Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 23, 2021

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The Lowdown

  • Receiving a non-renewal notice doesn’t mean a driver has done anything wrong
  • A policy non-renewal and a policy cancellation are two very different things
  • Receiving a policy non-renewal doesn’t mean that your rates will rise with another company

If you’ve received a non-renewal insurance letter from your auto insurance company, don’t worry. There are plenty of affordable auto insurance companies that cover drivers with a non-renewable notice.

It can be a bit unnerving to get such a notice, and it may make you fear for your auto insurance rates, but auto insurance companies that cover drivers with a non-renewable notice don’t necessarily see such a letter as a sign that you’re a costly driver to insure.

You can find auto insurance quotes from auto insurance companies that cover drivers with a non-renewable notice as soon as you need to by requesting quotes online.

Enter your ZIP code to start comparing free quotes from auto insurance companies that cover drivers with a non-renewable notice near you.

What are auto insurance companies that cover drivers with a non-renewable notice?

If you need to buy auto insurance after receiving non-renewal notice, thankfully auto insurance companies that don’t cover drivers with a non-renewable notice are very few and far between.

Do you want to know where to find the best auto insurance rates? Take a look at this list below of the best insurance companies that can get you the coverage you need and a great rate to boot:

  • Erie
  • State Farm
  • GEICO
  • USAA

These four companies are leaders in their field but each comes with its own nuances. Let’s take a more in-depth look at what these companies can offer you.

Erie

Drivers with Erie can potentially pay as little as $33 per month, but of course, rates will vary from driver to driver. While the rates offered by Erie are exceptional, unfortunately not everyone can purchase insurance from this company, as it is only available in 12 states.

State Farm

On the other hand, State Farm is available nationwide. If you find that you need insurance right away, you won’t have any trouble getting an online quote from State Farm.

Depending on what kind of car you drive, you may also be able to get coverage through State Farm for $52 per month. State Farm also offers a number of discounts.

State Farm Available Discounts
DiscountAmount
Anti-lock Brakes5%
Anti-Theft15%
Claim Free15%
Defensive Driver5%
Distant StudentVaries
Driver's Ed15%
Driving Device/App50%
Good CreditVaries
Good Student25%
Homeowner3%
Low Mileage30%
MarriedVaries
MilitaryVaries
Multiple Policies17%
Multiple Vehicles20%
Newer Vehicle40%
Paperless/Auto Billing$2
Passive Restraint40%
Safe Driver15%
Vehicle Recovery5%
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State Farm has many local agencies too, so if you ever find yourself in a complicated insurance situation, you’ll easily be able to find someone to talk to either over the phone or in person.

GEICO

One of the biggest insurance companies in business today, GEICO can offer drivers great rates starting at $65 per month. You can also make use of the many discounts GEICO offers to lower your rates:

GEICO Available Discounts
Discount NamePotential Savings
Air bag25% (driver side), 40% (full-front seat)
Anti-lock brakes5%
Anti-theft system25%
Daytime running lights1%
Defensive drivingVaries
Driver's educational courseVaries
Emergency deployment25%
Federal employee (Eagle)8%
Good driver26% (five years accident-free)
Good student15%
Membership & employeeVaries
Military15%
Multi-policyVaries
Multi-vehicle25%
New vehicle discount15%
Seat belt use15% (medical or PIP portion)
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Many people will be eligible for one (or even more) of GEICO’s available discounts.

USAA

Like State Farm, USAA is available nationwide, but this insurance company is not available to every driver.

If you are an active-duty servicemember, a veteran, or a spouse of a veteran or active-duty servicemember, you would qualify to get insurance from USAA for as little as $37 per month. You might even be eligible for some discounts.

USAA Available Discounts
DiscountsUSAA Discounts Offered and Percentage
Claim Free12%
Defensive Driver3%
Driver's Ed3%
Driving Device/App5%
Early Signing12%
Family Legacy10%
Garaging/Storing90%
Good Student3%
Military Garaging15%
Newer Vehicle12%
Paperless/Auto Billing3%
Safe Driver12%
Young Driver$75
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For those that are eligible, USAA is often a great choice.

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What does it mean if your auto insurance is not renewed?

Not renewing auto insurance isn’t an uncommon thing. Even with insurance companies like Progressive, non-renewal notices can be sent out.

This is because your insurance company has the right to withhold the offer of an auto policy renewal. If the insurance company decides not to renew your policy, you’ll be notified before your policy ends so you have time to find new insurance and avoid a lapse in coverage.

While it may be alarming, a policy non-renewal is not always the driver’s fault. An insurance company can choose not to renew your policy if you bought a new car or moved to a new state.

Of course, if you have quite a few at-fault accidents and a DUI or two, that could also influence an insurance company’s position.

It is important to note that a policy non-renewal is not the same as a policy cancellation. A policy non-renewal will occur at the end of your original policy, and, typically, will not cause your rates to rise at a new insurance company.

A policy cancellation, on the other hand, will occur before your policy is up and is often caused by a failure to pay your monthly rates or because of some other infringement like insurance fraud.

What should drivers do after receiving a non-renewal notice?

Upon receiving a letter of non-renewal from your insurance company, you’ll need to look for a new insurance company before your policy ends so you don’t have a lapse in coverage.

If you need a new auto insurance company, auto insurance companies that cover drivers with a non-renewable notice can be found easily online. Always compare at least three quotes from different companies. This way you can be sure that you getting the best policy for you.

Affordable Auto Insurance Providers That Cover Drivers With a Non-Renewable Notice: The Bottom Line

While receiving a non-renewal notice can be frustrating, you’ll be given plenty of time to find a new insurance company, and if your company decided not to renew your policy because you moved or bought a different car, you may not see a rate increase when you get new insurance.

It’s possible that moving to a new company could even save you some money, so if you’ve been notified that your policy won’t be renewed, don’t wait to find insurance. The last you want is a lapse in your insurance history.

Enter your ZIP code today to get free rates from auto insurance companies that cover drivers with a non-renewable notice.