High Risk Car Insurance

The average cost for high-risk car insurance is $341.69/mo or $4127/yr with average rate increases of 65%. High-risk drivers may have multiple tickets, DUIs, or other driving record blemishes. To find affordable high-risk car insurance rates from top auto insurance companies, enter your ZIP code now.

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High Risk Car Insurance

The average cost for high-risk car insurance is $341.69/mo or $4127/yr with average rate increases of 65%. High-risk drivers may have multiple tickets, DUIs, or other driving record blemishes. To find affordable high-risk car insurance rates from top auto insurance companies, enter your ZIP code now.

Marissa Hayes is a technical editor and contributing writer for Insurantly.com. She holds a Bachelor’s Degree in history, and she was the editor of the literary...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance...

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Reviewed byDaniel Walker
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UPDATED: Sep 8, 2020

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High-Risk Car Insurance

Welcome to Insurantly. Today, we will learn about high-risk auto insurance, including what options you have and where to find affordable coverage for bad driving records.

A brief summary

  • DUIs, speeding tickets, at-fault accidents, and being caught driving while uninsured are all events that can raise your insurance and label you as a high-risk driver.
  • Your rates will be affected for three to five years if you get a ticket or DUI.
  • If this occurs, you may be required to carry special SR-22 car insurance for high-risk drivers.

What is high-risk auto insurance? The need to carry high-risk auto insurance is typically determined by your driving record. When something appears on your driving record, such as a DUI, speeding ticket, or an at-fault accident, your risk profile is reassessed by your insurance provider and you may be determined a risky driver. If this is the case, your rate will likely increase.

High-risk policies are specifically formulated for drivers who are considered a higher risk to insure due to issues like past traffic violations, accidents, claims, DUIs, and more. These driving violations typically force consumers to buy what is called high-risk auto insurance.

Insurantly helps consumers find cheaper rates by giving them the opportunity to compare multiple car insurance quotes from several high-risk car insurance companies. Rather than visiting multiple carriers’ websites, Insurantly gives you the best options based on your ZIP code.

How can I get bad driving record insurance? One of our goals is to help our visitors who may be considered high-risk drivers find the best car insurance for a bad driving record.

If you have a bad driving record, auto insurance doesn’t necessarily have to break the bank. Insurantly will match you up with the perfect high-risk car insurance company. You can enter your ZIP code above to get FREE affordable high-risk car insurance quotes from multiple insurers.

Car Insurance Rates For High-Risk Drivers

Often times, people are charged higher premiums because they have a bad driving record. Auto accidents, DUIs, traffic tickets, and multiple car accident claims submitted to insurance companies will push a driver into the high-risk category.

You can see in this table what the average car insurance rates are after just one at-fault accident, speeding ticket, or DUI.

Average Annual U.S. Car Insurance Rates by Driving Record
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
Geico$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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Just one of these events can raise your rates considerably. One speeding ticket may increase your rates by 12 to 24 percent. One at-fault accident and you could be looking at a 20 to 49 percent increase. A DUI may cause the most damage, as your rates could be raised anywhere from 17 to 127 percent.

If you have a bad driving record, auto insurance isn’t always easy to come by, but it’s possible. As you can see, each company weights these driving violations very differently when they calculate your rates.

What is the cheapest insurance for bad drivers? It depends on what is tarnishing your record, but USAA, Geico, and State Farm often have good rates.

What if you’re caught speeding? One-third of all vehicular fatalities in 2017 involved speeding. It’s risky behavior that’s proven to be dangerous. If you’re caught speeding, you will be labeled a high-risk driver.

Got a DUI? Receiving a DUI is one of the worst offenses a driver can commit and can more than double your insurance rates. Responsibility.org notes that 29 percent of total vehicle traffic fatalities in 2018 involved alcohol-impaired driving.

You can also be labeled high-risk if you’re caught driving uninsured. Despite the risk, the Insurance Information Institute estimates that one in eight drivers out on the roads are uninsured.

You’ll probably end up with a rate hike, but you could also face other consequences like a suspended license and additional fees.

Insurance for high-risk drivers is not offered by every company. Your rate may have increased due to your current circumstances.

What is the Non-Standard Market? The non-standard market specializes in covering people with bad driving records or people who are inexperienced with little driving history.

Other than having driving offenses and multiple accident claims, having bad credit could also affect your car insurance rate. Refer to the assigned risk program for further reference.

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How does a DUI conviction affect your driving record and car insurance rates?

“Don’t drink and drive”, is a phrase that has been burned into many of our brains since childhood. Unfortunately, catchy phrases don’t always prevent drivers from driving while under the influence and getting a DUI/DWI. If you are charged with a DUI/DWI, you should seek a DUI lawyer to learn all your options. Receiving a DUI/DWI will cause your auto insurance premium to increase, and probably quite significantly.

Depending on your state of residence, being convicted of DUI/DWI can cost you thousands of dollars in fines and huge increases in auto insurance costs. Drivers report up to and over 40% in auto insurance costs in many cases.

This video from the Law Offices of Terry L. Gilbeau goes over some things that can happen to you if you get a DUI.

People tagged with driving under the influence on their driving record are considered high risk and will need an insurance company that covers drivers with a DUI. That means higher rates because of future predictability.

Factors That Determine Your Car Insurance Rates

Each carrier has its own pricing based on unique factors like loss ratio, return on investment, overall risk, and market share. When you are considered a high-risk driver, what can you do to find insurance that is more affordable?

One of the keys to lower your payment is to thoroughly compare car insurance online.

Someone living in Chicago will get different pricing compared to someone living in Los Angeles. For this reason, it is highly recommended that you compare top high-risk companies before signing up for a new policy. This process could save you hundreds of dollars per year – literally.

“But I don’t have a bad driving record. Why am I paying higher rates?” Insurance companies use other factors that may deem you as a high-risk driver. Some of these other factors could be:

  • Males under the age of 25
  • Young first-time drivers and student drivers
  • Teenagers
  • Poor credit ratings
  • Type of vehicle you drive
  • How much you drive
  • What city you drive in
  • Vandalism
  • Claims history

While other factors may also impact your rates, they will not be as impactful to your rate as the criteria listed above.

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Best Car Insurance Companies for High-Risk Drivers

“If I have a bad driving record, which car insurance companies will offer me coverage?”

This is a common question. Many major companies will still provide auto insurance to many types of drivers, even those with less than ideal driving records.

If you compare insurance options online there is a good chance a brand carrier will cover you.

If not, there are still viable options through the secondary market until you can prove to be responsible behind the wheel. The rates will likely be higher until you have a proven record and your profile is considered less risky.

What is the best car insurance for bad drivers? Most insurers still offer some type of coverage, but you may have more success with some specific insurers.

  • The General Car Insurance. The General offers high-risk car insurance. Read Insurantly’s review on The General.
  • Allstate. They will insurance teens and other high-risk drivers. If you have had a DUI/DWI, you may want to use Insurantly to help compare quotes from multiple companies.
  • Progressive Car Insurance. Progressive is rated high for being flexible. They allow you to tailor your own full coverage policy to fit your needs.
  • Acceptance Car Insurance. Acceptance offers auto insurance policies for high-risk drivers. Their offices are more prominent in the midwest and southern states. They offer competitive rates and you can buy a policy online.

Find coverage that is right for you. Compare these providers and see how much you can save.

Poor Safety Ratings Mean High-Risk Cars

The Insurance Institute for Highway Safety (IIHS) scores vehicles with safety ratings of Good, Acceptable, Marginal, or Poor. There’s also the National Highway Traffic Safety Administration (NHTSA), which scores crash test ratings from one to five, with five being the safest and one being the least safe.

If you have a vehicle with a poor safety rating and will not protect you in the event of an accident, insurance companies will likely be paying out more in bodily injury claims.

This is why it’s important to insurance companies that you have a car with a high safety rating.

While insurance companies can’t make you choose a car with good safety ratings, they can indirectly push you towards buying a safer car by increasing the insurance rate for vehicles with low safety ratings. Below is a list of criteria that affects the safety rating of a vehicle.

  • Vehicles need to be well built, particularly in the side structure areas that can withstand side impacts from automobiles of different sizes and heights.
  • Size and weight are critical in terms of safety, and insurance companies consider these in their calculations. If you drive a smaller, lighter car, you are always at more risk, considering the impacts of an accident. However, they do offer advantages for being able to avoid the accident because of their maneuverability.
  • SUVs and pickups can be considered high risk because they have a higher chance of rollover. Rollover car accidents are potentially devastating. Pickups in particular have one of the highest rates of fatality due to the rollover factor.
  • Each auto insurance company may evaluate risk differently, so it’s best always best to compare.

What cars are considered high-risk?

Sports cars – Insurance companies deem sports cars as high-risk because their drivers tend to receive more traffic tickets. They also have a higher propensity for accidents and injuries.

Cars that don’t have a good safety rating – Keep in mind that auto insurance companies are always monitoring risk, and car safety ratings are a critical component of these calculations. If you are concerned about car insurance rates, make sure to research your car’s safety rating beforehand.

Replacement parts – If you drive a hybrid car, for example, some insurance companies offer a discount while others do not. Replacing parts in the event of an accident can be much higher if you do not consider aftermarket parts.

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SR-22s for High-Risk Drivers

While it is often referred to as SR-22 insurance, it is not actually insurance. Rather, it is additional documentation filed with your state of residence to show that you are carrying the state-mandated amount of insurance.

Why would you need to file SR-22 forms and what does an SR-22 cover?

There could be several reasons why you may need to file for an SR-22, including driving without insurance, getting a DUI/DWI, receiving multiple traffic violations, or being in an at-fault accident. Any of these reasons could make you a high-risk driver in the eyes of your state and car insurance company. If this is the case, almost every state will require you to file SR-22 forms.

Luckily, most car insurance companies understand how hard it can be to find the right policy, and furthermore, be accepted into that policy. Often times, they will help motorists by carrying a large pool of insurers, and many offer great coverage including full coverage at a discounted rate. If you need further assistance, we recommend looking into the assigned risk program.

What does SR-22 cover? SR-22 typically covers any damage above your state minimum liability. It will not cover the vehicle you are driving. It will also not provide any sort of medical coverage for yourself or anyone traveling in your car at the time of an auto accident.

Finding auto insurance with a bad driving record can feel daunting, but state laws require that you must be insured while operating your vehicle.

Fortunately, there are companies that do provide car insurance for people with poor driving history. In fact, some companies actually specialize in bad driving record car insurance or non-standard auto insurance.

Getting a price on coverage involves the insurance company creating a risk profile specific to you. When looking at a bad driving record, insurance companies see risk differently. This means you may need to shop around a bit and compare quotes. You can use Insurantly’s car insurance comparison tools to get rate quotes over 27 of the largest companies.

How much does high-risk bad driving record insurance cost? Depending on your car insurance company and the offense committed, you could be paying 300% higher rates. With so much money on the line, the best thing you can do it make sure you understand what causes your rate to go up.

You might want to consider ordering your driving history to have for your own records.

Some things that may be included are court judgments, speeding tickets, auto accidents, and any DUI/DWI convictions. If you are pulled over for drunk driving you need to seek legal counsel.

“Why Am I Considered a Bad Driver?” Have you had your license revoked? If so, you will typically be notified by your state that you need an SR-22 policy in order to have your license reinstated. Drivers over the age of 70 are considered high risk and may need to obtain a SR-22 policy as a result.

Many car insurance companies will work with you and provide you a chance to attain low-cost bad driving record auto insurance coverage. If you are a young driver with limited driving history,  especially a male under the age of 25, you are almost always considered high risk.

Basic Driver Improvement Course to Lower Car Insurance Rates

Traffic School driver improvement courses are approved in most states. These courses are designed to reduce points on your driving record that can help lower your car insurance rate. Traffic School may also be state ordered.

Course Goals

  • To improve your driving skills.
  • To keep points off your state driver’s license (varies from state to state).
  • To help maintain safe driver status, thus reducing your risk profile.
  • To keep insurance premiums at a minimum.

The Basic Driver Improvement course may also help you get insurance rate discounts. Older drivers over 50 and 60 years old may be able to get a discount as well by taking this course.

Driving While Uninsured

One of the main factors that makes auto insurance expensive in specific areas is the number of uninsured drivers on the road. While car insurance is required by every state, this does not mean that everyone has coverage.

If you drive your car without auto insurance, you risk paying heavy fines and force other responsible drivers to pay more in insurance rates. Additionally, car insurance companies consider all drivers operating a vehicle, not just the person who owns the car, and then assess the risks involved. The more drivers who operate their vehicle without car insurance, the more expensive it is for everyone else.

Car Insurance Quotes & Contact Information.

If you are considered a high-risk driver by your current insurance company, you could be paying over 300% higher rates than a standard driver. The best way to reduce your monthly payment is to compare companies and prices.

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Frequently Asked Questions: High-Risk Car Insurance

How far back does State Farm look at your driving record?

Most insurers will look at your record for the past five years, but the impact of a ticket or DUI decreases over time. State Farm even notes on their website that a ticket from twelve months ago is far more impactful than something from five years ago. The key is to avoid any traffic violations for a prolonged consistent period of time and prove that you’re not high-risk anymore.

Generally, these are the lengths of time that certain infractions will stay on your record:

  • Speeding ticket: three years.
  • At-fault accident: three years.
  • DUI: five years.
  • Caught driving without insurance: six months.

Be sure to check with your insurer.

Can you get motorcycle insurance with a bad driving record?

Just like auto coverage, if you have a bad driving record, motorcycle insurance coverage will be harder to get. You’ll be considered high-risk, and the risk of injury that can lead to a claim on a motorcycle is going to be a major contributing factor to how the insurer determines your rates.

If you have a bad driving record and need high-risk car insurance, let us help out. Enter your ZIP code below to get FREE high-risk car insurance rates with multiple insurers.

References:

  1. https://www.responsibility.org/alcohol-statistics/drunk-driving-statistics/drunk-driving-fatality-statistics/
  2. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  3. https://www.nhtsa.gov/ratings
  4. https://www.iihs.org/ratings
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