Finding car insurance as a high-risk driver can feel like an uphill battle. Premiums are higher, options are limited, and it’s easy to feel stuck. But don’t worry—there are companies out there that specialize in helping high-risk drivers get back on the road with coverage they can afford.
This guide will walk you through everything you need to know about car insurance for high-risk drivers, the top companies that cater to them, and tips to save money along the way.
Who Is Considered a High-Risk Driver?
A high-risk driver is someone that insurance companies see as more likely to file a claim. This doesn’t mean you’re a bad person—it just means you fall into a category where the chances of an accident, claim, or other issues are statistically higher.
You might be considered high-risk if:
- You’ve had multiple traffic violations or accidents.
- You have a DUI or reckless driving conviction.
- You’re a new driver with little to no experience.
- Your credit score is low.
- You’ve let your previous insurance lapse.
While being labeled high-risk can feel discouraging, it’s important to know that it’s not permanent. With the right approach, you can improve your record and eventually qualify for better rates.
Why Do High-Risk Drivers Pay Higher Premiums?
Insurance premiums are all about risk. If a company thinks you’re more likely to file a claim, they’ll charge more to cover that risk. For high-risk drivers, the following factors often lead to higher premiums:
- Past accidents or claims.
- Serious offenses like DUIs.
- Lack of driving history, which makes predicting risk harder.
While the rates may be higher initially, shopping around for the right insurer can make a big difference.
Top Car Insurance Companies for High-Risk Drivers
Here are some of the best car insurance companies that cater to high-risk drivers:
1. Progressive
Progressive is known for offering competitive rates to high-risk drivers. Their Name Your Price® Tool lets you choose a premium that fits your budget, and they have a strong reputation for helping drivers with poor records.
Why Choose Progressive?
- Flexible coverage options.
- Discounts for enrolling in their Snapshot® program (a usage-based insurance program).
- Good support for drivers with DUIs or accidents.
2. GEICO
GEICO is often the go-to for affordable insurance, even for high-risk drivers. Their online tools make it easy to get a quick quote and compare coverage options.
Why Choose GEICO?
- Affordable rates compared to competitors.
- Discounts for defensive driving courses.
- Nationwide availability and strong customer support.
3. The General
The General specializes in insuring high-risk drivers. They’re known for accepting drivers who might struggle to get coverage elsewhere.
Why Choose The General?
- No need for a perfect driving record.
- Flexible payment options.
- Quick and easy online quotes.
4. State Farm
While State Farm is often associated with standard coverage, they also work with high-risk drivers. Their Drive Safe & Save™ program offers discounts for good driving behavior.
Why Choose State Farm?
- Local agents for personalized service.
- Discounts for safe driving programs.
- A solid reputation for reliability.
5. Allstate
Allstate provides coverage tailored to high-risk drivers, including those with DUIs or at-fault accidents. Their Accident Forgiveness feature can help you avoid premium increases after your first accident.
Why Choose Allstate?
- Comprehensive coverage options.
- Accident forgiveness program.
- Discounts for bundling multiple policies.
6. Dairyland Insurance
Dairyland focuses on high-risk drivers and offers SR-22 filings for those who need them. They’re especially good for drivers with suspended licenses or DUIs.
Why Choose Dairyland?
- Flexible payment plans.
- SR-22 filings included.
- Specialized in high-risk coverage.
How to Choose the Right Insurance Company
When comparing insurers, keep these factors in mind:
- Coverage Options: Make sure the company offers what you need (e.g., liability, comprehensive, collision).
- Discounts: Look for programs that reward good driving, safe habits, or bundling policies.
- Reputation: Read reviews to understand how the company treats high-risk drivers.
- SR-22 Filings: If required, choose a company that offers this service.
Tips to Lower Your Insurance Premiums as a High-Risk Driver
- Take a Defensive Driving Course
Many insurers offer discounts for completing a certified defensive driving program. - Bundle Your Policies
If you need home or renters insurance, consider bundling it with your car insurance for a discount. - Improve Your Driving Record
Avoid accidents, tickets, and claims to show insurers you’re becoming a lower risk. - Use Usage-Based Insurance Programs
Programs like Progressive’s Snapshot® or State Farm’s Drive Safe & Save™ reward good driving habits with lower rates. - Shop Around
Don’t settle for the first quote. Compare offers from multiple companies to find the best deal.
FAQs About High-Risk Car Insurance
Q: How long will I be considered a high-risk driver?
A: Most insurance companies review your record every 3-5 years. If you maintain a clean driving history, your rates can improve over time.
Q: Can high-risk drivers get full coverage?
A: Yes, high-risk drivers can still get full coverage, though it may cost more than liability-only policies.
Q: What is SR-22 insurance?
A: SR-22 is a certificate that proves you carry the required minimum liability coverage. It’s often needed after serious offenses like DUIs.
Final Thoughts
Being labeled as a high-risk driver isn’t the end of the road. With the right insurance company and a commitment to improving your driving habits, you can find affordable coverage and work toward lower rates in the future.
Start by exploring companies like Progressive, GEICO, and The General, which specialize in high-risk policies. Compare quotes, take advantage of discounts, and stay focused on becoming a safer driver.
Your journey to affordable car insurance begins today—don’t wait to take the first step!