When is high-risk auto insurance required?

High-risk auto insurance is at least 20% more expensive than average. However, insurance companies like State Farm and American Family can get you cheaper high-risk insurance rates. If you’re a high-risk driver for traffic reasons, you may require SR-22 certification. But some non-driving factors could make you a high-risk driver. Shop around and compare multiple insurance companies to secure affordable high-risk car insurance.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Feb 15, 2022

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Can't-Miss Facts

  • High-risk drivers usually pay more than average for auto insurance
  • Too many accidents can put you in a high-risk pool
  • A lapse in coverage could make you a high-risk driver

Were you identified as a high-risk driver by an auto insurance company? High-risk car insurance is connected to expensive insurance rates. Costly auto insurance for high-risk drivers may seem unfair, but there’s a way to secure more affordable quotes.

But where can you find cheap car insurance for bad drivers? How do auto insurance companies determine who’s high risk? Don’t worry — we’re here to answer your questions.

We’ll explain why you may need high-risk insurance, how a high-risk pool affects auto insurance rates, and which companies provide affordable high-risk coverage.

Continue reading to learn all about high-risk auto insurance. Enter your ZIP code in the free online quote tool to compare multiple insurance companies near you.

When is high-risk auto insurance required?

Car insurance for high-risk drivers may be required for many reasons. One of the most significant purposes for high-risk insurance is to offset the risk of a driver filing an auto insurance claim.

But what are the specific reasons why you need high-risk auto insurance? Check out the table below to see characteristics that define a high-risk driver.

High-Risk Driver Factors
Driving FactorsNon-Driving Factors
At-fault claimsAge
Speeding ticketsBad credit
Reckless drivingLocation
RacingGaps in coverage
DUIVehicle use
Vehicle type
License points
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Age indicates the driving experience of the insured, but location considers the risk of you filing claims based on the statistics of where you live. Gaps in coverage show how long you’ve been uninsured while owning a car.

Vehicle use is another way of showing how often you drive. Generally, cars don’t get in accidents when they’re not moving. Therefore, the more you drive, the more you’re at risk of an accident.

Although driving factors make sense, it may be confusing to understand why non-driving factors should affect your car insurance policy.

Even vehicle types can determine whether you’re at high risk. Some vehicle types have higher accident frequencies, and some vehicle types generate expensive car insurance claims.

Therefore, your auto insurance company may drive up your rates to balance the risk.

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Why does bad credit affect my auto insurance rates?

Car insurance for bad drivers can get worse if they have poor credit. High-risk car insurance companies issue more expensive rates to people with bad credit because it correlates to a high chance of filing claims.

Excellent credit does the opposite. Auto insurance companies correlate excellent and good credit with a low chance of filing a car insurance claim.

How much is auto insurance for high-risk drivers?

Car insurance for bad drivers and high-risk drivers is at least 20% more than average. According to the National Association of Insurance Commissioners (NAIC), full coverage auto insurance is $90 a month on average.

If you consider the minimum high-risk increase, you’ll pay around $108 per month. However, each driver is different. Some high-risk drivers have to pay up to 35% more for auto insurance.

Let’s look at how much you could pay for car insurance as a high-risk driver.

Monthly Auto Insurance Rates by High-Risk Factor
SummaryMonthly Rates
Auto Insurance Rates for 15 Miles or More$125
Auto Insurance Rates for Drivers in their 20s$135
Auto Insurance Rates for Business Commuting$138
Auto Insurance Rates for Luxury Cars$176
Auto Insurance Rates for Sedans$188
Auto Insurance Rates for Bad Credit$237
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These estimates are not set in stone, and they could be cheaper or more expensive depending on the company that has your auto insurance policy. But don’t give up — you can get cheap car insurance for bad drivers.

You should look for high-risk car insurance companies that provide affordable insurance for bad drivers.

Which auto insurance companies provide high-risk insurance?

Some car insurance companies provide coverage specifically for high-risk drivers. This doesn’t mean they won’t take drivers with a clean driving record.

So, which companies are best for high-risk drivers or drivers with a bad driving record? Here is a list of high-risk auto insurance companies:

  • Assurance America
  • Bristol West
  • Dairyland
  • Falcon
  • Gainsco
  • Hallmark
  • Infinity
  • Kemper
  • The General
  • Safe Auto

These companies may provide high-risk auto insurance much faster than some of the more well-known companies in the United States. If these companies aren’t in your area, try to shop with regional or local car insurance companies.

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How much is automobile insurance for high-risk drivers at the best companies?

You can get high-risk car insurance from the best auto insurance companies in the nation. However, you could pay significantly more for insurance per month.

Let’s look at how much you’ll pay for car insurance with a bad driving record at the top companies.

Auto Insurance Rates by Driving Record and Company
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly Rates w/ One DUI Conviction
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292

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Car insurance for a bad driving record is usually more expensive. Accidents and DUIs have the most impact on your driving record, so make sure you ask your auto insurance company about discounts.

Are high-risk auto insurance rates cheaper in different states?

Yes, they are. Each state has different averages for high-risk car insurance and those rates can decrease when you shop at the cheapest companies in the state.

Fortunately, our research found estimates of the most affordable car insurance companies in each state in America. Let’s examine the results.

Monthly High-Risk Auto Insurance Rates by State and Cheapest Company
StatesCheapest Auto Insurance CompaniesMonthly Rates
AlabamaAllstate$91
AlaskaState Farm$89
ArizonaAmerican Family$98
ArkansasSouthern Farm Bureau$83
CaliforniaEsurance$156
ColoradoState Farm$107
ConnecticutState Farm$120
DelawareState Farm$116
District of ColumbiaErie$87
FloridaState Farm$172
GeorgiaState Farm$132
HawaiiState Farm$78
IdahoState Farm$51
IllinoisState Farm$89
IndianaErie$62
IowaState Farm$57
KansasAmerican Family$74
KentuckyState Farm$80
LouisianaSouthern Farm Bureau$166
MaineState Farm$57
MarylandErie$145
MassachusettsGEICO$96
MichiganNationwide$334
MinnesotaAmerican Family$88
MississippiTravelers$95
MissouriState Farm$84
MontanaState Farm$69
NebraskaState Farm$72
NevadaState Farm$152
New HampshireConcord Group$68
New JerseyGEICO$126
New MexicoState Farm$93
New YorkErie$225
North CarolinaNationwide$115
North DakotaAmerican Family$50
OhioAmerican Family$58
OklahomaState Farm$98
OregonState Farm$63
PennsylvaniaState Farm$77
Rhode IslandState Farm$96
South CarolinaState Farm$98
South DakotaState Farm$63
TennesseeState Farm$77
TexasFarmers$96
UtahGEICO$98
VermontState Farm$67
VirginiaProgressive$62
WashingtonState Farm$89
West VirginiaErie$72
WisconsinAmerican Family$66
WyomingState Farm$68
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State Farm is the cheapest company overall, followed by American Family. Although these companies are known for their cheap auto insurance for bad drivers, your rates could differ when you get a quote.

How do I lower my risk profile for cheaper auto insurance rates?

You can lower your driving risk by keeping driving incidents to a minimum. If you can go more than six months without an accident or traffic violation, your risk may decrease.

Also, any increase in your credit score could get you more affordable insurance rates. Make sure you report any changes in your credit to your car insurance company.

Do I need SR-22 auto insurance?

Whether you need an SR-22 depends on your driving record. Insurance for a bad driving record comes with higher prices and SR-22 certification on most occasions.

Drivers who have too many accidents or severe traffic violations (DUI, reckless driving, or racing) may require an SR-22 form before their driving privileges are restored.

SR-22 certification is like a promise to your state that says you’ll carry the state minimum car insurance. Your state could suspend or revoke your driver’s license for failing to meet state requirements for auto insurance.

If you’re a high-risk driver in Indiana, you’re required to get SR-50 certification. Meanwhile, Florida and Virginia’s high-risk drivers who commit serious driving offenses need double the minimum requirements through FR-44 certification.

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High-Risk Auto Insurance: The Bottom Line

High-risk insurance companies provide affordable auto insurance for bad drivers. But you’ll need to qualify for auto insurance discounts.

If a car insurance company denies your request for coverage, keep shopping around with other companies.

It’s challenging to get cheap insurance for bad drivers, but it’s not impossible. You’ll have to compare auto insurance with multiple companies until you find a company that provides inexpensive car insurance coverage.

Now that you know more about high-risk auto insurance, you can compare multiple insurance companies in your area by using our free online quote tool below.

Frequently Asked Questions: High-Risk Auto Insurance

Do you want to know more about high-risk car insurance? Read these answers to frequently asked questions to learn more about high-risk insurance.

#1 — Can multiple speeding tickets make me a high-risk driver?

Yes, it can. Too many speeding violations drive up car insurance rates by 15% or more.

#2 — Is GEICO good for high-risk drivers?

Yes, it is. GEICO is one of the cheapest companies in the United States, and it provides auto insurance for high-risk drivers.

#3 — How long does high-risk auto insurance last?

High-risk car insurance can last at least three years. It takes a while to be considered a high-risk driver and it will take some time to lower your risk and begin to really save on your auto insurance again.

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