Are you a high-risk driver with a terrible driving record? Don’t despair, many auto insurance companies offer cheap car insurance to high-risk drivers!
What do you have to do to be labeled a high-risk driver? Anything that suggests you're more likely than the average policyholder to file a claim that will cost your insurer money. That includes crashing your car or getting driving citations like speeding or running a red light. In turn, you'll likely be charged more for car insurance. Our research shows that high risk drivers with multiple accidents on their driving record can pay nearly double for car insurance compared to drivers with clean records.
Some companies better cater to high-risk drivers compared to others. According to our data, Nationwide's rates increase 10% after an accident, whereas American Family's rates increase 18%. Some insurance companies also offer specialized insurance for high-risk drivers.
This article covers what finding cheap car insurance looks like for a high-risk driver, including:
Your auto insurance rates may be high because your insurer considers you a high-risk driver. As far as most insurance companies are concerned, there are three types of drivers. The best drivers are known as "preferred risk." Those with good but imperfect driving records are called "standard risk." The rest are the bad drivers that are tossed into a "high-risk" category.
How do people end up categorized as high-risk drivers? Here are some common examples:
After analyzing several types of violations and car accidents, we determined how much you should expect your rates to increase after a traffic citation or accident. This is what we found:
|Type of accident or violation||Average percent increase|
|One not at-fault accident||3%|
|One speeding ticket||18%|
|One accident with $3,000 in property damage costs||44%|
|One accident with $3,000 in bodily injury costs||55%|
|Two accidents with $3,000 in property damage costs each||81%|
|Two accidents with $3,000 in bodily injury costs each||95%|
|Average rate increases are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. View our methodology here1|
The following explains how your driving record can mark you as a high-risk driver and how that can increase your insurance rates:
Fortunately, that 95% rate increase isn't a guarantee for all drivers. It depends on a few factors, including your specific insurance company.
According to Quadrant rate data, these companies have the lowest rate increases after one accident:
|Insurance company||Rate increase after one accident|
|Average rate increases are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.1|
According to our data, Nationwide offers policies with the smallest rate increase after an accident (10%).
If you're a high-risk driver in the eyes of an insurance company, you need to buy high-risk insurance. Unfortunately, many companies refuse to cover high-risk drivers. You may have experienced this if you've had your coverage cancelled after too many tickets or accidents.
The bad news: high-risk or non-standard car insurance policies are usually more expensive than policies for lower-risk drivers. However, it shouldn't be too hard to track down a company that will sell you this type of auto insurance.
There are many insurance companies that specialize in high-risk or non-standard insurance. They sell policies specifically for drivers who may struggle to get standard coverage. These are the 10 best companies for high-risk insurance:
With their affable military mascot gracing television screens during commercial breaks across the country, The General is perhaps America's best-known high-risk insurance company. And for good reason. The General sells policies to drivers with traffic violations or car accidents on their record, who have not maintained their car insurance or who have poor credit. Regardless of your risk level, the company says you can still find affordable car insurance with them.
Infinity sells four types of insurance: auto, life, business and home. Their car insurance offerings include policies for high-risk drivers. One drawback is the fact that Infinity insurance policies are only available in a few select states.
As a subsidiary of Farmers Insurance, Bristol West sells high-risk insurance policies in most states. With their lengthy history and affiliation with Farmers, you can feel secure knowing that Bristol West has the necessary financial strength. Plus, they offer competitive prices, flexible billing options and quality customer service. .
Safe Auto sells non-standard insurance like SR-22 and minimum coverage policies. Unlike other non-standard companies, Safe Auto policyholders can benefit from several discounts. Their website offers easy quotes and helpful insurance resources.
GEICO has a company branch specifically for high-risk and non-standard drivers called GEICO Casualty. When you purchase a policy through GEICO, they'll automatically assign you to GEICO Casualty if you're high-risk. And since GEICO is known for affordable policies (and their green gecko), they're a great option if you need to save some money.
With nearly 80 years in the business of insuring cars, National General has experience in the field. And that experience includes insuring high-risk and non-standard drivers. Their emphasis on customer service is a plus, especially for high-risk drivers who may not find that luxury with other companies. That includes lifetime repair guarantees, emergency expense allowances and flexible ways to pay.
Take the hint from the name: Acceptance accepts all kinds of drivers. Yes, that includes high-risk drivers with questionable driving records, and more:
Keep in mind that Acceptance only offers auto insurance in 17 states.
Wisconsin's own insurance company has been in the business for over 60 years. Today, they sell several policies, including for drivers who struggle to find coverage elsewhere. One benefit for high-risk drivers is Dairyland's pay-as-you-go option. Plus, Dairyland offers several helpful discounts.
We sampled all ZIP codes in California, New York, Texas, Illinois and Pennsylvania. Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
The driver profile we analyzed owns a 2014 Honda Accord and selects the minimum liability coverage required auto policy. The profile was a 30-year-old single man with a clean driving history. The driver travels 15,000 miles annually in the vehicle.
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