Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

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. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 8, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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.

High Risk Auto Insurance

If you have been classified as a high risk driver you may be wondering which companies offer high risk auto insurance coverage.

If you can’t find car insurance because of lapse in coverage, an at-fault accident, bad credit score, or a DUI, you should be looking for a policy from a nonstandard insurer, i.e high-risk car insurance.

There are a variety of companies available in every state, but the companies themselves vary from state to state.

Nonstandard auto insurance companies sell high-risk insurance to the riskiest drivers who might not be able to find coverage from standard companies.

That is why the best way to find which insurance companies offer high risk auto insurance coverage is to contact your state insurance department. Each state requires some of the licensed insurance companies to take on high risk drivers.

To compare high risk auto insurance quotes online just enter your zip above for free insurance rates!

What makes someone a high risk drivers?

The circumstances causing someone to be classified as a high risk driver are different in each state however, there are some standard reasons why someone would be classified in this category. Not every driver who is classified as high-risk has a bad driving record.

There are two main reasons drivers are classified as high risk that are standard in all 50 states.

This first reason is individuals with more than two guilty pleas, no contests, or convictions for a traffic violation in a one year period. This could be speeding, running a stop sign, following too close, or any other type of moving violation.

The second reason is individuals who have a no contest, guilty plea, or conviction for a DUI, DWI, reckless operation of a vehicle, a hit and run, or an injury resulting from vehicular negligent.

Most states classify you as a high risk driver when you receive your first offense of a DUI or DWI, other states won’t classify you as high risk until your second DUI or DWI. Even if you are not classified as high risk because of a first offense DUI, insurance companies may still reject you with just one offense.

Another reason you may be classified as a high risk driver is because you have had several gaps in your auto insurance coverage. Each gap raises your level of risk. Also, being involved in several accidents over a short period of time, even though all those accidents may not have been your fault, will raise your risk level. People with poor credit scores or a bankruptcy are also considered high risk, even though this has little if anything to do with driving.

Once you are classified as high risk, traditional insurance will not be available to you. Your premium amounts will be significantly higher and many companies will not take you as a customer. Even if you do find a company willing to take you, you may not be able to afford the increase in rates that will result from being classified as a high risk driver.

High-risk car insurance companies will cover drivers who need SR-22 or an FR-44 to demonstrate that they have sufficient coverage after a violation.

Do you need high risk car insurance quotes? Just enter your zip in now!

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

How much does high-risk auto insurance cost?

High-risk drivers will typically pay more than $500 per year which is the average national cost for minimum coverage car insurance. However, car insurance rates for high-risk policies vary widely at every risk level depending on your age, driving history, location, or type of coverage.

Full coverage might cost 50 percent more compared to minimum coverage. Full coverage might include different coverages such as comprehensive coverage, collision coverage, and higher liability limits.

For example, a 25-year old high-risk driver with a clean driving record and good credit would typically pay $665 for minimum car insurance, while a 40-year old driver would pay annual premiums of $565.

High-risk drivers can shop around to find the cheapest car insurance rates.

How does the state program work?

Here is where state programs for high risk drivers come into play. If you cannot find or afford auto insurance because you are a high risk driver, you can go through your state’s high risk driver program. High risk drivers are required to file a form called a SR22. The state insurance department typically contracts with three or four insurance companies in the state to sell insurance policies to those with SR22 forms.

There are three different types of SR22 forms and you can choose the form that best fits your situation:

The first type is an operator’s certificate. This covers you no matter what vehicle you drive and is right for those who do not own their own vehicle.

The second type is an owner’s certificate. This covers you only when you are driving your own vehicle.

The last type is the owner-operator certificate which covers you in all vehicles including your own.

Most state department of insurance websites have a list of companies that offer coverage through the state program. This does not mean that the state is selling insurance or in any way benefiting financially from contracting with these companies. It is a service of the state to help high risk drivers get insurance and eventually lower their risk level.

Most companies involved in the state program will lower your insurance premium costs as you show that you can pay on time, avoid moving violations, and be a responsible driver. This does not mean your insurance will be cheap. Although it will be less expensive than if you were to get insurance on your own, it will still be higher than that of drivers who are not high risk.

The best way to avoid becoming a high risk driver is to be a safe driver. However, if you find yourself in a situation that causes you to become high risk, don’t go without insurance altogether. Go to your state’s department of insurance website or you use our online car insurance comparison tool to find companies that offer high risk insurance. Enter your zip to start now!