Being labeled high-risk driver can make finding affordable insurance challenge. Whether you have had multiple accidents traffic violations DUI convictions or lapses in coverage insurance companies will categorize you as risky. This leads to higher premiums and fewer coverage options. However some insurance providers specialize in offering competitive rates and coverage for high-risk drivers.
Read More: What Is the Cheapest Insurance for High-Risk Drivers? In USA
What Does It Mean to Be High-Risk Driver?
A high-risk driver is someone insurance companies consider more likely to file claim or engage in unsafe driving behaviors. Several factors can label you as high-risk:
- Traffic violations: Speeding tickets reckless driving or DUIs.
- Multiple accidents: history of at-fault accidents.
- Lapsed coverage: Gaps in your insurance history.
- Young or elderly drivers: Statistically higher accident rates.
- Poor credit score: Linked to increased insurance risks in some states.
Example: If you have been caught driving under influence you will likely need SR-22 insurance which is form of high-risk coverage.
Who Has Best Insurance Rates for High-Risk Drivers?
Not all insurance companies penalize high-risk drivers equally. Here are some of best providers with competitive rates and tailored coverage options:
Top Insurance Companies for High-Risk Drivers
| Insurance Company | Average Monthly Premium | Best For |
|---|---|---|
| GEICO | $150 – $250 | Affordable High-Risk Rates |
| Progressive | $180 – $300 | DUIs and SR-22 Coverage |
| State Farm | $160 – $270 | Accident Forgiveness |
| The General | $190 – $320 | Non-standard Coverage |
| Allstate | $170 – $290 | Customizable Policies |
Tip: Progressive is known for being high-risk driver-friendly offering SR-22 filings and accident forgiveness programs.
Source: NerdWallet
Does Progressive Cover High-Risk Drivers?
Yes Progressive is one of most high-risk driver-friendly insurance providers. They offer:
- SR-22 filing: Required for drivers with DUI convictions.
- Accident forgiveness: Progressive’s small accident forgiveness protects your rate from minor incidents.
- Snapshot program: If you are working on improving your driving habits Progressive’s Snapshot program monitors your driving and could lower your rates over time.
Example: If you have recently been labeled high-risk due to multiple traffic tickets Progressive may still offer you competitive rates through their discount programs.
Source: Progressive
How Long Are You Considered High-Risk Driver for Insurance?
The length of time you are categorized as high-risk depends on severity of incident and your driving history. On average:
- Minor violations: 3 years.
- Major violations (DUI): 5–10 years (varies by state).
- Accidents: 3–5 years.
- License suspension: 3–10 years.
Tip: You can reduce your high-risk label faster by maintaining clean driving record and attending defensive driving courses.
Example: In California DUI stays on your driving record for 10 years significantly impacting your insurance rates.
Source: California DMV
What is High-Risk Insurance Policy Called?
High-risk drivers typically need non-standard auto insurance which comes with higher premiums and limited coverage options. Some common policies include:
- SR-22 insurance: Required by many states after DUI convictions or driving without insurance.
- FR-44 insurance: Similar to SR-22 but requires higher liability limits (Florida and Virginia).
- Non-owner car insurance: For high-risk drivers who do not own car but need liability coverage.
Tip: If you have had your license suspended you will likely need SR-22 insurance to reinstate it.
Example: In Florida drivers convicted of DUI must obtain FR-44 insurance which carries double standard liability requirements.
Source: Florida Department of Highway Safety
Tips for Lowering High-Risk Driver Insurance Costs
Even if you are considered high-risk there are ways to reduce your premiums:
- Shop around: Get quotes from multiple providers.
- Improve your credit score: In some states credit impacts your rates.
- Take defensive driving course: Many insurers offer discounts.
- Bundle policies: Combine auto and home insurance for savings.
- Increase your deductible: Higher deductibles lead to lower monthly premiums.
Pro Tip: Look for insurers with usage-based programs to save money by proving safer driving habits.
FAQs: High-Risk Driver Insurance
How much more do high-risk drivers pay for insurance?
High-risk drivers can pay 50%–200% higher premiums than standard drivers depending on violation severity.
Can you switch insurance providers if you are high-risk?
Yes but it may be harder to find affordable rates. Compare quotes and consider specialty insurers.
Does high-risk status affect future coverage options?
Yes. Some insurers may refuse coverage or charge significantly higher rates even after violations are removed from your record.
Conclusion
Finding best insurance for high-risk drivers requires research and comparison. Companies like Progressive GEICO and State Farm offer competitive rates and specialized programs for high-risk drivers. To reduce your insurance costs focus on safe driving practices take advantage of discount programs and consider working with specialized insurers.
By making informed choices and being proactive you can gradually lower your risk status and enjoy more affordable coverage.
