High Risk 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

UPDATED: Jul 19, 2021

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So you’ve made some mistakes behind the wheel, and you need help finding cheap high risk insurance. Well, you’ve come to the right place. Read on for some helpful advice.

High Risk Insurance – Let us Help You Get Back on the Road

Some providers out there will charge high-risk drivers an arm and a leg just for minimal, basic coverage. Luckily, however, there are providers who realize that high risk drivers are an untapped market and design policies which cater to your needs. But you must also make strides to prove that your past driving mistakes are just that; a thing of the past.

Identifying High Risk Drivers – How Do You Know If You Need a Non Standard Auto Insurance?

  • High Risk Car Models – Sports cars, luxury vehicles, and Hummers will all cost more to insure than other cars.
  • Drivers with previous tickets or accidents – Nobody is perfect, but if you have past blemishes on your driving record, auto insurance companies are likely to charge you higher premiums for it.
  • Reckless Drivers – Whether it’s something serious, like a DUI, or something minor such as a speeding ticket, the rate increase of your premiums will be dependent on the situation.
  • SR-22 Requirement – This is probably the most significant sign of a high-risk driver. Some consider the SR-22 requirement so dangerous that they won’t even offer you an insurance policy. Usually, an SR-22 is the result of a DUI or being found at-fault in a collision while driving without insurance. Some major companies which may refuse to issue you an insurance policy include, but are not limited to: USAA, Infinity, Auto-Owners, Encompass, State Farm, Liberty Mutual, and more.
  • DUI or DWI – Driving while impaired or under the influence is typically a sign of poor decision making skills. Since most insurance companies know that these types of high-risk drivers are an expensive and dangerous investment, finding insurance after a DUI or a DWI will be extremely difficult. You may need to look for a provider such as the General Auto Insurance Company in order to find the specialized policy you are looking for.



Car Insurance and DUIs


Legend:
DUI Rates
Clean Record

California
Florida
Illinois
New York
Texas


15
30
45
60
75
90
105
120
135
150
165
180
195
210
225




$164
$64


$225
$126


$49
$34


$153
$93


$145
$105


  • Elderly Drivers (70+) – Elderly drivers who are older than 65 will also see their insurance premiums rise. Unfortunately, older motorists have slow reaction times, poor vision, and are much more likely to get into collisions than even young drivers.
  • Teen Drivers – With both a lack of experience behind the wheel and statistically-proven poor decision making skills, teenage drivers are deemed high-risk drivers. Their premiums will likely be high until the age of 25.



Auto Insurance Rates by Age


Legend:
31 Year Old Driver
75 Year Old Driver
16 Year Old Driver

California
Florida
Illinois
New York
Texas


50
100
150
200
250
300
350
400
450





$64
$76
$181



$126
$191
$275



$34
$45
$88



$93
$223
$482



$105
$140
$310


Find Cheap High Risk Auto Insurance – Don’t Let Your Car Insurance Skyrocket

By law, there are certain high risk auto insurance companies which must provide you with the minimum amount of legally-required automobile insurance, even if you are a high risk driver. However, these companies do not have to provide additional coverage, even if you ask for it, and they are probably going to charge you more than they would if you had a cleaner driving record.

It’s all about risk. Statistically speaking, drivers with blemishes on their record are more likely to file claims and cost their insurance company money. Your provider will try and shield against these probable expenses by charging you higher premiums for being a high risk driver.

Do Some Providers Specialize in Non Standard Auto Insurance?

If you are a high risk driver, you should expect to pay higher rates, but there is a limit to what is fair and what is price-gouging. The General Auto Insurance Company is perhaps the most renowned provider of high risk vehicle insurance, but there are others out there. Basically it will all come down to your unique driving history and the nature of your insurance provider. If you can’t find an insurance company willing to provide you with coverage, check and see if your state has a program to help get you covered.

Shopping around is essential. AutoInsuranceEZ.com helped many drivers secure an affordable high risk insurance policy. Compare these free auto insurance quotes today and get the best price!

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