WalletHub, Financial Company
The Texas Automobile Insurance Plan Association (TAIPA) is a state-run system that assigns high-risk drivers in Texas to car insurance companies in order to help the drivers get the minimum coverage required by state law. Drivers are eligible if they’ve been rejected for auto insurance twice in the past 60 days.
How to Get Insurance With TAIPA:
- You must be a Texas resident or have a car registered in the state to apply.
- You must certify through your signature that you’ve been rejected by two auto insurance companies within the past 60 days.
- Once your application has been accepted, you will be assigned to an insurance company that is licensed to operate within the state. The number of drivers assigned to each company is proportional to how much business the company does within the state, so there’s a good chance that you will be assigned to a major national insurer.
- After you’ve been assigned, you’re entitled to three years of continuous coverage.
As an assigned-risk program, TAIPA does not directly provide auto insurance but instead works with private insurance companies to cover high-risk drivers. Drivers in the program can only receive the minimum coverage required by state law, and you should expect to pay a hefty price for it. But if you have TAIPA coverage and go a full year without any tickets or accidents, your rate will start to decrease. And if you have a clean driving record for three years, your assigned company must offer you a cheaper policy outside of the program. If your record is still too high-risk after three years, you can re-apply with TAIPA and be assigned to a new insurer.
To apply for The Texas Automobile Insurance Plan Association, you can call (866) 321-9154 to be put in touch with a local representative. You can also apply online through the TAIPA website.
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