What to do if you can’t find an insurance that is right for you because you are considered high-risk? Frankie Kuo, an analyst at ValuePenguin.com, says that in almost every state there is unassigned risk plan, built for high-risk drivers that have difficulty finding coverage. That plan should help for a limited period of time but that’s better than having an insurance laps. Kuo states that it is worth the higher price. “Even if the rates may be higher than if they obtain a policy in the voluntary market, they will be avoiding insurance lapse, which not only contributes to higher rates in the future, but also possibly legal consequences,” he adds.