Where and how do you get car insurance if a car insurance company cancels you?

The initial action that may occur to the consumer is merely to go to another insurer. However, that may be am overly simplistic approach.

Most states have statutes (laws) that delineate the circumstances under which an auto insurer may decline to renew ("drop") an existing insured. One of these includes that the insurer makes a business decision to no longer write insurance in the state. However, terminating policies for that reason is a fairly lengthy process and requires regulatory approval.

Most states have consumer protection laws as part of their Insurance Codes that define and delimit the types of offenses for which an insured may be canceled (if found guilty). More likely, at least for a first offense, the result will be a premium increase. Additionally, the circumstances under which an insured may be "dropped" must be part of the underwriting guidelines that the insured files and must get approved as part of it application to transact insurance business in the state. Admittedly, though, some states are more/less consumer friendly than others.

It is important that the person whose insurance has been canceled move quickly to replace it. This is because motor vehicle authorities track cancellations and, if due to a cancellation, the persons is no longer in compliance with the state's Financial Responsibility Law which requires the maintenance of auto insurance, his/her license/tags may be suspended until the insurance is replaced. For replacing you can check a comparisson site like this one where you can get free quotes from different companies