Affordable Auto Insurance for High-Risk Drivers (2022)
Auto insurance for high-risk drivers can be as low as $51/month. However, your high-risk auto insurance rates depend on where you live, what company has your policy, and other high-risk factors. Expensive car insurance for high-risk drivers can last at least two years, but severe traffic violations can affect your insurance rates longer. Shop around and compare multiple insurance companies to get affordable high-risk car insurance rates.
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Written by
Imani Francies
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Reviewed by
Daniel Walker
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UPDATED: Feb 16, 2022
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- High-risk drivers are connected to expensive auto insurance rates.
- State Farm is one of the cheapest auto insurance companies for high-risk drivers.
- A lapse in auto insurance coverage could put you in the high-risk pool.
Are you looking for cheap auto insurance for high-risk drivers? Being in the high-risk pool drives up your car insurance rates, but there is a way to slow down expensive rates.
So how do you get affordable auto insurance for bad drivers? Which insurance companies provide coverage for high-risk drivers? Don’t worry – we’re here to help.
Our guide explains where you can find cheap car insurance for high-risk drivers, what factors determine high-risk insurance rates, and how much you’ll pay for high-risk auto insurance.
Continue reading to learn more about auto insurance for high-risk drivers. Enter your ZIP code in the free comparison tool above to see quotes from the best insurance companies in your area.
Table of Contents
Which companies provide cheap auto insurance quotes for high-risk drivers?
Getting affordable car insurance for high-risk drivers is challenging. Your choices may be limited if you are a high-risk driver. In some cases, you may not be able to get an auto insurance policy through the voluntary market.
If you can get a policy, here are the best high-risk insurance companies that could accept your car insurance policy request.
| Company | Monthly Rates |
|---|---|
| The General | $363 |
| GEICO | $206 |
| State Farm | $292 |
| Allstate | $429 |
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We included the average monthly rate to give you an idea of how expensive high-risk auto insurance rates can look. But these rates are only estimates, so your car insurance rates could be cheaper.
Are there other insurance companies that cover high-risk auto insurance?
Yes, they are. Dairyland, Safe Auto, and Direct Auto are three auto insurance companies that provide affordable high-risk car insurance.
Some of the smaller non-standard auto insurance companies have private insurance rates. And these companies are likely to accept your car insurance policy request.
What is high-risk insurance called?
High-risk car insurance is often called non-standard car insurance. An example of non-standard auto insurance would be non-owners auto insurance. A non-owners car insurance policy provides coverage on a vehicle that the policyholder does not own.
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What factors determine high-risk auto insurance rates?
Two types of characteristics affect high-risk car insurance, and they are known as driving and non-driving factors. Let’s get a closer look at the specifics.
| Driving Factors | Non-Driving Factors |
|---|---|
| At-fault claims | Bad credit |
| Speeding tickets | Age |
| Reckless driving | Location |
| Racing | Gaps in coverage |
| DUI | Vehicle use |
| Vehicle type | |
| License points | |
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Driving factors have the most impact on your auto insurance policy. Age, location, and insurance history are also significant factors when determining car insurance rates.
How does age make me an at-risk driver?
Age correlates to driving experience and overall risk. Teens and young adults usually take more risks while driving. Therefore, they’re connected to higher chances of filing car insurance claims.
Auto insurance companies anticipate this risk and issue higher than average insurance rates to offset risk.
Why is my first auto insurance policy so expensive?
Auto insurance companies may charge you expensive rates if you have never had insurance before. Think of your car insurance history as credit history, except it is with insurance. You have to build a good insurance history before you start seeing cheaper rates.
How much is auto insurance based on high-risk factors?
Now that you have seen high-risk factors, let’s see how some of these factors affect car insurance rates on average.
| Summary | Monthly Rates |
|---|---|
| Auto Insurance Rates for 15 Miles or More | $125 |
| Auto Insurance Rates for Drivers in their 20s | $135 |
| Auto Insurance Rates for Business Commuting | $138 |
| Auto Insurance Rates for Luxury Cars | $176 |
| Auto Insurance Rates for Sedans | $188 |
| Auto Insurance Rates for Reckless Driving | $196 |
| Auto Insurance Rates for Racing | $203 |
| Auto Insurance Rates for Bad Credit | $237 |
| Auto Insurance Rates for Speeding Tickets | $306 |
| Auto Insurance Rates for At-Fault Accidents | $342 |
| Auto Insurance Rates for DUI Convictions | $410 |
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As expected, the high-risk driving factors produce more expensive rates than non-driving factors. Any traffic violation or accident can remain on your driving record for at least two years (depending on where you live).
How long does my high-risk status last?
Auto insurance companies may see you as a high-risk driver for three years or longer. You will pay more expensive rates as long as you have traffic violations or accidents on your driving record.
Does high-risk auto insurance vary by state?
Yes, it does. As you compare car insurance, you will notice that some states in America have more affordable auto insurance rates, even for high-risk drivers.
Let’s examine another example of how high-risk car insurance varies for each state.
| States | Most Affordable High-Risk Auto Insurance Companies | Monthly High-Risk Insurance Rates |
|---|---|---|
| Alabama | Allstate | $91 |
| Alaska | State Farm | $89 |
| Arizona | American Family | $98 |
| Arkansas | Southern Farm Bureau | $83 |
| California | Esurance | $156 |
| Colorado | State Farm | $107 |
| Connecticut | State Farm | $120 |
| Delaware | State Farm | $116 |
| District of Columbia | Erie | $87 |
| Florida | State Farm | $172 |
| Georgia | State Farm | $132 |
| Hawaii | State Farm | $78 |
| Idaho | State Farm | $51 |
| Illinois | State Farm | $89 |
| Indiana | Erie | $62 |
| Iowa | State Farm | $57 |
| Kansas | American Family | $74 |
| Kentucky | State Farm | $80 |
| Louisiana | Southern Farm Bureau | $166 |
| Maine | State Farm | $57 |
| Maryland | Erie | $145 |
| Massachusetts | GEICO | $96 |
| Michigan | Nationwide | $334 |
| Minnesota | American Family | $88 |
| Mississippi | Travelers | $95 |
| Missouri | State Farm | $84 |
| Montana | State Farm | $69 |
| Nebraska | State Farm | $72 |
| Nevada | State Farm | $152 |
| New Hampshire | Concord Group | $68 |
| New Jersey | GEICO | $126 |
| New Mexico | State Farm | $93 |
| New York | Erie | $225 |
| North Carolina | Nationwide | $115 |
| North Dakota | American Family | $50 |
| Ohio | American Family | $58 |
| Oklahoma | State Farm | $98 |
| Oregon | State Farm | $63 |
| Pennsylvania | State Farm | $77 |
| Rhode Island | State Farm | $96 |
| South Carolina | State Farm | $98 |
| South Dakota | State Farm | $63 |
| Tennessee | State Farm | $77 |
| Texas | Farmers | $96 |
| Utah | GEICO | $98 |
| Vermont | State Farm | $67 |
| Virginia | Progressive | $62 |
| Washington | State Farm | $89 |
| West Virginia | Erie | $72 |
| Wisconsin | American Family | $66 |
| Wyoming | State Farm | $68 |
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State Farm is the cheapest company overall based on our research. Some states even have high-risk car insurance averages that are much lower than the projected rates in the previous sections.
But these auto insurance rates are average estimates that will likely change for each driver who gets an insurance quote. Shop around until you can get the car insurance rates you need.
Can I save money on auto insurance as a high-risk driver?
Yes, you can. Your high-risk driving status does not disqualify you for discounts. Ask your insurance company about any available deals.
You can get at least 15% off for safety and anti-theft features on your car. Also, consider taking a defensive driver course, so you can save a little more on auto insurance per month.
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How do I reduce my high-risk profile?
It depends on your high-risk factors. For example, car insurance rates will get cheaper as you get older. And drivers with a gap in coverage or no insurance history can improve their risk profile by maintaining an auto insurance policy.
You can even reduce your risk profile by purchasing a safer or bigger vehicle.
But the best way to lower your risk is to keep a good driving record. Minimize traffic violations and accidents, and you will keep your license points and improve your driving record in no time.
How do you get auto insurance if companies won’t cover you?
Sometimes the best insurance for bad driving records is not found voluntarily. When you cannot find a car insurance company that accepts your policy request, go to your local DMV (or BMV) and ask them to help you get insured.
SR-22 certification may be required, especially if you have a suspended license due to a DUI conviction, too many accidents, or other traffic infractions.
Since car insurance is mandatory in most states, the DMV can get you a policy. However, auto insurance rates may be higher than you expect.
Auto Insurance for High-Risk Drivers: The Bottom Line
Car insurance for high-risk drivers costs more than average. Although it is difficult to secure cheap insurance for bad drivers, you can get affordable auto insurance.
The best place to look for affordable auto insurance for high-risk drivers is in your area. Use our free online quote tool to compare multiple insurance companies near you.
Frequently Asked Questions: Auto Insurance for High-Drivers
Do you have more questions related to car insurance for high-risk drivers? Read these answers to frequently asked questions to learn more about high-risk drivers.
#1 — Who is considered high risk for auto insurance?
Drivers who have multiple tickets, accidents, and serious traffic infractions (like DUI and reckless driving) are considered high risk.
#2 — Is gender a high-risk factor in auto insurance?
No, it isn’t. Although men usually file more car insurance claims, insurance companies don’t use gender as a high-risk factor.
#3 — Do I need SR-22 to restore my driver’s license?
If the court requires you to get an SR-22 certification, you’ll need it to get your driving privileges back.