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Compare Best High Risk Driver Auto Insurance Companies

If you are having trouble obtaining auto insurance due to a coverage gap, at-fault car accident, or a DUI, you may need a policy from a non-standard insurer, also known as a high-risk auto insurance company. Non-standard companies sell auto insurance to drivers who are most at risk to cover and may not be able to find standard company policies.

Because of this risk, non-standard insurers generally charge customers higher rates than standard insurance companies. The high-risk driver policy may also have additional restrictions.

High Risk Driver Auto Insurance

High_Risk_Driver_Auto_Insurance
High Risk Driver Auto Insurance

What is a high risk driver?

“High risk” does not necessarily equate to being a poor driver. It includes a large subset of drivers, many of whom cannot obtain coverage from major insurers.

Many companies specialize in high-risk auto insurance for non-standard drivers, but there really isn’t a standard definition that all insurers use. High-risk drivers can include people who:

You have fines, at-fault accidents, or DUI convictions.
They have allowed their coverage to expire.
Also have a new license.
And are elderly.
Have bad credit
Own an exotic or high powered vehicle.

High-risk auto insurance companies typically cover drivers who need an SR-22, also known as FR-44 in some states. Insurers will file the form with your state department of motor vehicles if you need it.

»MORE: How Much Car Insurance Rates Increase After an Accident

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How much does high risk car insurance cost?

Although high-risk drivers typically pay more than $1,427 per year, the national average cost of auto insurance based on Goodtogo rate analysis, there are always exceptions. Auto insurance rates at each risk level vary widely based on gender, driving history, location, and other factors, such as the type of coverage you buy.

For example, “full coverage” auto insurance can cost almost twice the amount you would pay for minimum coverage. Full coverage refers to a combination of different auto insurance coverages, including higher liability limits, collision, and comprehensive insurance.

While you don’t want to skimp on buying enough insurance, you can switch insurance companies if you find a better deal. High-risk drivers, like all drivers, can find the cheapest insurance rates by comparing auto insurance quotes.

We cannot predict what your exact auto insurance rate will be, but we can provide averages for drivers with high risk profiles. This includes consumers with bad credit or with an at-fault accident or DUI on their record.

Where to find high-risk car insurance?

While some major insurance companies, like Geico and Progressive, do insure some high-risk drivers, others like Safe Auto and The General specialize in them. Depending on what makes you high risk, any of these companies could offer the lowest auto insurance rates.

Certain agencies and brokers like Good2Go and Freeway Insurance also offer non-standard insurance. Brokers charge an additional fee that most, but not all, states require them to disclose. If you use one, ask if there are additional fees that are not included in your auto insurance quote.

The best high-risk auto insurance companies

If you’ve been listed as a high-risk driver, looking for the best rates is crucial because each insurer sets policies differently. The Good2Go star rating system is used to evaluate traditional and non-standard auto insurance companies. Here are the ratings of insurers that offer policies for at least some high-risk drivers in USA.

Car insurance costs for drivers with bad credit

The national average auto insurance rates for a 25-year-old driver with bad credit are:

$ 2,894 per year for full coverage. *
$ 1,195 per year for minimum coverage.

The national average auto insurance rates for a 40-year-old driver with bad credit are:

$ 2,506 per year for full coverage. *
$ 1,078 per year for minimum coverage.

  • Total coverage rates listed include liability, comprehensive, collision, and uninsured or underinsured motorist coverage.

While using credit history to calculate auto insurance rates is illegal in California, Hawaii, and Massachusetts, our 2020 auto insurance rate analysis found that bad credit can double your insurance costs in other states. . That’s why it’s important to compare prices: We see drastic differences in prices from state to state and company to company.

For example, Lowcostcarinsurance analysis found:

Dairyland charges a 40-year-old driver in Idaho with full coverage and bad credit 28% more on average than someone with good credit.

Geico increases rates for a 40-year-old driver in Florida with full coverage and bad credit by more than 79% on average compared to a driver of the same age with the same coverage and good credit.

»MORE: Average cost of car insurance in 2020

Drivers receive a wide range of rates, even in the same state. As you will see below, a 40-year-old Florida driver with bad credit pays more than $ 2,000 more than a driver with good credit at Progressive.

Meanwhile, Direct Auto does not penalize Florida drivers with bad credit at all, which is surprising considering that drivers with bad credit typically pay 75% more for car insurance than people with good credit.

High Risk Auto Insurance Company Assessment

When comparing high-risk auto insurance options, look for a company that is financially sound (so you can be sure you will be able to pay claims) and that you don’t have too many complaints.

This is what you should evaluate:

Complaints: The National Association of Insurance Commissioners collects data on complaints about insurance companies and calculates a ratio for each type of insurance. NAIC ratios are based on the number of complaints filed against an insurance company with state regulators, adjusted for market share.

The national median is 1.00. Very high complaint rates, above 1.7, are out of the ordinary and often indicate that a company has had many dissatisfied customers relative to the value of the premiums it has written during the year.

Financial strength: The financial strength of a business tells you how likely it is that the insurer will be able to pay a claim. An insurer with any of the A ratings is a safe bet, but not all auto insurance companies have a financial strength rating.

A company could be disqualified by A.M. This is best for a variety of reasons, including the fact that the company did not request a rating or requests that it not be further rated.

Still can’t find a company that insures it?

Even after applying to multiple non-standard insurance companies, you may be denied coverage. As a last resort, you can turn to your state’s high-risk insurance group through the Auto Insurance Plan Service Office. To get started, look up your state in the AIPSO directory.

How to avoid high risk car insurance fees?

Some factors that put drivers at high risk in the eyes of insurers, such as age, may be out of your control. Others, like having a fancy car, may not be things you want to change. But in general, here are some tips to get out of the high-risk insurance category (and lower your rates) as soon as possible:

Take steps to improve your credit. Drivers with bad credit and a clean driving record pay almost as much for car insurance as a driver with a DUI, according to NerdWallet’s 2020 rate analysis.

Become a safer driver. You can even take a driver safety course and get discounts from some companies upon completion.

Look for better insurance rates three and five years after a traffic violation conviction.

Don’t let your auto insurance expire. Drivers with a gap in coverage are labeled high risk, even if they don’t own a car. Non-owner auto insurance can help you avoid being labeled a high risk driver.
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RATES METHODOLOGY

For our “good driver” profile, Goodtogo averaged the rates of the state’s largest insurers for men and women age 40 across all ZIP codes with 12,000 annual miles driven. The policy includes:

  • 100,000 $ bodily injury liability per person.
  • 300,000 $ bodily injury liability per accident.
  • 50,000 $ civil liability for property damage by accident.
  • Uninsured motorist coverage of $ 100,000 per person.
  • Uninsured driver coverage of $ 300,000 per accident.
  • Collision coverage with a $ 1,000 deductible.
  • Comprehensive coverage with a $ 1,000 deductible.

If necessary, additional minimum coverages were added and “good driver” discounts were automatically applied. Our “young driver” had all the same characteristics, but the average rates were for men and women 25 years of age. We use the same assumptions for all other driver profiles, with the following exceptions:

For drivers with minimum coverage, we adjusted the above numbers to reflect the minimum coverage required by law in the state.

We changed the credit rating from “good” to “poor” as reported to the insurer to see the rates for bad credit drivers.

For drivers with a at-fault accident, we add a single at-fault accident that costs $ 10,000 in property damage.

For drivers with a DUI, we add a single offense for driving while intoxicated.
We used a 2016 Toyota Camry LE for all drivers. In all cases, a paperless discount, an electronic signature discount, and an electronic funds transfer discount were automatically applied. These are rates provided by Quadrant Information Services. Your own rates will be different.

AUTOMOBILE INSURANCE RATING METHODOLOGY

Good to Go auto insurance ratings reward companies for customer-centric features and practices. Ratings are based on weighted averages of ratings in various categories, including financial strength, consumer complaints, website transparency, and affordability. Using our editorial judgment, we also consider customer satisfaction surveys.

These ratings are a guide, but we recommend that you shop around and compare various insurance quotes to find the best rate for you. Good to Go does not receive compensation for any reviews. Read our editorial guidelines.

Adding a high risk driver to your insurance

If you are a high-risk driver, you will not be able to buy the same policies at the same rates as drivers in the standard and preferred categories. Those drivers, who have few or no violations, minimal claims, good credit, and a continuous insurance history, get better rates because they pose less risk.

Can you have 2 main drivers in the same car?

How many drivers can you have on your insurance? Do you have three cars and two drivers? Insurance can cover you with a policy.

You can add multiple drivers to your insurance policy, but typically companies only allow up to four vehicles per policy, with one primary driver and up to four additional named drivers.

How long are you considered a high risk driver?

A person can be considered a high risk driver for approximately 3 to 5 years, depending on the sentence. For example, if someone had their license suspended, it would take approximately 3 years to get off their registration.

What is considered high risk for life insurance?

High risk life insurance is a class of life insurance for people who are considered higher risk to insure. You could be considered high risk if you have a profession or hobby that puts you in life-threatening situations. Also, insurance companies may consider you a high risk if you are in below average health.

List of high-risk auto insurance companies

Here is a list of some insurance companies that sell high-risk auto insurance policies:

  • The General, a subsidiary of American Family Insurance.
  • Direct Auto Insurance, a subsidiary of Direct General Insurance Group.
  • Titan Insurance, a subsidiary of Nationwide Insurance.
  • Dairyland Insurance, a subsidiary of Sentry Insurance.

The best high-risk auto insurance companies best provider for:-

Sl No.Type of violation/AccidentCheapest InsurerAverage Annual Cost
1.Careless drivingGeico Company$2,856
2.Reckless drivingGeico Company$2679
3.At-fault accidentProgressive$3402
4.DUIProgressive$3586
Affordable Car Insurance Companies for Bad Drivers

Best overall for minimal coverage

  • Dairyland ideal for drivers who need an SR-22.
  • Best State Farm Rates After a DUI.
  • GEICO’s best rates after a traffic violation.

Geico high-risk insurance

GEICO offers medium to low rates and pretty good customer service. For the most part, it is comparable to other insurers in terms of insurance deals and discounts. However, GEICO sets itself apart as one of the best insurance companies when it comes to providing easy-to-use online tools.

Who Has the Cheapest Auto Insurance?

Cheapest car insurance companies:-

  • USAA is the cheapest auto insurance company and offers the lowest auto insurance rates in the country, according to our analysis.
  • Geico is the second cheapest auto insurance company, with a study rate of $1,188 a year.
  • State Farm is the third cheapest auto insurance company in our study.

High-risk car insurance Georgia

High-risk auto insurance, also known as non-standard insurance, is often more expensive to buy than standard coverage because high-risk drivers have a higher financial risk to insure.

Some people are considered by insurance companies to be “high risk” drivers. As the name suggests, these drivers can pose greater liability to insurers due to their driving history, the type of cars they drive, or even their credit history. The insurance company may find them more expensive to insure.

Another effective way to lower your auto insurance premium is to bundle your other policies through Progressive. That means you can combine two or more progressive insurance products in one policy. Progressive offers great policies that you can bundle.

Commercial insurance with bad driving record

Your CDL distinction does not necessarily mean that your auto insurance will increase or change in any way. Unfortunately, you don’t get a reduced insurance rate due to its advanced driving distinction. However, you may qualify for the defensive driving credit due to your professional status.

Who Has the Best Commercial Truck Insurance?

Top 10 Insurance Companies for Commercial Trucks

  • Berkshire.
  • Car owners.
  • Progressive.
  • Travellers.
  • Seneca.
  • Great Lakes.
  • Allied world.
  • Allianz.

Auto insurance that doesn’t check driving record

Insurance companies generally only look at the last three to five years of your driving history when calculating your premiums, so if you’ve managed to drive accident-free for long enough, your past incidents may no longer matter.

  • Compare Best High-Risk Driver Auto Insurance Companies.