Cheap car insurance for high risk drivers | finder.com

Compare car insurance for high-risk drivers

How to get cheaper coverage when you have tickets or accidents on your driving record.

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Your car insurance rates are largely based on how much of a risk an insurer thinks you might be on the road. Getting in a car accident or making too many claims could put you in the high risk category, which means higher insurance rates. But you do have options to improve your driving record and reduce your risk to get better insurance rates.

  • Save over $500 a year when you switch
  • Innovative mobile app
  • Easy repair process

Top pick for high-risk insurance: Geico

It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.

  • Tons of discounts
  • Innovative mobile app
  • Easy repair process

Compare high risk insurance companies

Name Product SR-22 Nonowner policy Payment schedule States served
Yes
Yes
12 months, monthly
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
The General offers affordable coverage for nearly any driver who needs car insurance.
Yes
Yes
12 months, 6 months, monthly (fee applies)
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Yes
Yes
monthly, custom
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Yes
Yes
custom
AL, AZ, AR, CA, CO, CT, DE, FL, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.
Yes
Yes
12 months, 6 months
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies

Compare up to 4 providers

How to save on high risk car insurance

If you’re lumped into a high-risk car insurance category, there’s no one way to guarantee coverage at a low cost. It’s worth comparing a range of non-standard providers and, if necessary, speaking directly with a provider that specializes in drivers with a poor driving record. Understand the factors affecting car insurance premiums so you can easily pick out ways to reduce your costs.

  • Keep an eye out for discounts. Some providers offer discounts as high as 25% just for renewing online, choosing electronic billing or for taking a defensive driving course.
  • Drop coverage you may not need. If you’re driving an older car and not as concerned about damage to it, consider dropping your collision and comprehensive insurance, especially if your car is worth less than your deductible.
  • Choose a higher deductible. Your deductible majorly affects your premiums. A higher deductible can result in wiggle room for more important claims, like liability or uninsured motorist.
  • Look into pay-as-you-go insurance. If you’re a safe driver or you don’t drive every day, compare usage-based insurance. Your rates are based on how much and how well you actually drive and not how much risk an insurer assumes you present.
  • Improve your credit score. Unless you live in California, Hawaii or Massachusetts, your provider considers your credit history when calculating how much to charge. By working to improve your credit, you’ll ultimately get better rates.
  • Drive a car that’s cheaper to insure. You can find typical car insurance rates by a car’s make and model online. Rates for minivans, SUVs and smaller cars tend to be less expensive than high-performance or flashy cars, and features like safety devices and anti-theft devices could earn you extra discounts.

What makes someone a high-risk driver?

When a car insurance provider sets your rates, those premiums are largely based on how likely an insurer thinks you are to get in an accident or make a claim. If you’ve had a suspended license or a history of claims or accidents, some insurers will lump you into a high-risk category, which increases your insurance rates significantly. You could even be considered high risk if your car is more likely to be stolen, for example.

You may be considered a high-risk driver if:

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

Your information is secure.

Bottom line

Your insurer may think you’re at a higher risk of accidents, but that doesn’t mean you can’t get car insurance or find ways to save. Compare non-standard car insurance options to find a great deal even with a few marks on your driving record.

Frequently asked questions about nonstandard car insurance

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site