Companies Offering High-Risk Car Insurance

Your state insurance department has a list of high-risk car insurance companies in your area. Car insurance rates for high-risk drivers increase by 41% on average.

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UPDATED: May 4, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 4, 2022Fact Checked

Here's what you need to know...

  • You can specifically search for companies who specialize in high-risk or SR22 insurance policies
  • Make sure any companies you consider are licensed to sell insurance in the state where you live
  • High-risk insurance is usually more expensive than traditional insurance policies
  • The categorization of a “high-risk driver” is normally a temporary label for most drivers

Each state has a Department of Insurance website that will provide you with a list of high-risk insurance carriers in your area. These companies specialize in offering insurance to drivers who have been classified as high-risk due to past incidents and behaviors.

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What is high-risk car insurance?

A variety of people fall under the term of high-risk driver.

A simple definition of a high-risk driver is a driver who, when on the road, is a danger to themselves or to other drivers because of the actions they take while they are driving.

High-risk drivers include:

  • Teens
  • Drivers with bad credit
  • Drivers with a DUI or DWI
  • Drivers with a bad driving record
  • Drivers who have made several insurance claims
  • Drivers with multiple points on their license
  • Drivers who have caused more than two accidents in a single year
  • Drivers who purchase and drop insurance policies multiple times a year

So, if you have traffic violations, lack driving experience, or have poor credit, insurance companies may consider you a high-risk driver, thus raise your auto insurance premiums. However, there are a lot of insurance providers who will insure people with bad driving record, and some may even offer cheaper car insurance rates than others.

An insurance company that you have made a claim against may determine that you are a high-risk driver simply because they are the ones that paid your claim.

A prior DUI offense, age, lapses in insurance coverage, and credit score can affect your risk profile and therefore your insurance premiums. Younger, inexperienced drivers with a driving infraction pay the highest auto insurance premium overall.

You may find that you could get lower insurance simply by switching to an auto insurance company that has never had to pay you anything.

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Is high-risk car insurance more expensive than standard car insurance?

In general, auto insurance for those considered to be high risk is more expensive than for those who have good driving records.

The insurance companies look at someone who is high risk and assume that their own costs will rise, so they pass on the rising costs to the consumer.

The good news for high risk drivers is that because there are more companies that specialize in nonstandard auto insurance policies, there is more competition between the different insurance companies.

Competition usually means that the rates offered are more affordable than they were years ago. There are quite a few companies that are able to offer affordable high-risk auto insurance, so it is worth taking the time to search for them.

Some companies may not provide auto insurance coverage to high-risk drivers, and in this case, you can look into two coverage options: nonstandard auto insurance and state-sponsored automobile insurance plans. Unfortunately, both charge higher auto insurance costs compared to regular drivers. You can contact an insurance agent for more information about risk plans.

How long do I have to have high-risk car insurance?

If you are a young driver, usually once you reach the age of 25 you are no longer considered to be high-risk. However, rates start to increase for senior drivers again. Both young and old drivers can benefit from taking a defensive driving course, which may help decrease your risk rating.

If you have had a DUI/DWI or had your license suspended for another reason and you have an SR-22 insurance policy, the high-risk insurance categorization is usually required for three years.

This SR-22 requirement can vary from state to state as well, depending upon how severe the offense was. You can find out what the requirements are for your state by going to the National Association of Insurance Commissioners website.

Where can I purchase car insurance for a high-risk driver?

Where you purchase your high-risk insurance will depend on the reason why you are considered a high-risk driver. For example, a teen driver will find that they can purchase car insurance through just about any insurance company while a driver with multiple DUIs may not be able to buy insurance through any traditional companies.

You will find that every state offers what is called an assigned risk insurance plan.

No one can be turned down for an assigned risk insurance plan; however, get ready to pay for the privilege of purchasing this liability-only insurance. In most cases, you will pay three or four times as much for your assigned risk insurance than you would for a traditional plan.

There are some insurance companies that specifically specialize in high-risk drivers. These companies usually work with drivers with DUI convictions and multiple accidents.

While the insurance costs through a specialized company will be higher than a traditional insurance company, the auto insurance policy should be lower than it is with an assigned risk plan.

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Should I compare high-risk car insurance?

You should always shop around for your car insurance before you make a purchase. Just as with traditional auto insurance companies, high-risk specialists will have differing premiums between companies.

Shopping around is the only way to ensure you can get the lowest rate possible.

You should take advantage of any edge that you can find to ensure that you don’t have to pay more than absolutely necessary for your coverage.

Once a year you should take the time to do a comparison search to ensure that you continue to get the lowest rates. This type of search is easy to do when you use a quote tool and you aren’t under any obligation to make a purchase.

You can get FREE car insurance quotes right now by entering your ZIP code!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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