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.

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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.

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: Apr 3, 2020

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Welcome to Insurantly. Learn about high risk Auto Insurance, your options, and affordable coverage for bad driving records

What is high risk car insurance?

It typically relates to your driving record. If it becomes less than perfect, your risk profile is reassessed by your insurance provider and may be valuated in the risky category. If that is the case your rate will likely increase.

High risk policies are formulated for drivers who are considered a higher risk to insure because of things like past traffic violations, accidents, claims, DUIs, and more. This is what typically forces consumers to buy what is called high risk auto insurance.Insurantly helps consumers find a cheaper more affordable rate by giving consumers the opportunity to compare multiple car insurance quotes. Rather than visiting multiple carriers’ websites Insurantly gives you the best companies based on your ZIP code. One of our goals is to help our visitors find the best car insurance if you have a bad driving record or are considered a high risk driver.

Looking For A Lower Rate Or Need a New Policy? Insurantly will match up the perfect car insurance company.

Car Insurance For High Risk Drivers: What You Need To Know

Often times people are charged higher premiums because they have acquired a bad driving record for various reasons. Auto accidents, DUI’s, traffic tickets, and multiple car accident claims submitted to insurance companies will generally push a driver into the high risk category.

Each carrier has it’s own pricing based on unique factors like loss ratio, return on investment, overall risk, and market share. So when you are considered a high risk driver what can you do to find insurance that is cheaper and more affordable? One of the keys to a lower payment is to intelligently compare car insurance online. You can start with Insurantly.com.

Someone in Chicago will get different pricing compared to someone living in Los Angeles. That’s why it is highly recommended to compare top high risk companies before signing on to a new policy. Be smart. It could literally save you hundreds of dollars per year. But I don’t have a bad driving record why am I paying higher rates.

It is not common knowledge that insurance companies may use other factors that could deem you as a high risk driver.

Some of these other factors could be:

Basic Driver Improvement

Traffic School driver improvement courses are approved in most states. These courses are designed to reduce points which can help you lower your car insurance rate. They also can be state ordered.

Course Goals

  • To Improve your driving skills
  • To keep points off your state drivers 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 an insurance rate discount. Speak with your agent for more details. For older drivers over 50 and 60 years old. You may be able to get discount as well by taking this Course.

If I have a bad driving record which companies will offer me car insurance?

This is a common question. Many major brand companies will still provide auto insurance to many types of drivers young and old. Perhaps you are considering a broker? However, if you compare insurance options online there is a good chance a brand carrier will cover you.

If not then 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.

Best Car Insurance Companies for High Risk Drivers

  • 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 etc you may want to use Insurantly to help compare quotes from multiple companies.
  • Progressive Car Insurance. One of the most entertaining insurance companies with its “Flo” character Progressive is rated high for being flexible. They allow you to tailor your needs to fit into your own full coverage policy.
  • 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.

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What cars are high risk?

Sports cars – This is probably obvious but insurance companies deem these as a higher risk because they lead to more traffic tickets, and have a higher propensity for accidents and injuries, which ultimately lead to more accident claims.

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

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 after market parts.

Characteristics of High Risk Cars

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

Cheapest Car Insurance For High Risk Drivers

Insurance for high risk drivers is not offered by every company. Your rate may have increased due to your current circumstances. But you may be able to save hundreds by getting a quote now.

What is the Non Standard Market?
The non-standard market specializes in covering those with a bad driving record, or who are inexperienced with little driving history. Other than having driving offenses and multiple accident claims, having bad credit could effect the rate of car insurance. Refer to the assigned risk program for further reference.

How does SR-22 work with high risk drivers?

It is a high risk policy and is not insurance rather it is additional documentation with your state of residence in addition to the auto insurance you have.

Why would you need to file SR22 forms and what does SR22 Insurance cover?

There could be several things. Were you driving without insurance, did you get a DUI/DWI? Some are offered because of multiple traffic violations, or you were considered at fault during an accident.

If any of these pertain to you then the state and your car insurance company may now rate you as high risk, and in this case almost every state will require you to file SR22 forms. Most car insurance companies understand that there are troubles in finding the right policy and being accepted into that policy, therefore they will help motorists by carrying a large pool of insurers and many offering great coverage including full coverage at a discounted rate.

If you need further assistance learn more by reading about the assigned risk program.

What does SR22 Insurance Cover? SR22 will not cover the vehicle you are driving. It will also not provide any sort of medical coverage for yourself nor anyone traveling in your car at the time of an auto accident. Typically any damage above your state minimum liability; typically $75,000 depending on your state laws will be your responsibility. Speeding tickets and car insurance rates Drivers get speeding tickets every single day but how will a speeding ticket affect your driving record and insurance rates as a high risk driver? Insurantly researched the most common questions and more.

  • Car Accidents & Insurance How your auto insurance is affected after a car wreck depends on many factors. Learn more and what your options are.
  • Car insurance rates and DUI/DWI Have a DUI/DWI on your driving record. Insurantly created an in depth look at what your options are after a DUI and answered dozens of common questions. Learn more.
  • Understanding SR-22 Insurance SR22 is not just associated with a DUI or DWI. It could be from other driving and traffic violations. Read Insurantly’s page on the subject here.
  • Uninsured Motorists FAQ Are you driving without insurance? Were you struck by an insured motorist? Learn more on Insurantly’s UM page.

Tips for young drivers Insurance companies charge high rates and premiums for younger drivers. Insurantly created information for drivers typically under the age of 25. See what your options are.Bad credit and auto insurance rates. If you are in a situation when you have less than perfect credit and are applying for car insurance your credit scores may affect your rate. Unless you are in a state such as California. Learn more.

If you have traffic tickets, been in car accidents, or pulled over for DUI etc you have what is commonly called a bad driving record and paying higher rates if you have not already noticed. Fortunately there are companies that do provide car insurance for bad drivers, or a poor history.

State laws require that you must be insured while operating your vehicle. Depending on the factor that caused your rate to increase you could be paying a higher premium for a couple years at minimum until you can prove you are not “at risk”. The key is to avoid any traffic violations for a prolonged consistent period of time.

Some companies actually specialize in bad driving record car insurance. Again, depending on what had specifically drove up your rate, people with bad driving records need insurance too, and many insurance companies specialize in what is called non standard auto insurance.

Getting a price on your car insurance involves the insurance company creating a risk profile specific to you. It depends on your exact risk level profile on what you will be charged. What is that important to know? Because one of the best things for you is to understand that you have options.

Car insurance companies see risk differently. This means you may find lower car insurance payments with another company. Sometimes you just 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 high risk bad driving record insurance cost?

Depending on your company and the offense that damaged your driving record you could be paying 300% higher rates. That is a scary thought but it is a fact. Make sure you understand what the specifics are that drove up your rate.

You might want to consider ordering your driving history to have for your own records. You may find things that include court judgments, all your speeding tickets, auto accidents, or 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? Whatever the reason you will typically be notified by your state that in order to be reinstated you need an SR-22 policy. Older drivers over the age of 70 are considered high risk and have been labeled bad drivers as a result.

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

Driving Without Car Insurance

One of the main factors that make auto insurance expensive in specific geographic areas is the number of uninsured drivers on the road. It is your responsibility to obtain car insurance. If you are a responsible person with a clean driving record you probably cannot understand why someone would take risks like driving without insurance.

There can be many reasons and excuses people decide to not get insured. Too lazy. Too busy. Don’t want to pay high prices for a crappy car. And the list goes on. Regardless, uninsured motorists are in your town and in your area. If you drive your car without auto insurance you risk paying heavy fines and screwing over a responsible driver.

Car insurance companies consider all drivers operating a vehicle, and then assess the risks involved. The more drivers who operate their vehicle without car insurance the more expensive it is for everyone else. The laws mandates that all drivers carry auto insurance whether you drive a cheap car or an expensive car.

You must keep your vehicle insured. If you have specific questions about uninsured motorist coverage you can see Insurantly’s FAQ page here.

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

We’ve all heard the stories and advice. “Don’t drink and drive”. But unfortunately many good people make one bad decision, get behind the wheel after a few too many drinks, and end up getting arrested for DUI/DWI. This particular decision is the number one reason why there are so many fatal car accidents in the United States. If you are Charged with a DUI/DWI you should seek a DUI lawyer to learn all your options.

Your auto insurance premium just went through the roof

To say that you are going to pay for your mistake is an understatement. Depending on your state of residence, being convicted of DUI/DWI will likely cost you thousands of dollars in fines, and huge increases in auto insurance costs. Drivers report up to and over 40% in many cases.

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

Car Insurance Quotes & Contact Information.

High risk car insurance quote. Three minutes can save you 100’s.

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.
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