Introduction
Let’s face it—being labeled a high-risk driver isn’t fun, especially when you’re stuck paying sky-high insurance premiums. Whether it’s due to a couple of speeding tickets, a DUI, or just being a new driver, the result is the same: insurance companies see you as risky business.
But here’s the good news—not all hope is lost. There are companies that cater to high-risk drivers with reasonable rates, good service, and flexible options. Let’s dig into what makes you high-risk and where you can find the best coverage.
Who Qualifies as a High-Risk Driver?
DUI or DWI Offenses
If you’ve had a DUI or DWI, insurance companies are going to bump your rates big time. It signals dangerous behavior behind the wheel, making you a higher liability.
Multiple Traffic Violations
More than one speeding ticket or traffic infraction in a short time? That’s enough for insurers to raise a red flag—and your premiums.
New or Teen Drivers
Even if you’re super careful, your inexperience can make you high-risk. Teen drivers especially fall into this category due to lack of driving history.
Poor Credit History
Yes, your credit score affects your auto insurance. Some insurers believe lower credit correlates with higher claims.
Lapse in Insurance Coverage
A break in coverage (even if you didn’t drive during that time) tells insurers you might not be reliable.
What to Look for in Auto Insurance as a High-Risk Driver
Competitive Rates
Just because you’re high-risk doesn’t mean you should pay through the roof. Look for insurers with fair rates tailored to your situation.
Flexible Payment Options
Budget tight? Choose insurers that offer monthly payments with little to no fees.
SR-22 Filings
If the court requires an SR-22, make sure the insurer offers this service—many do, but not all.
Customer Service and Claims Satisfaction
Bad service can be worse than high prices. Look up reviews on how easy the claims process is.
Discount Availability
Look out for discounts like safe driver courses, bundling, and good student discounts (especially for teens).
Top 7 Auto Insurance Companies for High-Risk Drivers
1. Progressive
Known for competitive rates and excellent SR-22 support, Progressive is a solid choice.
Pros: Customizable policies, forgiving on minor violations
Cons: Higher rates for DUIs
2. Geico
Geico offers surprisingly fair prices even for those with a few dings on their record.
Pros: Fast quotes, multiple discounts
Cons: Not always the best for SR-22
3. The General
This company specializes in high-risk coverage. It’s ideal if you’ve got a rocky record.
Pros: Accepts most high-risk drivers
Cons: Limited coverage options
4. State Farm
State Farm is more lenient than many and offers solid customer service.
Pros: Strong network of agents
Cons: Might be pricier for extreme high-risk cases
5. Dairyland
Perfect for drivers with DUIs or SR-22 needs.
Pros: DUI-friendly, flexible payments
Cons: Can be expensive without discounts
6. National General
Caters to high-risk drivers with previous accidents or lapses in coverage.
Pros: SR-22 support, quick approvals
Cons: Mixed customer service reviews
7. Bristol West
A subsidiary of Farmers Insurance, Bristol West offers policies for those with challenging driving records.
Pros: Accepts most high-risk profiles
Cons: Limited availability in some states
Rate Comparison Table by Company
| Insurance Company | Avg. Monthly Rate | SR-22 Filing | DUI Friendly | Customer Rating |
|---|---|---|---|---|
| Progressive | $165 | Yes | Moderate | ⭐⭐⭐⭐ |
| Geico | $150 | Limited | Low | ⭐⭐⭐⭐ |
| The General | $180 | Yes | High | ⭐⭐⭐ |
| State Farm | $170 | Yes | Moderate | ⭐⭐⭐⭐ |
| Dairyland | $190 | Yes | High | ⭐⭐⭐⭐ |
| National General | $175 | Yes | High | ⭐⭐⭐ |
| Bristol West | $185 | Yes | Moderate | ⭐⭐⭐⭐ |
State-Specific High-Risk Insurance Rates
California
High-risk drivers pay up to 3x more. The General and Dairyland are popular options.
Texas
DUI-related premiums can soar, but State Farm and National General offer relief.
Florida
Known for high premiums across the board. Progressive remains a top choice.
New York
Rates are strict, but Geico and Bristol West often have reasonable offers.
Tips to Lower Insurance Rates for High-Risk Drivers
Take a Defensive Driving Course
Many insurers offer discounts just for completing a certified driving course.
Maintain a Clean Driving Record
Avoid more violations—each clean year helps drop your rate.
Shop Around Annually
Your risk level can change. Compare new quotes every year.
Bundle Policies
Combine home or renters insurance with your auto policy for instant discounts.
Understanding SR-22 Insurance
What is SR-22?
It’s not insurance—it’s a form your insurer files with the state proving you carry the minimum required coverage.
How to File for One
Ask your insurer to handle it. Most high-risk-friendly companies offer this service for a small fee.
How Long Are You Considered High-Risk?
Generally, violations stay on your record for 3 to 5 years. After that, assuming clean behavior, you may qualify for standard rates again.
Common Mistakes High-Risk Drivers Make with Insurance
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Choosing the first offer without comparing
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Not asking for discounts
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Skipping SR-22 when required
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Letting coverage lapse again
Myths About High-Risk Auto Insurance
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Myth: You can’t get full coverage
Reality: You can—it’ll just cost more. -
Myth: All insurers reject high-risk drivers
Reality: Many actually target this market. -
Myth: Rates never go down
Reality: They do—with time and clean records.
Final Thoughts
Being labeled high-risk isn’t a life sentence—it’s a temporary status. With the right insurer and smart decisions, you can manage costs and work your way back to standard rates. Remember: drive safe, pay on time, and don’t be afraid to shop around.
FAQs
1. Can I get full coverage as a high-risk driver?
Yes, but it’ll be more expensive. Make sure to shop around for the best deal.
2. How soon can I lower my premium?
Usually within 3 years if you keep a clean record and avoid claims.
3. Is non-owner car insurance an option?
Absolutely. It’s great for high-risk drivers who don’t own a car but still need coverage.
4. What happens if I don’t get SR-22?
You could lose your license or face legal penalties. Don’t skip it if it’s court-ordered.
5. Do all insurers accept high-risk drivers?
Nope. Some specialize in it, while others won’t touch it. Stick to companies like The General or Dairyland.