Can Auto Insurance Companies Deny Coverage? 
Yes . They can deny you as long as the reason is not discriminatory . Insurer 's have specific sets of rules that they file with the states they operate in , that dictate who will be able to get what sorts of rates . As long as they apply those same rules fairly to everyone they can turn you down if you do n't fit their profile . If you are having trouble getting insurance due to driving record , criminal convictions etc , most states have a high risk pool that will accept anyone , but the rates may be very high . The insurance company that denies you does have to provide you a reason why they are denying you ! 