Cheap Car Insurance for High-Risk Drivers Being labeled high-risk driver makes it harder—and more expensive to get affordable car insurance. Whether you have DUI multiple accidents or poor credit insurers often hike up rates or even deny coverage. But that doesn’t mean you’re out of options. In this guide we’ll explore cheapest car insurance options for high-risk drivers factors affecting costs and tips to find affordable coverage.
What Is Cheapest Insurance for High-Risk Drivers?
The cheapest car insurance for high-risk drivers depends on several factors including your driving record location and insurer’s policies. However some companies are known for offering more lenient coverage and competitive rates for high-risk individuals.
Top Insurance Companies for High-Risk Drivers
- GEICO: Known for its competitive rates GEICO offers affordable coverage even for drivers with accidents or speeding tickets. They also have discounts for safe driving courses.
- Progressive: Offers SR-22 insurance and flexible payment options making it go-to for DUI or reckless driving cases.
- State Farm: Although typically associated with good drivers they provide reasonable rates for high-risk drivers through their “Drive Safe & Save” program.
- The General: Specializes in non-standard auto insurance making it ideal for drivers with poor records or lapses in coverage.
Pro Tip: Rates vary by state so it’s essential to compare quotes. According to 2024 analysis by ValuePenguin Progressive offers most affordable SR-22 coverage in many states.
What Is Best Insurance for High-Risk Drivers?
The best insurance for high-risk drivers isn’t just about price—it’s also about reliable coverage customer service and flexibility.
Top Picks Based on Customer Satisfaction
- Progressive: Best for DUI offenders due to their flexible SR-22 filing process.
- Nationwide: Best for drivers with poor credit offering discounts that offset higher premiums.
- The Hartford: Best for older high-risk drivers (50+) providing tailored plans through AARP.
- Dairyland: Best for drivers with multiple violations offering non-standard policies and flexible down payments.
According to NerdWallet Progressive consistently ranks high for customer satisfaction and affordable high-risk coverage.
Does General Accept High-Risk Drivers?
Yes General is well-known for insuring high-risk drivers. In fact that’s their niche. They specialize in non-standard auto insurance which caters specifically to drivers with:
- Multiple tickets or accidents
- DUI or DWI convictions
- SR-22 requirements
- Poor or no credit history
Why Choose General?
- Flexible payment plans – Perfect for drivers on budget.
- Quick SR-22 filing – Ideal for DUI cases.
- Low down payments – Helps drivers with financial struggles get insured faster.
However reviews on Trustpilot mention mixed customer experiences. While some praise their flexibility others report higher-than-average premiums and customer service issues.
How Much More Does High-Risk Insurance Cost?
High-risk drivers pay significantly more for car insurance compared to drivers with clean records. On average:
- DUI or DWI conviction: Rates increase by 80 to 100 percent.
- Multiple speeding tickets: Premiums rise by 40 to 60 percent.
- At-fault accident: Costs jump by 30 to 50 percent.
- Poor credit score: Rates can be double or even triple those of good-credit drivers.
Average Annual Premium by Risk Factor
| Risk Factor | Average Annual Premium |
|---|---|
| Clean Record | $1,550 |
| Single DUI | $3,200 |
| Multiple Accidents | $2,800 |
| Poor Credit | $2,400 |
| SR-22 Filing | $2,700 |
(Source: ValuePenguin)
High-risk drivers should consider usage-based insurance programs like Root or Metromile which base rates on actual driving habits rather than past records.
Tips to Lower Car Insurance as High-Risk Driver
Although rates are higher there are still ways to reduce your insurance costs:
- Compare multiple quotes: Prices vary significantly between companies.
- Take defensive driving course: Many insurers offer discounts for completing driving courses.
- Increase your deductible: Higher deductibles lower monthly premiums.
- Bundle policies: Combining home and auto insurance often leads to discounts.
- Ask for discounts: Insurers offer discounts for safe driving devices automatic payments and even good grades for student drivers.
FAQs About Cheap Car Insurance for High-Risk Drivers
What Factors Make You High-Risk Driver?
You’re considered high-risk if you have:
- DUI or reckless driving convictions
- Multiple accidents or violations
- Poor credit history
- Lapses in coverage
Is It Possible to Switch to Standard Policy?
Yes after maintaining clean driving record for 3 to 5 years you can qualify for standard insurance rates.
Can You Get Car Insurance Without License?
Yes companies like General and Dairyland offer non-owner policies for drivers with suspended or revoked licenses.
Conclusion
Getting cheap car insurance as high-risk driver is challenging but not impossible. Companies like Progressive GEICO and General offer competitive rates and flexible policies. To save money compare quotes ask for discounts and consider usage-based programs.
Key Takeaway: While being high-risk driver means higher premiums shopping smartly and taking proactive steps can help you cut costs and find best coverage.
Sources & Citations:
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ValuePenguin – Average insurance rates by driver risk level.
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NerdWallet – Reviews on best insurance providers for high-risk drivers.
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Trustpilot – Real customer reviews on The General.
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