer service.

Learn more:  Liberty Mutual insurance review

How to find cheap car insurance for multiple drivers

One of the best ways to find cheap car insurance for two people or more is to shop around with different carriers. Each company has its own risk guidelines, discounts and rate structures that can change how much you pay for car insurance, especially when insuring multiple drivers. Each person’s driving record and claims history will be reviewed, so if one driver has a risky driving history, it could increase the cost of the entire policy or affect eligibility with a particular carrier.

While there is an increased likelihood of risk, a multiple-driver policy may also make you eligible for more savings opportunities. You may be able to keep the price low with  other discounts , like insuring more than one product, being affiliated with an organization, being a safe driver, having low annual mileage and driving a car with safety features. Additionally, if another household member has a clean record and an experienced driving history, it can beneficially impact the rate.

Frequently asked questions

How many drivers can you have on your insurance, does adding a named driver affect your insurance, how do i add another driver to my insurance, if i add another driver to my car insurance, will it go up, does adding a named driver who has a ticket affect my insurance rates, methodology.

Bankrate utilizes Quadrant Information Services to analyze 2024 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Status: Rates were evaluated based on the following marital/family status: single (base), married, 40 year married man and woman with a 16-year-old teen driver. Marital status is not a rating factor in HI and MI.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from  J.D. Power , AM Best , Demotech and the  NAIC , were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from  S&P and Moody’s and factored a company’s corporate sustainability efforts.

Related Articles

A solopreneur working from home opens a letter.

OnDeck vs. Credibly: Which small business lender is right for you?

car accident crash

What to do after a hit and run in Wyoming

Asian woman sits in the back seat of a car with her infant child in her arms. Her daughter sits next to her, smiling and wearing a floppy straw hat.

Best usage-based insurance

Speed limit sign and bridge in Cincinnati, Ohio

How a speeding ticket impacts your insurance in Ohio

Save on Car Insurance with Companies You Trust

COMPARE QUOTES IN JUST 6 MINUTES

Home » Articles

What Does It Mean If A Driver Is Labeled As Assigned Risk?

Automobile insurance companies, like other insurance firms, charge car insurance premiums to individuals based upon their risk profile. Depending on the state you live in, the risk may be based on your points or on the number of violations and accidents you have on your driving record, and on your driving profile (e.g., young driver). It is the financial goal of the insurance company to charge more in premiums than to pay out in claims, and sometimes there are drivers whose records or driving profiles are such that insuring them is likely to cause a loss for the insurance company. These individuals, called assigned risks, are typically rejected or dropped by most insurance companies, causing an issue as in the majority of cases they are required to carry insurance (either by law and/or by the requirements of their automobile loan provider).

Some states, such as New York and California, have assigned risk programs where the state insurance board distributes assigned risk drivers to each insurance company licensed to do business in the state. Typically, these policies are assigned based on a percentage of business conducted in the state. The insurance companies are required to insure these assigned risk drivers, often at much higher car insurance rates. While these car insurance premiums are higher, in many states, the premiums require approval of the state's insurance regulatory board.

To be considered an assigned risk and be assigned risk automobile insurance, you'll need to apply for regular insurance and be rejected, usually by at least three separate insurance companies. Then, you can send your information to the state insurance regulatory board requesting to be assigned to an insurance company. Insurance companies are required to provide assigned risk drivers with insurance for at least three years, and have the option to renew your policy or choose to drop you as a customer.

Being classified as an assigned risk does give you insurance coverage, but it also means that you'll pay higher car insurance rates , and often be required to only carry the minimum insurance required. While the state does often regulate insurance premiums in the assigned risk program, the rates will still be much higher than you'd pay with standard insurance. Assigned risk premiums don't vary by insurance company, but will vary by how much of a risk you are. It's in your best interest to pay your car insurance premiums on time and to maintain a clean driving record. After about three years of having a record of on time payments and no traffic violations, you can be considered for regular insurance, at a much lower price.

  • Car Insurance by State

netQuote Logo

  • Car Insurance Glossary
  • Car Insurance Companies
  • Car Insurance Questions
  • How To Save On Car Insurance
  • Compare Car Insurance Rates

CarInsuranceQuotes.com 7300 RM 2222 Building 2, Suite 100 Austin, TX 78730

877-828-9792

  • Privacy Policy
  • Terms of Use
  • Limit/Do Not Sell/Do Not Share My Personal Information
  • Interest-Based Advertising

Site Navigation

  • CarInsuranceQuotes
  • Vehicle Resources

CarInsuranceQuotes is committed to improving our services, applications and documents to make them more accessible to those with disabilities.

Copyright © 2024 All Rights Reserved.

 alt=

Assigned Risk Auto Insurance: A Guide for Drivers with Bad Credit

What is an assigned-risk car insurance pool, what problems put drivers in the assigned-risk pool, how to get an assigned risk plan, what are coverage options for assigned-risk drivers, frequently asked questions.

A few violations could result in increased rates, but if you accumulate too many major convictions or citations, your insurer might decide not to work with you at all. If you possess a car but don’t have auto insurance your state requires, this creates serious issues. It may be difficult to find a firm willing to give you car insurance coverage if your driving record is full of infractions

Entering the state-assigned-risk pool may be the only option to obtain the coverage you require to legally operate a vehicle if your auto insurance application is rejected

Here’s a look at assigned-risk pools for auto insurance and how to decide whether to join one.

Car owners must have a minimum amount of liability insurance in every state. However, the typical insurance market, often referred to as the voluntary market, has the right to reject coverage to drivers if it believes to have too many risk factors, such as a lack of expertise behind the wheel or poor driving history.

We know that not everyone can understand the complex terms in the auto insurance glossary . That is why we have tried to explain it in easy terms; States have developed assigned risk plans, which offer coverage through a pool of insurance firms, to address the insurance needs of drivers who have been declined by insurers. These schemes make it possible for automobile owners to obtain insurance, although assigned risk plans have far higher rates than voluntary market policies.

For the assigned-risk pool, each state has its own qualifying requirements.

Typically, you can apply to your state’s assigned risk pool if you’ve recently tried to get vehicle insurance but were rejected. You might need to be rejected more than once in some states.

You could be refused auto insurance for the following reasons:

  • If you have a hit-and-run on your record
  • You have no driving experience
  • If you DUIs or DWIs
  • The area where you live and drive has a record of too many thefts and vandalism
  • Your driving record contains a number of accidents, violations, or claims.

Here are some general steps to getting an assigned risk auto insurance plan, while the particular procedure may differ based on your location:

  • Contacting insurance companies: Make contact with local insurance providers and ask about their assigned risk policies. You might look for high-risk car insurance companies or unusual insurance plans.
  • Submit useful information: Be ready to submit pertinent information about your driving history, including any accidents , moving infractions, or license suspensions, when applying for an assigned risk auto insurance plan. Based on this data, insurance firms will determine your degree of risk
  • Fill out the application: Fill out the application for assigned risk auto insurance that the insurance provider provides. The application may ask for personal data, information about your car, and facts on your driving history.
  • Pay the Premium: Due to the higher risk involved, assigned-risk auto insurance policies sometimes have higher rates. The exact cost will vary depending on a number of variables, including your driving record, where you live, and the coverage choices you select.
  • Wait for Approval: The insurance provider will analyze your information and decide if you qualify for the allocated risk plan once you submit your application and payment of the premium.
  • Receive Insurance Coverage: Upon approval of your application, you will be sent a policy with the terms, conditions, and specifics of your assigned risk auto insurance.

Depending on the insurance provider and state laws, assigned-risk drivers may have access to a variety of coverage alternatives. The coverage possibilities provided by assigned-risk auto insurance plans are comparable to those of normal auto insurance policies, nevertheless. Here are a few popular types of insurance:

  • Liability insurance
  • Bodily Injury Coverage Insurance
  • Uninsured/Underinsured Motorist Coverage
  • Personal Injury Protection (PIP)
  • Comprehensive Coverage
  • Collision Coverage
  • Towing and Labor Coverage

What do assign risk pools offer drivers?

States utilize assigned-risk pools, that offer insurance coverage to almost any motorist at a significantly higher cost. Insurance providers consent to be a part of these pools and to insure any motorist that the state designates for them.

Who needs an assigned risk pool auto insurance?

A driver who is getting rejection by standard car insurance companies needs an assigned risk pool insurance.

rating star

RateForce is rated 4.7 / 5.0 stars based on 2248 Reviews

We generated 12,100,000+ Quotes (...counting), Helping People to Save Money and Time.

Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

Randy Luton RateForce CEO

Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.

Featured Posts

Best Cheap Car Insurance After A DUI Guide Image

Cheapest Car Insurance After a DUI: Discover Wallet-Friendly Options

cheap liability-only car insurance

Cheap Liability-Only Car Insurance for 2023: Complete Guide

average cost of car insurance in 2021 guide banner

Average Car Insurance Cost in 2023: Everything You Need To Know

Policygenius does not allow the submission of personal information by users located within the EU or the UK. If you believe this action is in error, or have any questions, please contact us at [email protected]

What’s Assigned Risk Auto Insurance?

Assigned risk auto insurance is state-sponsored coverage for high-risk drivers who can’t secure insurance coverage elsewhere. it usually comes with more expensive premiums..

Aly J. Yale

National Association of Real Estate Editors member

Bylines include Forbes, Bankrate, and CBS News

Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.

Read Editorial Guidelines

Featured in

Courtney Mikulski

3+ years producing insurance and personal finance content

Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Updated January 23, 2024 at 11:00 AM PST

what is an assigned driver

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Table of contents

  • What is assigned risk?
  • How it works
  • Who qualifies?
  • Standard insurance
  • Leaving assigned risk

Table of contents Compare quotes

Assigned risk auto insurance is an option for drivers who have trouble securing a standard car insurance policy, often due to a poor driving record, a low credit score, or because they live in an area at high risk of theft or vandalism. [1]

States establish assigned risk auto insurance programs and require private insurers to participate. Drivers get coverage by applying to their state’s risk pool, and the state assigns them an insurer. While insurers can’t deny eligible drivers coverage through this program, assigned risk car insurance policies aren’t cheap . [2]

Here’s what you need to know about assigned risk insurance, and why it’s important to compare rates from multiple companies before applying for assigned risk coverage.

Get Car Insurance Online

State-minimum policies start at $22 per month

What is an assigned risk auto insurance pool?

An assigned risk auto insurance pool is a state-supervised insurance market for high-risk drivers who can’t secure private-market car insurance. These are also called shared insurance markets, as they spread the risk of these higher-risk drivers among various insurance companies in the state.

Drivers can apply for their state’s assigned risk pool, and the state will assign them to an insurance company that must provide them coverage.

Pros and cons of assigned risk car insurance

Guaranteed coverage: Assigned risk insurance guarantees all drivers can get state-minimum coverage — regardless of their driving record, credit score, driving history, or other factors.

Helps drivers comply with law: Most state laws require car insurance, and drivers who don’t have coverage can face fines or criminal charges.

Provides legal protection: Beyond ensuring drivers comply with the law, liability coverage also helps protect you if another driver sues you for damages or injuries.

More expensive rates: Because assigned risk insurance is for higher-risk drivers, premiums are more expensive on these policies than on traditional car insurance. [1]

No choice in insurer: The state assigns drivers participating insurers within the pool, so drivers can’t comparison shop for insurance .

Limited coverage: Assigned risk pools typically only offer the minimum coverage the state requires. Drivers may not have access to additional coverages for more protection.

How assigned risk car insurance works

To get assigned risk car insurance, find your state’s assigned risk insurance pool. For example, in Ohio, it’s the Ohio Automobile Insurance Plan (OAIP). High-risk drivers in New York can use the New York Automobile Insurance Plan (NYAIP) for coverage.

You’ll then apply for your state’s pool using an official application. You can often do this online or by contacting a certified insurance broker or agent within your state.

Once the state approves you for the assigned risk pool, it’ll match you with an insurance company. The insurer assesses your driving record, credit score, location, vehicle, and other factors to determine your policy’s rate. Your coverage amounts and any driving convictions will affect your costs. For example, Texas assigned risk plans require a 60% additional charge if you have a driving under the influence (DUI) conviction. [3]

Who qualifies for assigned risk auto insurance?

Assigned risk car insurance eligibility requirements vary by state. In some states, you may need to certify that you’ve applied for and been denied private market car insurance in a certain period. In others, you just may need to be a resident of the state, have your car registered there, and hold a valid state driver’s license.

You also must be up to date on your recent car insurance premiums. For example, in North Dakota, you’re ineligible if you have any late premiums in the past year.

How to Get Car Insurance With a Suspended License

How to Get Car Insurance With a Suspended License

Factors that make a driver “high risk”.

Assigned risk insurance is for high-risk drivers, though this doesn’t mean only drivers with incidents on their driving records. Insurance companies may deny you traditional coverage for many reasons, including: [1]

Having no or a bad driving record: Inexperienced drivers, particularly teenagers , may find it difficult to get traditional car insurance coverage, as they’re at a higher risk of potential accidents. Plus, having speeding tickets , at-fault accidents, moving violations, DUI convictions, and more on your record can make you a high-risk driver for insurers.

Lapses in coverage and payment: If you’ve regularly let your insurance coverage lapse or forgotten to pay your premiums, this also makes you a higher risk to insure.

Bad credit scores: Depending on your state, insurance companies may be able to use your credit score to indicate your risk as a policyholder. Insurance companies believe drivers with poor credit are more likely to file a claim. [4]

Living in a risky location: Some areas have higher chances of theft, vandalism, or accidents. If you live in a high-risk area, you may have trouble securing traditional coverage.

Driving a unique or special car: Driving a custom, high-performance, unique, or classic vehicle could put you at higher risk for theft — and make you a higher risk for insurers.

Compare Top Auto Insurance Companies

Assigned risk vs. standard auto insurance.

While assigned risk insurance plans ensure drivers can secure the minimum required coverage for their state, they’re not the same as standard car insurance policies. Here’s how these policies differ.

How to leave the assigned risk pool

Leaving the high-risk pool depends on why you’re a high-risk driver in the first place. If you have a traffic violation or accident on your record , you may need to wait until the incident falls off your record to qualify for a traditional car insurance policy.

You can work on leaving the assigned risk pool by:

Cleaning up your driving record: In some states, you can take defensive driving courses to dismiss violations or citations. This could help you more easily secure insurance coverage.

Improving your credit score: A better credit score may make it easier to get coverage, too. Paying your bills and debts on time, disputing errors on your credit report, and reducing your debts can help boost your score.

Driving a safer car: If you’re buying a car, consider one with high safety ratings, low theft rates, and anti-theft features. The less likely you are to file a claim, the lower your risk to insurers.

You can also simply wait it out. As you establish a record of driving safely and pay your insurance premiums on time, you become a lower risk to insurers. Some state plans require insurers to provide coverage for an extended period while you work to improve your insurance and driving records. In New York, insurers must cover you for at least three years before they can choose not to renew your policy.

Car Insurance for High-Risk Drivers in New York (2024)

Car Insurance for High-Risk Drivers in New York (2024)

Assigned risk auto insurance faqs.

Assigned risk auto insurance can be confusing, but it’s necessary for high-risk drivers who can’t buy coverage elsewhere. If you need more information regarding assigned risk insurance, see the answers to frequently asked questions below.

What is an assigned risk car insurance plan?

An assigned risk car insurance plan is a state-supervised insurance plan. Statewide insurers must participate in the plan and provide coverage to any eligible driver the state assigns to them. These plans typically come with much higher rates than traditional car insurance policies

What does “high risk” mean in auto insurance?

“High risk” means a driver is more likely to file a claim. High-risk drivers are usually drivers with poor driving records, low credit scores, little driving experience, or a history of not paying previous car insurance premiums.

Who writes assigned risk car insurance policies?

Private insurance companies write assigned risk car insurance policies. The state requires companies to participate in the assigned risk market and assigns these insurers to eligible drivers.

Related articles

  • Tesla Battery Replacement Cost
  • What to Know About Illinois Emissions Testing
  • Can You Legally Drive with an Expired License?
  • What Are the Best Cars for Senior Drivers?
  • How Much Will Insurance Pay for My Totaled Car? (Full Guide)
  • What Is the Difference Between a Real ID and a Driver’s License?
  • How Many Cars Can You Have in Your Name?

Popular articles

  • Best Cheap Full-Coverage Car Insurance
  • OTTO Car Insurance Review: Consumer Reviews, Quotes
  • Can an Insurance Company Force You to Total Your Car?
  • Jerry Insurance Reviews: Consumer Reviews, Quotes
  • Rideshare Insurance in Texas
  • How to Participate in the teenSMART Driver Program
  • Cheapest Car Insurance for International Students
  • III . " What if I can't find auto coverage? ." Accessed January 5, 2024
  • III . " OOPS!! ." Accessed January 5, 2024
  • Texas Automobile Insurance Plan Association . " TAIPA Rules and Rating Manual ." Accessed January 5, 2024
  • National Association of Insurance Commissioners . " Use of Insurance Credit Scores in Underwriting ." Accessed January 5, 2024

Aly J. Yale

Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.

Compare Car Insurance Quotes Instantly

Latest articles.

Allstate Lifts California Auto Policy Restrictions Following 30% Rate Hike

Allstate Lifts California Auto Policy Restrictions Following 30% Rate Hike

Allstate has stopped requiring a 50% down payment for new car insurance policies in California as of Feb. 7, following a settlement with state insurance regulators and a consumer advocacy group that greenlighted a 30% rate increase for the insurer.

Allstate vs. USAA: Which Is the Best? (2024)

Allstate vs. USAA: Which Is the Best? (2024)

Learn whether USAA or Allstate is the best car insurance company for your auto coverage needs.

10 States With the Most Speeding Tickets (2024)

10 States With the Most Speeding Tickets (2024)

North Dakota, Wisconsin, and Ohio drivers are racking up more speeding tickets than average. Is your state among the 10 places with the most violations?

Does Car Insurance Cover Natural Disasters?

Does Car Insurance Cover Natural Disasters?

Natural disasters can damage vehicles, but does your car insurance cover it? Discover comprehensive coverage limits and potential out-of-pocket costs.

Nationwide vs. Travelers: Which Is the Best? (2024)

Nationwide vs. Travelers: Which Is the Best? (2024)

Compare Nationwide vs. Travelers to see which one is the better insurer in terms of coverage, discounts, cost, and more.

What Is FR-44 Insurance, and Who Needs It? (2024)

What Is FR-44 Insurance, and Who Needs It? (2024)

An FR-44 is a form Virginia and Florida drivers with DUIs need to file with their state before they can get their licenses back. Learn about FR-44 insurance.

  • Search Search Please fill out this field.
  • Government & Policy

Assigned Risk: What It Is, How It Works

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.

what is an assigned driver

What Is Assigned Risk?

Assigned risk is when an insurance company is required, by state insurance law, to provide coverage for risk that may not find coverage in the general insurance marketplace. In order to compensate insurers for the potential losses associated with such mandated coverage, insurers will often pool funds and share the assigned risk.

Common examples include mandating that all drivers obtain car insurance or requiring businesses to purchase workers' compensation insurance.

Key Takeaways

  • Assigned risk is when the law mandates that an insurance company offer certain coverages.
  • In such cases, regulators will require insurance companies to pool together and accept the assigned risk, even if the insurers individually don’t want to provide a commercial policy.
  • Assigned risk allows the state to protect drivers who are able to purchase commercial policies and who may be involved in an accident with a risky driver.

Understanding Assigned Risk

In most cases, insurance companies choose who they underwrite insurance policies for, and this choice to insure is based on the risk profile of the individual or business applying for coverage. These considerations include the likelihood that a claim that results in a loss for the insurance company. The insurer will thus price the cost of the policy it underwrites according to the potential severity of any losses. If a potential insured is deemed too risky, the insurer may not underwrite a new policy.

State insurance regulators recognize that insurers only want to underwrite policies that will be profitable, but also recognize that it is in the interest of the government that coverage is extended to groups that need protection but may not be able to obtain it in the general insurance market. To do this the regulator will require insurance companies that provide a particular line of insurance, such as workers’ compensation or automotive insurance, to participate in a state-sponsored plan that provides coverage.

Example: Motorist Coverage

For example, drivers are required to carry insurance with them in order to legally operate an automobile. This insurance is designed to cover claims made against the driver. In most cases, the driver’s record is in good shape, and insurers are likely to provide coverage.

Some drivers, however, have poor driving records and may not be able to obtain coverage because they present too much of a risk. Insurance regulators will require insurance companies to pool together and accept the assigned risk, even if the insurers don’t want to provide a commercial policy . This allows the state to protect drivers who are able to purchase commercial policies and who may be involved in an accident with a risky driver.

"In some cases, you can apply to an automobile insurance plan or assigned risk plan by directly contacting your state's Department of Insurance," according to the website DMV.org, a private, non-governmental website:

Some states require that you apply to several car insurance companies before you apply for the state's car insurance plan. If each provider has denied you car insurance coverage, you'll be accepted into the plan. Typically, your signature on the application is enough to acknowledge that you have fulfilled this requirement.

what is an assigned driver

  • Terms of Service
  • Editorial Policy
  • Privacy Policy
  • Your Privacy Choices

What you should know about the Iowa bill that legally defines 'man,' 'woman' and 'sex'

what is an assigned driver

Gov. Kim Reynolds' new attempt to enforce conservative values in Iowa, introducing a bill that would define the words “sex,” “man” and “woman” in state law, has raised the hackles of civil rights and LGBTQ groups.

It sounds simple, but the bill would have wide-ranging implications, including requiring changes to the way Iowa collects public health data, issues birth certificates and driver’s licenses, and offers anti-discrimination protections.   

Here's what we know:

What would HSB 649 do?

House Study Bill 649 , creates a new section of the Iowa Code defining a person’s gender as their sex assigned at birth.  

The bill defines a “female” as a person whose biological reproductive system is developed to produce ova and a “male” as a person whose biological reproductive system is developed to fertilize the ova of a female. 

The bill says if a person is issued a new birth certificate, driver’s license or non-operator’s ID card following a change in the applicant's sex designation, the new document will list the person’s sex at birth and their sex following treatment. 

It also says that when the state, cities or school districts collect data — for public health reasons, crime statistics, or to comply with anti-discrimination laws — they will identify people as only “male” or “female.”  

More: Iowa Gov. Kim Reynolds' bill defining a 'man' and a 'woman' explained in 75 seconds

What does HSB 649 say about discrimination and equality?

Iowa’s bill says the term “equal” does not mean “same” or “identical,” and it says that “separate accommodations are not inherently unequal.”  

The legislation also says that any state law, policy or program that prohibits discrimination on the basis of sex should be understood “to forbid unfair treatment of females or males in relation to similarly situated members of the opposite sex.” 

It says that that the government has “objectives of protecting the health, safety and privacy” of Iowans in situations that may necessitate separate accommodations for men and women. Those contexts might include detention facilities, domestic violence shelters, rape crisis centers, locker rooms, restrooms and more.  

Becky Tayler, executive director for Iowa Safe Schools, said the group believes the language is unconstitutional. 

“Our organization would strongly suggest that the governor retake elementary civics class — ‘separate but equal’ is inherently unconstitutional,” she said. “Our organization will fight tirelessly to ensure our students are afforded equal treatment under the law.“ 

Pete McRoberts, policy director for the ACLU of Iowa, said the bill's language on public facilities and equality should make everyone "do a double take," referencing historical segregation of Black Americans and other marginalized populations.

"To see it in print is a shocker for me," he said.

What does HSB 649 say about intersex people?

Intersex people, who are born with sex characteristics that do not fall under male or female, are not explicitly mentioned in the legislation.  

The legislation does say that a person “born with a medically verifiable diagnosis of disorder or difference of sex development shall be provided the legal protections and accommodations afforded under the federal Americans with Disabilities Act.”

Why has Kim Reynolds proposed HSB 649?

Reynolds has not spoken about the bill publicly, but she provided a statement to the Des Moines Register saying, "Women and men are not identical; they possess unique biological differences. That’s not controversial, it’s common sense."

In the statement, she said she wants to protect "women's spaces and rights."

“Just like we did with girls' sports, this bill protects women’s spaces and rights afforded to us by Iowa law and the constitution," she said. "It’s unfortunate that defining a woman in code has become necessary to protect spaces where women’s health, safety, and privacy are being threatened like domestic violence shelters and rape crisis centers. The bill allows the law to recognize biological differences while forbidding unfair discrimination.” 

Why do LGBTQ rights activists like One Iowa, ACLU oppose HSB 649?

"We refer to it as the LGBTQ erasure act," said Keenan Crow, director of policy and advocacy for One Iowa.  

In a statement, Iowa Safe Schools said the bill could be interpreted “as segregating transgender Iowans in facilities owned, operated, or funded by state government.”

“This bill is an affront to everything we’re about as Iowans,” Tayler, of Iowa Safe Schools, said in the statement. “Gov. Reynolds has made it crystal clear that transgender Iowans are not welcome in their own state.  

Reynolds' proposal could require transgender Iowans to have unique birth certificates and driver's licenses — which advocates said would mean disclosing personal medical information while purchasing alcohol or other unrelated activities that require a form of ID. 

McRoberts, of the ACLU, called the language an "astonishing violation" of privacy.

"Can you imagine if Gov. Reynolds had wanted you to put your COVID vaccination status on your license? Why would this medical information be any different?" McRoberts said.

"We're not talking slippery slope here," he added. "The slope is in the rearview mirror. The damage is done."

The legislation's definition of "mother" ("a parent who is female") and "father" ("a parent who is male") could also complicate circumstances for children with same-sex parents, Crow said. 

Do other states have similar laws?

Similar legislation has been passed in several states, including Montana, Kansas and Tennessee.

Montana’s law defining “sex” in state code has been  challenged in court by the ACLU , with plaintiffs arguing that it denies them legal protections and recognition. 

What have Iowa's GOP legislative leaders said about HSB 649?

On a Friday taping of Iowa Press, Senate Majority Leader Jack Whitver said Republican legislators were just starting to take a look at the proposal.

"But it's something that I know a lot of our people would be interested in," he said. "But it's too early right now to predict on what will happen with that."

He also spoke about the Legislature's broader focus on transgender Iowans.

"Well, in some regards the bills address issues where the rights of the transgendered are conflicting with the rights of non-transgendered athletes or athletes," he said. "For example, you have girls that are playing girls sports and all of a sudden there is a transgendered girl playing those sports. That is a conflict of rights. So that's kind of what you're dealing with, with this situation. So, we'll see where it goes. But definitely it will be something our people will be interested in."

Brianne Pfannenstiel is the chief politics reporter for the Register. Reach her at [email protected] or 515-284-8244. Follow her on Twitter at @brianneDMR.

You are viewing this page in an unauthorized frame window.

This is a potential security issue, you are being redirected to https://nvd.nist.gov

You have JavaScript disabled. This site requires JavaScript to be enabled for complete site functionality.

Official websites use .gov A .gov website belongs to an official government organization in the United States.

Information Technology Laboratory

National vulnerability database.

  • Vulnerabilities

NIST is currently working to establish a consortium to address challenges in the NVD program and develop improved tools and methods. You will temporarily see delays in analysis efforts during this transition. We apologize for the inconvenience and ask for your patience as we work to improve the NVD program.

Weakness Enumeration

Known affected software configurations switch to cpe 2.2, cpes loading, please wait..

Denotes Vulnerable Software Are we missing a CPE here? Please let us know .

Change History

Initial analysis by nist 2/15/2024 10:23:49 am, new cve received by nist 2/08/2024 8:15:08 am.

Rating Action Commentary

Fitch Withdraws Short-Term Ratings (xgs) of Boubyan Sukuk Limited's Sukuk

Mon 19 Feb, 2024 - 8:54 AM ET

Fitch Ratings - Dubai - 19 Feb 2024: Fitch Ratings has withdrawn Boubyan Sukuk Limited's (BSL) 'F2(xgs)' Short-Term ratings (xgs) assigned to its long-term sukuk, due to ratings previously published in error.

BSL's USD750 million and USD500 million long-term senior unsecured sukuk maturing on 18 February 2025 and on 29 March 2027, respectively, have long-term ratings of 'A' and long-term ratings (xgs) of 'BBB(xgs)'. Both sukuk were issued under BSL's USD3 billion trust certificate issuance programme, which Fitch rates at long- and short-term 'A'/'F1' and long-and short-term (xgs) 'BBB(xgs)'/'F2(xgs)'. Both sukuk mature five years from their issuance dates and therefore should not have any short-term ratings and short-term ratings (xgs).

Key Rating Drivers

Not applicable

Rating Sensitivities

Factors that could, individually or collectively, lead to negative rating action/downgrade, factors that could, individually or collectively, lead to positive rating action/upgrade, references for substantially material source cited as key driver of rating.

The principal sources of information used in the analysis are described in the Applicable Criteria.

  • senior unsecured

VIEW ADDITIONAL RATING DETAILS

Additional information is available on www.fitchratings.com

PARTICIPATION STATUS

The rated entity (and/or its agents) or, in the case of structured finance, one or more of the transaction parties participated in the rating process except that the following issuer(s), if any, did not participate in the rating process, or provide additional information, beyond the issuer’s available public disclosure.

APPLICABLE CRITERIA

  • Sukuk Rating Criteria (pub. 13 Jun 2022)
  • Bank Rating Criteria (pub. 01 Sep 2023) (including rating assumption sensitivity)

ADDITIONAL DISCLOSURES

  • Solicitation Status
  • Endorsement Policy

ENDORSEMENT STATUS

what is an assigned driver

what is an assigned driver

K000138635: BIG-IP VE with Intel e810 SR-IOV ports cannot communicate with neighbor devices over IPv6

Description.

BIG-IP VE cannot communicate with neighbor devices over IPv6, and NDP table entry shows incomplete.

Environment

  • BIG-IP Virtual Edition (VE)
  • TMM is assigned SR-IOV ports with Intel e810 NIC
  • VLAN is tagged inside BIG-IP VE, and SR-IOV VF is not tagged at the host level.
  • Host uses the ice driver version 1.9.11 or later for Intel e810 NIC

The issue is tracked as ID 1407909  and ID 1046025.

Recommended Actions

One of these options will mitigate the issue:

  • Upgrade BIG-IP to the version with the fix of ID 1046025 (v17.1.0 and later as of this writing).
  • Use tagged VLAN at the host level, and use untagged inside BIG-IP VE.
  • Downgrade host ice driver for e810 NIC to 1.8.9 or earlier.

Additional Information

The following commands can be used to determine which device driver TMM is currently using.

Related Content

  • K17204: BIG-IP VE NIC adapters that support SR-IOV

COMMENTS

  1. What is the difference between primary driver and assigned driver?

    What is a assigned driver? Assigned risk is a driver of a motor vehicle or class of such drivers who would be denied insurance coverage by insurance companies but are required to be covered under U.S. state law. What is the difference between primary and secondary driver?

  2. Should a teenager be listed as a primary driver?

    It may also be called the assigned driver or the rated driver. If you have two cars, one for yourself and one for your spouse, your teen may not be a primary driver. However, if you purchase a third car, the insurance company will likely assign your teen as the primary driver.

  3. Determining which drivers must be listed on your car insurance policy

    If you fail to list a driver that your insurer requires and they are responsible for an accident, your claim may get denied. That would leave you on the hook for all of the costs of the accident, especially if you leave a driver off of your policy in order to pay less.

  4. Insurers match every driver to a car to determine insurance rates

    Individual insurance company guidelines vary, but it's pretty standard for auto insurers to require each listed driver on a policy to be matched up as the primary driver of a vehicle if the number of cars and drivers is equal. If there were more cars than drivers, you could be listed as the primary driver of more than one vehicle.

  5. Which Drivers Should Be Listed on Your Auto Policy?

    The answer is yes, and no. The policy language states that all licensed members of a household or any driver that may have regular access to a vehicle needs to be listed as an operator on the policy. The next question is to properly assign the driver as the Principal Operator of the vehicle that they are going to drive the most.

  6. Adding a Driver to Your Car Insurance

    The cost of adding a driver to your car insurance or sharing a policy varies based on factors like the driver's age and their motor vehicle record. For example, many insurance companies offer a discount if you have a teen driver or a good student listed on your policy. On the other hand, a driver with a history of insurance claims and traffic ...

  7. Driver Statuses Assigned To Drivers On Car Insurance Policies

    Driver Statuses Assigned To Drivers On Car Insurance Policies Car insurance is a very important item to have. There are many different types of plans available, each with a different cost. The premium each driver will pay depends on several factors closely examined by the car insurance company.

  8. How State-Assigned Car Insurance Works

    What is an assigned-risk car insurance pool? Drivers who are deemed too risky may be unable to buy car insurance on the private market. But they still need coverage by law if they own vehicles, so ...

  9. Is a teen considered an occasional driver?

    This means you'd be assigned the primary driver of the car you use most, your wife to her car and your son to the third vehicle. And with some insurers, in some states, you would be assigned as an occasional driver to the other cars in your household; thus, everyone is a principal driver of one car and occasional driver on all others.

  10. What happens if you add a driver to your car insurance?

    Caret Down. Yes, adding a named driver to your policy would affect your insurance premium to account for the named driver's individual risk factor. Additionally, if the named driver gets into an ...

  11. What Is Primary & Secondary Driver Insurance?

    By Chron Contributor Updated July 24, 2020. Primary and secondary driver insurance refers to the driver designation of two or more drivers of the same vehicle on the same policy. The driver who ...

  12. What Does It Mean If A Driver Is Labeled As Assigned Risk?

    Insurance companies are required to provide assigned risk drivers with insurance for at least three years, and have the option to renew your policy or choose to drop you as a customer. Being classified as an assigned risk does give you insurance coverage, but it also means that you'll pay higher car insurance rates, and often be required to ...

  13. Can Someone Else Drive My Car?

    Auto and Vehicles January 17, 2022 2 minute read Can someone else drive my car? Discover what happens if someone else drives your car and gets into an accident. There are times in life when we need to let someone borrow our car, but we hesitate allowing them to use it because we don't know if we can, or if we should. We wonder:

  14. Avoid these big mistakes on auto insurance applications

    Skipping a question when filling out a car insurance application may not seem like a big deal, but what you omit or enter incorrectly can create issues down the road. Errors on the application can result in a denied claim or even a policy revocation. Mistakes happen, but some applicants intentionally try to hide or alter information to get ...

  15. What is a JUA or an assigned risk pool for high-risk drivers?

    JUA stands for Joint Underwriting Association. Some states have created a Joint Underwriting Association, which will insure drivers who cannot secure car insurance from an insurer on their own, usually high-risk drivers. Instead of having a JUA set up in other states, there is an assigned risk pool. This is to ensure all motorists can find ...

  16. Assigned Risk Auto Insurance: Coverage for Risky Drivers

    Fill out the application: Fill out the application for assigned risk auto insurance that the insurance provider provides. The application may ask for personal data, information about your car, and facts on your driving history. Pay the Premium: Due to the higher risk involved, assigned-risk auto insurance policies sometimes have higher rates.

  17. What is the California Assigned Auto Risk Plan (CAARP)?

    What is the California automobile Assigned Risk Plan? The California Automobile Assigned Risk Plan is the state's residual or non-standard car insurance marketplace — that just means it's a special program for drivers who can't find car insurance coverage in California the normal way. It makes it possible for drivers who can't find a quote because of their driving record to get the ...

  18. What Is Assigned Risk Pool For Auto Insurance?

    In New York's assigned risk plan you're limited to $250,000 in liability coverage for bodily injury to one person in a car accident and you can add collision and comprehensive coverage. But if...

  19. What's Assigned Risk Auto Insurance?

    Assigned risk auto insurance is an option for drivers who have trouble securing a standard car insurance policy, often due to a poor driving record, a low credit score, or because they live in an area at high risk of theft or vandalism. States establish assigned risk auto insurance programs and require private insurers to participate.

  20. What is Assigning driver to a Vehicle or Vehicle Assignment

    Updated November 06, 2023 19:41 Vehicles can only be assigned to exempt drivers by Fleet Admins, non-exempt drivers can pair through the Motive Driver Logbook. Assigning vehicles to exempt driver profiles helps identify whether they are using a particular vehicle.

  21. Assigned Risk: What It Is, How It Works

    Assigned risk is when an insurance company is required, by state insurance law, to provide coverage for risk that may not find coverage in the general insurance marketplace. In order to...

  22. "Assigned driver"? : r/Insurance

    Assigned drivers means thats the car your driving history is being accounted for. So if you had more than one vehicle youd only be assigned to your primary vehicle. But youd be the principal operator for both. r/Insurance All Things Insurance All Things Insurance! 100K Members 311 Online Top 2% Rank by size r/Insurance

  23. New Iowa bill sets legal definitions for 'man,' 'woman' and 'sex'

    The bill says if a person is issued a new birth certificate, driver's license or non-operator's ID card following a change in the applicant's sex designation, the new document will list the ...

  24. Are Uber drivers assigned rides?

    Uber drivers are matched with riders based on factors such as proximity, driver rating, and driver availability. This ensures that the most suitable driver is assigned to each ride request, optimizing the experience for both riders and drivers. What happens if my assigned driver cancels on me?

  25. Nvd

    Description . Late privilege drop in REFRESH MATERIALIZED VIEW CONCURRENTLY in PostgreSQL allows an object creator to execute arbitrary SQL functions as the command issuer.

  26. Fitch Withdraws Short-Term Ratings (xgs) of Boubyan Sukuk Limited's Sukuk

    The ratings above were solicited and assigned or maintained by Fitch at the request of the rated entity/issuer or a related third party. Any exceptions follow below. ... (Review - No Action), please refer to the "Latest Rating Action Commentary" for an explanation of key rating drivers *Premium content is displayed in Fitch Red . About.

  27. BIG-IP VE with Intel e810 SR-IOV ports cannot communicate with neighbor

    BIG-IP Virtual Edition (VE) TMM is assigned SR-IOV ports with Intel e810 NIC VLAN is tagged inside BIG-IP VE, and SR-IOV VF is not tagged at the host level. Host uses the ice driver version 1.9.11 or later for Intel e810 NIC Cause The issue is tracked as ID 1407909 and ID 1046025. Recommended Actions One of these options will mitigate the issue ...