Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 (BBB A+). 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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 11, 2020

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Things to Remember...

  • It is always a good idea to compare high risk car insurance quotes from companies that will cover you to see if you can find the best deal
  • The main types of people who are automatically considered high-risk drivers are teens and the elderly
  • Young adults and middle-aged people can also get placed into a high-risk category
  • Some companies specialize in providing coverage for drivers who have trouble obtaining policies
  • It is always a good idea to compare high-risk auto insurance quotes from a handful of good companies

Because insurers that offer high risk auto insurance coverage take more risk, they also tend to charge quite a bit more than they do for low-risk or standard-risk drivers. In fact, some companies will not even offer to cover high-risk drivers at all. Good drivers can expect to pay around $118/month on average, while high-risk drivers can expect to pay around 25% more for auto insurance.

So, can you still find cheap high risk car insurance rates? Yes. Read this guide to find the best high risk auto insurance policy for your needs, and at the best price.

Of course, it is always a good idea to compare high risk car insurance quotes from companies that will cover you to see if you can find the best deal. Enter your ZIP code into the FREE quote tool above now!

Teens And Seniors Might Be Considered High-Risk Drivers

Some groups of people are generally considered risky by most insurers. This is true if they are very good and careful drivers or not.

The main examples of people who are automatically considered high-risk drivers are teens and the elderly. This generally includes teenagers and young adult drivers under 25 and senior citizens over age 65 or 70.

This is not because of anything that the individual has done, but it is just because insurer statistics demonstrate that very young and very old drivers tend to make more claims than people in other age groups.

Why are senior citizens and younger drivers considered high-risk? Teenagers and young adults are inexperienced drivers, and they may be impulsive. Senior citizens might have decades of driving experience, but they may have slower reflexes and poorer hearing and eyesight.

Many people contend that younger drivers have the ability to operate cars well because they tend to have good eyesight and fast reflexes. Similarly, older drivers may have years of experience to compensate for slower reflexes.

Typically, older drivers are also more cautious and avoid driving in poor weather conditions. There is nothing inherently wrong with teens or seniors that make them worse drivers, but insurers keep a lot of statistics about which groups of people tend to make more claims.

If you fall into one of these two risky age groups, you still can take steps to find cheap high risk car insurance.

Driving without any tickets or accidents will certainly help as will taking defensive driving classes periodically. Students may be able to earn a discount by maintaining good grades.

Even though younger drivers tend to have more accidents, insurers believe that good students tend to be less risky to cover than marginal students.

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Other Reasons Insurers Consider People Risky To Insure

Of course, young adults and middle-aged people can also get placed into a high-risk category. In fact, insurers place more people into this more costly category than they did even 10 years ago.

You might find out that you have been labeled as risky because your auto premium gets increased a lot at renewal time.

However, there are some common situations that will usually cause insurers to reclassify you.

  • License suspensions or revocations
  • Needing an SR-22 policy for license reinstatement
  • Having a DUI or DWI on your record
  • Multiple accidents or tickets, especially within a short time period
  • Some disabilities

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What is an SR-22?

They might be required if you were caught driving without insurance, especially if you were involved in an auto accident without coverage.

Requirements vary by individual state, but you may have to keep filing one for 3 years after the incident.

Some states handle the problem of high-risk auto insurance by establishing a high-risk pool for their residents. This might offer a solution for very high-risk drivers who cannot get insured by a private company.

On the other hand, patrons of these pools cannot compare high-risk auto insurance quotes from a variety of companies. Finding affordable high risk car insurance quotes is possible if you are willing to do your research.

Will All Insurers Cover High-Risk Drivers?

What is the cheapest high risk auto insurance? Insurers do not have to cover high-risk drivers, and some will pass, so the best insurance company for high risk drivers depends on many factors. On the other hand, some companies specialize in providing coverage for drivers who have trouble obtaining policies.

Insurers might also pick and choose which high risk drivers they will insure.

For example, some companies will offer to cover teen drivers if parents also have a policy. They might even offer discounts for family policies.

After all, they do not want to lose the business of the whole family, and they know that young drivers will grow up, mature, and purchase their own coverage some day.

Similarly, some companies will offer to cover elderly drivers if the individual has an established history with that company and does not have an unusual number of accidents.

They may not be eager to solicit the business of new customers over 70 years old though.

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List of High Risk Auto Insurance Companies

Here is a list of some of the best high risk auto insurance companies:

  1. Acceptance Insurance
  2. Alfa Insurance
  3. Alliance United Insurance Company
  4. Allstate
  5. American Access Casualty Company
  6. Bristol West
  7. Dairyland
  8. Direct Auto & Life Insurance Company (Direct General)
  9. Geico
  10. National General Insurance Company (Integon)
  11. Progressive
  12. Safe Auto Insurance Company
  13. State Farm
  14. The General Auto Insurance
  15. Titan
  16. West Bend Mutual Insurance Company

If you need auto insurance that doesn’t check driving records or car insurance companies that only look back three years then be sure to start with this list of the cheapest high risk car insurance providers. Even Geico high risk car insurance or Progressive high risk car insurance might be an option to consider. Be sure to shop around to find the best high risk car insurance company for your personal situation.

Find High Risk Auto Insurance Quotes

Of course, the longer that you can go without having an accident or ticket, the more chance you have to get your rates reduced again. The good news is that most people can earn a better risk classification over time.

Insurers are not all the same when it comes to providing coverage for risky drivers. Some companies are much friendlier to different types of drivers than others.

It is always a good idea to compare high-risk auto insurance quotes from a handful of good companies. Even a small difference in your monthly premium might add up to hundreds of dollars in savings over the course of a year.

Save easily with our FREE comparison quote tool located at the top of this page!

  • Being a high-risk driver means you need to pay more attention to the car you are driving
  • Talk to your agent about what types of vehicles will be best in reducing that money flowing out of your pocket
  • The longer you can go without an accident or traffic ticket the better off you will be to ditching that high-risk auto insurance
  • Look into public transportation or carpooling to save on auto insurance

Compare high risk auto insurance rates online from competing insurance companies. Simply enter your zip code in on this page to get started right now!

What you drive, how you drive, and even if you drive are all things to think about. A lot of the things which may make your insurance premiums higher are ones that you have the power to change.

There are a few tips to help you avoid losing your life savings to high-risk premiums.

3 Tips That Make Cheap High Risk Auto Insurance Possible

There are plenty of things that can affect your auto insurance rates; driver type, gender, and credit history all have their own effects, but your driving record has the greatest impact. If you’ve received a few speeding tickets or caused a couple fender benders, then you may be expecting to pay a fortune for your car insurance. While some high-risk drivers pay insurance rates that would make most people cringe, thankfully, there are ways to help you from being one of them.

  • If you’ve been involved accidents or have points on your driving record, you may be considered a high-risk driver
  • Being under the age of 25 can also put you in a high-risk driver category
  • High-risk drivers will have to fill out an SR-22 when they buy car insurance

Although having several blemishes on your driving record may result in a high-risk driver classification, you can earn the title even if you haven’t been involved in any traffic incidents.

Fortunately, if you drive a cheap car, work on your driving record and shop around for the best deal possible, buying high-risk auto insurance doesn’t mean you have to break the bank!

Enter your ZIP code above to use our FREE search tool and find auto insurance to fit your budget!

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Time for the Station Wagon

Being a high-risk driver means you need to pay more attention to the car you are driving. It might be well within your financial means to purchase that two-seater roadster, but how will your high-risk auto insurance like that ride?

Trading in sports cars for vehicles like station wagons can be the biggest factor in cutting those auto insurance rates.

If you happen to move into this category, talk to your agent about what types of vehicles will be best in reducing that money flowing out of your pocket. Keep in mind that older sedans and wagons are some of the cheapest vehicles you can insure.

This does not mean you have to keep that shaggin’-wagon for years and years. Trading in for a more practical car is just a means to reduce your rates while you are labeled a high risk.

Once you leave the high-risk category, you are free to reassess trading in that grocery getter for the wind in your hair convertible.

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Time to Learn Safe Driving

The longer you can go without an accident or traffic ticket the better off you will be to ditching that high-risk auto insurance.

This means you now have to learn how to become a safe driver. This is a double whammy though, as normal auto insurance rates will be lighter with your safer driving skills.

There are a few easy ways to turn your driving into the safe driver category. There are classes available for handling road rage, defensive driving, general driving tips, and much more.

Instead of cutting people off on the road, be courteous. The less stressed, or angered, you are on the road the better your chances are of arriving at your destination incident free.

Quit Driving

There is no cheaper auto insurance than no auto insurance. Living in a city with great public transportation systems make it easy for you to give up that car until the dust settles on that high-risk title. You might even find you really don’t need a car to handle your daily activities.

If you don’t live somewhere with public transportation, cutting your time behind the wheel can play a big role in reducing your auto insurance premiums.

Find a friend to carpool to work with, let the significant other do all the driving, or get a bicycle to get around. The key here is that fewer miles equal dollars in your pocket.

It will take some time to drop that high-risk driver title you might be carrying around. This does not mean you need to pay out of this world auto insurance premium.

After a few years or good behavior, you will be out of the high-risk category and on your way to even better auto insurance rates.

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Save Money on Your Auto Insurance!

It may be too late for you to avoid falling into a high-risk category with your auto insurance company. It would be worth your time to shop around and check out which companies are best for high-risk drivers.

If so, enter your zip code in on this page to get started comparing free auto insurance rates and see if you might not be able to save a bunch of money!

What is a High-Risk Driver?

Simply put, high-risk drivers are people who insurance companies believe are more likely to cost them money than their average customer. Typically, a driver becomes classified as high-risk if they’ve been caught breaking several traffic laws or have caused an accident or two.

For example, a person could be considered a high-risk driver because they’ve received several speeding tickets, and therefore, statistically speaking they’re more likely to cause an accident.

Even if you’ve been a safe driver for the most part, however, an insurance provider could consider you high-risk. For example, drivers who are under the age of 25 or who do not have much driving experience could be considered a high risk to insure.

Depending on their driving record and circumstances, seniors over the age of 70 are also more likely to be labeled as high-risk drivers.

If you’re a good driver but have a bad credit rating, insurance providers may be reluctant to insure you. Companies need to feel confident that a customer will pay their premiums on time, or, they will charge them more.

In particular, drivers who’ve had their insurance canceled in the past due to non-payment could have difficulties finding insurance.

Other incidents on your credit rating, such as a foreclosed mortgage, could also mean you’re classified as a high-risk driver.

If you live in a neighborhood that has a very high crime rate and automobile theft is extremely common, then you could be a high-risk person to insure.

Additionally, if you drive an extremely valuable and fast car, which is more likely to be stolen or get in an accident, finding standard insurance for it could be a difficult task.

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SR-22 Auto Insurance Coverage

High-risk drivers who have a conviction for a more serious offense such as driving under the influence may have to file an SR-22 form when they buy car insurance.

An SR-22 is a guarantee from an insurance company that the driver is insured and will continue to be for a certain amount of time. People who have had their license suspended or revoked for any reason may also need to file an SR-22.

Typically, an SR-22 is filed with whatever department is in charge of monitoring drivers and car insurance in a respective state. For example, in the State of Colorado, the Department of Revenue: Division of Motor Vehicles, oversees SR-22 filings.

In the State of Washington, the Department of Licensing issues SR-22s. If a driver fails to keep their SR-22 current, the insurance provider is required by law to notify authorities, and their license will be suspended. Finding suspended license auto insurance can be challenging.

Although most states have regulations in place regarding an SR-22, Oklahoma, Kentucky, and New York are some of the jurisdictions that do not require them. If you’re not sure whether you may need to file one, contact an insurance provider or your state government.

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Non-Standard Insurance

Drivers who are classified as high-risk may be unable to buy car insurance at the standard rates that are offered most people. As a result, they will have to buy high-risk car insurance, or what most providers call non-standard insurance to get their car insured.

Depending on the company, they may or may not offer non-standard or high-risk car insurance. Although many of the major insurance providers do not, some offer several tiers of coverage, including standard, preferred, and non-standard. There are also many companies that specialize in the high-risk car insurance market.

Unlike standard insurance, high-risk driver policies have a much more flexible qualifying process in terms of a person’s driving record and credit rating.

In fact, many state governments administer non-standard insurance programs so that high-risk drivers can get coverage for their cars.

For example, in Indiana, the Department of Insurance oversees an auto insurance plan, which requires all providers to insure their fair share of high-risk drivers. In other states, like Connecticut, the Insurance Department provides a list of non-standard insurance providers.

In other words, if you’ve been classified as a high-risk driver and are worried about getting insurance, don’t be. As long as you’re legally allowed to drive, you’ll be able to find insurance for your car.

While finding high-risk insurance premiums that are lower than standard rates may be a challenge, thankfully there are several ways to save some big money on your coverage!

Drive a Cheap Car

One of the most practical ways to lower your insurance rates, standard or non-standard, is to drive a cheap car. The more expensive a car is the more money it will cost an insurance provider to fix it if you cause an accident. In order to cover the potential costs to them, insurance companies must charge you more for your insurance.

Flashy and luxurious cars are also far more likely to be stolen or broken into than less valuable cars. As a result, they are more likely to cause an insurance claim than a less expensive vehicle.

In addition, many high-priced automobiles like sports cars are extremely fast and more likely to be driven at dangerous speeds.

If you’re already considered a high-risk driver, then insurance companies are going to charge much more if you’re driving a car they believe is more likely to be involved in an accident.

If you choose to drive an older and less expensive car, then you may also not need as much insurance coverage. For example, if the car has little value, then you may want to consider not carrying collision insurance for it.

Collision pays for the damages your car receives in an accident you cause. In other words, depending on the circumstances, having extensive insurance for the car may be more costly than paying for the repairs yourself.

Als0, comprehensive insurance may be unnecessary for an older car. Comprehensive insurance pays for the damages that don’t occur from a car accident, like a hailstorm, fire, or an act of vandalism.

Work on Your Driving Record

Another effective way to save money on your high-risk auto insurance is to improve your driving record. Although you may be classified as a high-risk driver now, you can gradually improve your driving record and lower your insurance rates.

This can be accomplished by not only driving safely and avoiding any kind of traffic violation but also by making sure that any outstanding fees or tickets you’ve received are paid.

Once this is done, contact your state government and find out what their rules in terms of clearing less serious violations from a person’s driving record.

If you haven’t already, you can dramatically improve your profile by completing driving lessons. Insurance providers offer lower rates to people who can demonstrate that they have worked on improving their driving skills.

Even if you’re a more experienced driver, there are driving lessons that are specifically designed for older motorists who want to update their driving skills and knowledge. You can find driving lessons in your region online by referring to websites like U.S. Driving Lessons.

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Shop Around

One of the best ways to find cheap high-risk auto insurance is by shopping around and comparing rates. While it may take a little time to find out who is offering non-standard insurance, you could save some serious money by not settling on the first policy that comes your way.

Thankfully, getting car insurance quotes is easier than before since many websites specialize in finding and comparing rates for consumers. Typically, you will have to provide some general information about yourself in order to get a quote.

Some of the questions you could be asked include the make and model of your car, where you live, and your social security number. High-risk insurance providers need your social security number so that they can access your driving record and credit rating.

Once you have several different insurance quotes, don’t be afraid to contact the providers themselves to see if they will match the lowest one. The market for non-standard-insurance is growing, and just like any other industry, companies will match the prices of their competitors to attract more business.

Enter your ZIP code below and start comparing affordable car insurance quotes now!

4 Auto Insurance High-Risk Factors that Make Rates Rise

If you know someone who’s had few car accidents, or who’s received several speeding tickets, then you probably know that their insurance rates are taking a bite out of their bank account. If insurance providers have declared you high-risk, then there are several things you should watch out for to keep your rates manageable.

  • Auto accidents and speeding tickets can increase your insurance premiums
  • If labeled a high-risk driver or different driver type, you might have a hard time finding affordable insurance
  • Driving an expensive car, a poor driving record, and being convicted of a crime can significantly increase your insurance rates

While no one wants to be declared a high-risk driver and pay higher car insurance rates as a result, thankfully, by addressing several factors, your premiums won’t get out of hand. Here are four things in particular, which could make your insurances rates

Here are four things in particular, which could make your insurances rates increase significantly: including driving an expensive car, a bad driving record, getting convicted of a crime and damaging your credit rating.

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High-Risk Insurance

If an insurance company decides that a driver is likely to file several claims and cost them money, then they may classify that person as a high-risk driver. Typically, once someone has been labeled as such, they will have a tough time finding a company that will offer them standard rates for their car.

In other words, if you’ve caused an accident or two and have demonstrated you’re not a safe driver, then a company may classify you as a high-risk driver and not insure your car anymore.

In order to get their car insured, most high-risk drivers will have to purchase high-risk car insurance, or what’s often referred to in the industry as non-standard insurance.

Some major providers offer various tiers of car insurance, which can include preferred, standard, and non-standard. However, many insurance companies do not, and as a result, many companies specialize in offering high-risk car insurance.

Finding companies that offer non-standard insurance may also depend on the state in which you live. For example, in some states like Indiana, the government mandates that each provider insures a specific number of high-risk drivers. In other states, the government oversees its own high-risk insurance program. The eligibility for these programs can vary.

In other states, the government oversees its own high-risk insurance program. The eligibility for these programs can vary.

For example, in Texas, two insurance companies must turn down a high-risk driver before they can apply for the Texas Automobile Insurance Plan Association. Since it’s illegal to drive without car insurance in virtually every state, these government programs make sure every motorist is protected from what could be thousands of dollars in damages.

Driving an Expensive Car

If you’re a high-risk driver and decide to drive an expensive car, then be prepared for your insurance rates to increase. The more valuable a car is, the more it will cost an insurance company to repair it. Because insurance providers already believe high-risk drivers are more likely to cause an accident, they will charge them much more.

Insurance providers already believe high-risk drivers are more likely to cause an accident, so they will charge you more to insure your pricey car as a way to offset any potential costs.

In addition, many expensive cars are extremely fast, and as a result, they’re far more likely to be driven at speeds that are unsafe. Although some high-risk drivers may be doing their best to drive responsibly, having a high-performance sports car isn’t the best way to reassure a provider that you’re going to drive safe.

Criminals are also more interested in stealing luxurious cars or breaking into them to take their stereo and other valuables. As a result, you’re more likely to file a claim than if you drove something cheaper. Since most high-risk drivers have already filed several insurance claims, the last thing your budget needs is to file several more.

It’s more practical to drive a cheap car. Not only do they cost less to repair, but also they’re not as much of a target for automobile thieves. In addition, if you have a cheaper car, you may not need to take out as much insurance.

For example, if the car is old, then you may not need collision coverage for it. Collision insurance pays for the damages to your car in an accident you cause.

If the car isn’t worth much, then you may also decide that you don’t need to buy comprehensive insurance for it either. Comprehensive insurance pays for damages that occur from acts of nature and non-motorists. For example, if your car is damaged in a hailstorm, comprehensive insurance will pay for the repairs.

Bad Driving Record & Auto Insurance Rates

Another high-risk factor that will cause your premiums to rise is if you add to a poor driving record. Most high-risk drivers pay higher insurance rates because they already have been involved in a few accidents or have received several traffic tickets. Finding cheap bad driving record car insurance is not impossible, but it will take some work.

This risky behavior shows an insurance provider that they could cost them a lot of money. If you cause yet another car accident or continue to rack up speeding tickets, it will only make you a less desirable customer and your rates will rise accordingly.

On the other hand, if you demonstrate over time that you are driving more safely, then a provider is more likely to drop your insurance rates.

Another way to show insurance companies that you’re working on your driving skills and improve your record is to take driving lessons. Even if you have in the past, some organizations offer driving lessons, which are tailored towards mature and senior drivers.

Having a Criminal Record & Auto Insurance Rates

A surefire way to spike your car insurance rates or possibly lose your coverage altogether is to commit a serious driving offense when you’re already a high-risk driver. People who are convicted of driving under the influence or driving recklessly will likely see their premiums soar with more expensive criminal record car insurance rates.

In many states, people are who are convicted of a driving-related crime are required to file an SR-22 form with local authorities.

An SR-22 is proof that a high-risk driver has the required amount of insurance for their vehicle. If you’re required to file an SR-22 and fail to keep it current, an insurance company will inform authorities that you have failed to do so and your license will be revoked. You can shop and compare SR-22 car insurance rates online.

You can find out more about how a criminal record may affect your car insurance, and whether you may require an SR-22 by contacting your state government. For example, in Indiana, the Bureau of Motor Vehicles provides information regarding proof of insurance.

Damaging Your Credit Rating

High-risk drivers should also make sure that they pay their bills on time and avoid doing anything that could damage their credit rating.

If your credit rating takes a hit because you’re consistently late paying your car insurance premiums, then a provider will see you as an even greater risk to insure and will charge you more.

Compare Cheap High Risk Auto Insurance Providers

At the end of the day, one of the best ways to keep the lid on your non-standard insurance rates is to shop around and compare high risk insurance providers.

Depending on where you live, there are likely plenty of options out there for your car, and by taking the time to find the cheapest rates; you could save some serious money.

One of the quickest and most convenient ways to do this is to use a website that specializes in comparing auto insurance rates. Once you’ve answered a few general questions, the site will locate several great quotes for you to review. No commitment is required, and the quotes are free!

Find affordable car insurance now by entering your ZIP code into the FREE box found below!

Does cheap auto insurance for high-risk drivers exist?

While it may be true that drivers who have a damaged driving history pay higher insurance premiums typically, it is still possible for such drivers to find competitive auto insurance rates.

Doing so requires quite a bit of comparison shopping, but the savings definitely make this worthwhile. Use our FREE auto insurance comparison tool to compare rates right now by entering your ZIP code above!

  • Auto insurance rates vary significantly from one carrier to the next
  • Drivers with a history of problems on the road may have trouble finding affordable insurance coverage
  • Rates can change depending on what driver type you are
  • At a minimum, the high-risk driver shopping for car insurance should obtain three quotes

How Insurance Rates Are Determined

Auto insurance rates vary significantly from one carrier to the next. These rates may be based on a number of factors that have nothing to do with the driver’s personal driving record.

Some insurance carriers simply charge more because they have a smaller market share or provide more individualized customer service.

Still, a driver’s record can affect their insurance rates. Drivers with a history of problems on the road may have trouble finding affordable insurance coverage. Some of these driving problems may be:

Some of these driving problems may be:

  • A DUI or DWI
  • Multiple moving violations
  • History of suspended or revoked drivers license
  • Multiple at-fault accidents

Having any one or more of these incidents on a driving record can make getting inexpensive car insurance tricky. In fact, some insurance carriers may not even be willing to provide coverage to drivers they consider high risk.

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Specialty Car Insurance Carriers

Other insurance companies actually specialize in providing coverage to drivers that other companies consider too high of a risk. These companies may charge higher premiums, but they also provide comprehensive and necessary protection.

The rates offered by car insurance companies that specialize in protecting high-risk drivers are likely to show a high degree of variance. Consumers should never assume that the first quote they receive is the best or only one for which they are eligible.

Comparison Shopping

At a minimum, the high-risk driver shopping for car insurance should obtain three quotes. Each quote should be evaluated on an even basis. When comparing cheap auto insurance quotes for high-risk drivers consider the following questions:

  • What is the monthly premium?
  • How much is the deductible?
  • What kind of coverage is offered?
  • Are there discounts for having multiple policies?
  • Are the premium rates likely to change throughout the life of the policy?

A good insurance policy for high-risk drivers will be furnished by an agent who can appreciate the driver’s ability to improve their driving record.

As tickets and other infractions fall off of the driver’s record this improvement should be reflected in the price of the insurance premiums. If the current policy does not allow for such changes, then it may be time to shop for new cheap auto insurance online.

As the driver’s record improves they may be able to move to another insurance company that does not specialize in high-risk drivers, resulting in significant savings year after year.

Other High-Risk Drivers

Some people may find that they are classified as a high-risk driver by some insurers even when they do not have any moving violations. These drivers may be:

  • New drivers
  • Drivers under the age of 25
  • Drivers who are students
  • Drivers with a poor credit rating
  • Drivers with a history of filing insurance claims

Although none of these factors necessarily means that the driver is incompetent or incautious an insurance company can still use such reasons to charge higher premiums. Once again, shopping around can be the best way to combat this.

Auto insurance companies use statistics to help determine how much of a risk a certain driver poses. Unfortunately, it is difficult, if not impossible, to persuade insurers to deviate from the information provided by statistics. However, not all insurers use the same statistics, so this makes it possible to find different rates from different car insurance providers.

However, not all insurers use the same statistics, so this makes it possible to find different rates from different car insurance providers.

Other Ways to Save on High Risk Car Insurance

Even drivers who are considered high risk can find ways to save on car insurance premiums. Setting a higher deductible is one quick and easy way to save on premiums.

A deductible is an amount the insured is responsible when a claim is made. A deductible of $100 is attractive, but the insured will pay higher monthly premiums. It may make more long-term economic sense to select a $500 deductible that provides much lower monthly payments.

It may make more long-term economic sense to select a $500 deductible that provides much lower monthly payments.

Another way for high-risk drivers to reduce their car insurance premiums is by driving cars that are considered low risk. A flashy sports car will cost a great deal more to insure than a sedate family vehicle. This is because in the event of a claim being made the family vehicle will be cheaper to repair or replace than the sports car.

This is because in the event of a claim being made the family vehicle will be cheaper to repair or replace than the sports car.

Avoid Unnecessary Costs

High-risk drivers can also save on insurance by electing not to buy unnecessary coverage. It may not make sound economic sense to have collision or comprehensive coverage on a car that is many years old.

Does it cost more to insure the vehicle on an annual basis than it is to replace it? If so, then it may make sense to go with just a bare bones policy.

As time goes by, the high-risk driver who starts building a clean driving record should see a reduction in their premiums.

Although coverage may initially seem expensive, it is far more expensive to be caught driving without insurance, and comparison shopping is the key that keeps expenses to a minimum even if they are initially high.

Drivers considered high risk by insurers will pay more than drivers who are considered low risk. However, given time and good driving habits, this situation should begin to improve.

Performing some comparison shopping before choosing a policy is the best way to ensure getting good value for the driver’s hard earned money.

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Is it easy to find high risk cheap auto insurance?

Sometimes, we get unlucky with regard to auto insurance. If you fit certain demographics, including where you live, what car you drive, how old you are or your official driving record, you may find yourself in the “high risk” bracket of car insurance prices.

  • Drivers under the age of 18 are considered high-risk drivers
  • Where you lives can impact your monthly premium
  • Your driving record can also affect your insurance rates
  • Insuring different driver types can also affect rates

Automobile insurance companies determine the price of your annual premium based on your position in the high-risk bracket, meaning that your past and present situation are likely to have an impact on the future prices you will pay. Don’t let insurance have an impact on your life!

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Do I Qualify as High Risk?

As a result, many people in the high-risk bracket have spent many long hours seeking out companies that don’t penalize them too much for their risk factors, but who can offer the level of support, policy detail and auto insurance security that is required by state auto law and that they want for themselves and their families.

There are hundreds of insurance companies in the United States, and each one has its own proprietary way of calculating risk. Some assign more risk to age over driving record, while others put more weight on where you live and what car you drive.

Some of the elements that cause a person to qualify as high risk include:

  • Age – If you are under 18, your insurance premiums may be significantly higher than the average American’s, because teen drivers tend to be more reckless due to their lack of driving experience. Empirically speaking, a greater percentage of teenagers have gotten into car accidents over the past several decades than older adults, making them a high-risk group. In many cases, this presents a good reason for kids to wait on getting a license.
  • Car Make & Model – Certain cars are generally thought to be riskier than others on the road. High-end sports cars, cars with low safety ratings, cars with poor handling and cars that appeal to younger or typically unsafe drivers tend to be risk factors that could significantly raise your premiums.
  • Location – Certain states and cities have higher crime rates than others, and some areas are more prone to accidents. If you happen to live in any of these high-risk areas, you may need to purchase high-risk auto insurance.
  • Driving Record – Finally, you may be placed in the “high risk” category if you’ve been in an accident in the past five years, if you’ve been ever pulled over for a driving violation or if you’ve ever been convicted of a DUI. Unfortunately, you can’t change this.

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What are some high risk auto insurance companies that still offer cheap rates?

Every driver wants great rates, but not every individual will be offered attractive premium levels. The fact is that auto insurance companies base their premiums in large part on your driving record.

  • Your driving record can affect your monthly premiums negatively and positively
  • Teenagers and young adults are usually quoted higher rates
  • Having a DUI on your record can increase your rates substantially and makes you a different driver type (learn more about DUI insurance).

If you have a few at-fault accidents or a lengthy collection of tickets, you will have some challenges when it comes to your insurance.

This article highlights what you can expect if your record is looking frightening; along with information on how you can still take control over the rates you pay.

Enter your ZIP code into our FREE car insurance comparison tool to take control over the rates available for you.

Driving Record Is Everything

This is all information they can obtain by pulling your driving record. They can pull your record at any time to see how you are doing.

They can pull your record at any time to see how you are doing.

Certain states are proactive and will actually contact your insurance company if you are ticketed.

If you are insured with a company that caters to drivers with good records, the company can drop your policy.In this case, know what to ask when calling an auto insurance company to make things right.

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Other Factors

There are other factors that can cause you to be classified as the type of drivers that need high risk auto insurance coverage.

People with very poor credit may have to deal with this classification, even if they do not have any tickets.

Teenagers and young adults are usually quoted higher rates.

If you fall into any of these categories, you may find yourself sorting through the insurance companies.

The rates will be higher, and you may feel like you do not have any choice but to pay the outrageous fees. However, there are other options available to you.

Driving Classes

Start making changes now so that you can switch to a more affordable company in a few years.

Follow the speed limit, and consider taking driving classes to address aggressive driving habits you may have picked up over the years.

The driving classes may also pay off in the short-term with attractive discounts, even if you are with a high-risk company.

Credit, Grades, Experience

If you are considered a liability due to your credit score or because you haven’t driven in a few years, then there is hope for getting better rates.

Take steps to improve your credit score. Once the number starts to climb, you will find that more companies are willing to insure you.

If you are a teen driver, focus more at school and improve your grades.

Many companies offer discounts to kids who get good grades in high school and college.

If the issue is a long lapse in driving experience or insurance, then time will correct the problem.

Mind the speed limits, drive defensively to avoid accidents and you will soon be able to apply with the more affordable companies again.

Shop Around

Even in the high-risk field, there are several companies available for you to consider.

Even people with DUIs can find multiple companies willing to insure them.

Use online comparison sites to quickly and easily shop around for the best price and the most attractive coverage levels.

Change Coverage Levels

When comparing auto insurance rates, you must use consistent information.

Decide on the deductible you are willing to carry, determine what your coverage levels should be and make sure that all quotes are based on that information.

This will help you find the most attractive rates with accurate comparisons.

If you need to bring the rates down lower, consider raising the deductible.

You can also lower your coverage levels to bring insurance costs down, but this should be done with care as it can leave you open to lawsuits should you be involved in an accident.

Keep Applying

Situations can change suddenly. If you have been watching your speed and avoiding accidents, then your record will start to look better. Even if a company turned you down a year ago for coverage, you could easily receive a different answer this year.

When you need high-risk auto insurance, use a comparison site to find the best company for your situation.

After providing your information, you will receive quotes from several different companies.

Take steps now to improve your driving record and your credit score, and then shop around when it’s time for your renewal.

Just enter your ZIP code into our FREE auto insurance comparison tool to find affordable rates for your particular driving record.

References:

  1. http://www.insurancebusinessmag.com/us/news/breaking-news/10-states-with-the-most-expensive-car-insurance-rates-in-2015-22160.aspx
  2. https://en.wikipedia.org/wiki/SR-22_(insurance)
  3. http://www.iii.org/article/how-can-i-save-money-auto-insurance
  4. http://www.iii.org/article/what-determines-price-my-auto-insurance-policy