If your auto insurance company is refusing to renew your policy because of multiple accidents, claims, or tickets, you are not alone.
Arizona carriers frequently drop drivers who have:
- 2 or more at-fault accidents
- Several not-at-fault accidents in a short period
- Accidents + tickets combined
- High claim frequency
- Past lapses in coverage
- A surcharge history the carrier no longer accepts
We specialize in high-risk auto insurance and can help you get affordable coverage the same day.
Why Auto Insurance Companies Non-Renew Drivers
Multiple At-Fault Accidents
Two at-fault accidents often triggers automatic non-renewal.
Frequent Claims (Even Small Ones)
Multiple claims in 12–36 months signals financial risk to insurers.
Tickets + Accidents Combined
A collision plus a speeding ticket is enough for many carriers to decline.
Not-At-Fault Accidents Still Count
Some carriers consider total frequency, regardless of fault.
Lapse in Payment or Coverage
A late payment or lapse at renewal increases risk scoring.
High-Risk Auto Insurance Options
Liability-Only Coverage
Budget-friendly option after non-renewal.
Full Coverage Options
Still available for financed or leased vehicles.
Accident-Forgiveness Carriers (Case-by-Case)
Some carriers reduce the impact of future accidents.
SR-22 Filings (If Needed)
We can file instantly with Arizona MVD.
Non-Owner SR-22 Insurance
Required if you don’t own a vehicle but must maintain coverage.
Who We Insure in Tempe
We help:
- Drivers with 2–3 accidents
- Drivers with multiple not-at-fault claims
- Drivers dropped by their carrier
- Drivers with combined tickets + accidents
- Drivers with a lapse in coverage
- Young or new drivers with accidents
- Rideshare drivers (Uber/Lyft) with claim history
- Drivers needing fast reinstatement
How to Get Auto Insurance After Non-Renewal in Tempe, AZ
- Call or text 480-270-2935 — this is step one.
- Give us your accident + ticket history
- We shop high-risk markets
- You choose the best available rate
Coverage can be activated same day.
Non-Renewal Auto FAQs — Tempe, AZ
Can I get insurance after multiple accidents?
Yes — we work with high-risk carriers that accept drivers with two or more accidents.
Absolutely — can you insure me even if my company dropped me?
Yes. Non-renewals are extremely common and we specialize in replacement policies.
Will my rate ever go down?
Yes. After 36 months, most accidents fall off your rating and premiums drop significantly.
Auto Insurance After Non-Renewal in Tempe, AZ — Get a Fast Quote
Don’t stay uninsured — we help drivers get back on the road quickly.
Call or text 480-270-2935 for a high-risk auto quote.
¿Prefieres hablar en español?
¿Prefieres hablar en español?
Llámanos al 480-270-2935 para seguro de auto después de múltiples accidentes o cancelación en Tempe, AZ.