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Discover the Best Car Insurance Companies for High-Risk Drivers in 2022

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2021

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Key Takeaways

  • USAA provides the lowest rates for drivers with a speeding ticket
  • State Farm has the lowest rates for drivers with an accident
  • Combining discounts can lower your rates

Car insurance companies use several factors to determine the risk of drivers. But can you find cheap car insurance if you’re a risky driver? Fortunately, there are ways that you can lower your rates to find affordable coverage.

When comparing rates, you’ll find that USAA offers the lowest rates for drivers with a speeding ticket, and State Farm provides the lowest rates for drivers with an accident. Additionally, you can bundle various discounts to lower your rates to an affordable price.

Understanding what impacts rates and how to lower your risk will help you find affordable coverage from the best car insurance companies for high-risk drivers.

Before learning about the best car insurance companies for high-risk drivers, enter your ZIP code to get free auto insurance quotes in your area.

What are the rates from the best car insurance companies for high-risk drivers?

Car insurance companies consider the risk of a driver when determining rates. Therefore, drivers that are more likely to file a claim will receive higher rates. However, companies determine rates differently, so it depends on the company you’re considering.

Comparing the best car insurance companies’ rates for high-risk drivers will help you find the best fit for your situation. The following chart shows the annual full-coverage rates from popular auto insurance companies by company and driving record.

Average Annual Full-Coverage Rates from the Best Car Insurance Companies for High-Risk Drivers by Company and Driving Record
CompanyAverage Annual Rates for Drivers with a Clean RecordAverage Annual Rates for Drivers with One Speeding TicketAverage Annual Rates for Drivers with One Accident
Allstate$1,921$2,519$2,752
GEICO$1,405$1,734$1,971
Nationwide$1,485$1,734$1,745
Progressive$1,509$1,826$2,231
State Farm$1,457$1,590$1,675
USAA$1,225$1,463$1,742
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As you can see, USAA has the lowest rates for drivers with a clean record and those with one speeding ticket. However, the company only provides coverage for military members and their immediate families.

While GEICO offers the lowest rates for non-military customers with a clean record, State Farm is the best choice for non-military drivers with one speeding ticket. Additionally, State Farm has the lowest rates for drivers with one accident when compared with all companies.

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What factors are considered by the best car insurance companies for high-risk drivers?

As previously mentioned, car insurance companies use a driver’s risk to determine their rates. Both driving and non-driving factors go into this evaluation. Understanding these factors will help you find the best affordable car insurance companies for high-risk drivers.

The primary focus of auto insurance companies is determining the likelihood that a driver will file a claim. So as you can imagine, driving records and habits have the most significant impact on rates. Some of the driving factors that insurance companies consider include:

  • At-fault accidents
  • Speeding tickets
  • Reckless driving
  • Racing
  • DUI

While driving factors are usually more significant, companies will also look at non-driving factors that indicate a driver’s responsibility. Non-driving factors that might impact your rates include:

  • Poor credit
  • Age
  • Gender
  • Location
  • Insurance coverage history
  • Vehicle use
  • Vehicle type
  • License points

While you can impact some of these factors, others are beyond your control. For example, you can choose a safer vehicle and drive safer, but you can’t select your age or gender.

When looking at the best car insurance companies’ quotes for high-risk drivers, you might notice a difference depending on where you live. This price difference is because auto insurance companies can’t consider certain factors in some states.

For example, California doesn’t allow companies to consider a driver’s credit rating when determining insurance rates. Often, this results in companies increasing the importance of other factors to compensate for the lack of a credit score.

How long are you considered a high-risk driver?

People improve their maturity and responsibility over time. So how long will you be considered a high-risk driver? The good news is that you can improve your standing over time.

Insurance companies continue to monitor your driving record while you’re insured. So if you were reckless as a young driver but improve as you get older, your rates will decrease. Eventually, you’ll lose the high-risk auto insurance label.

What discounts are available from the best car insurance companies for high-risk drivers?

Insurance for high-risk drivers will always be more expensive. But while you can improve your driving over time, you might be looking to lower your rates today. Fortunately, there are ways that you can reduce your car insurance rates.

Car insurance companies offer various discounts. Some of these discounts are for specific people, like military members, but others are available for all drivers. Combining as many deals as possible will allow you to lower your rates, regardless of your risk.

If you’re looking for lower rates, there are specific steps that you can take to find affordable car insurance for high-risk drivers. The actions that help high-risk drivers find cheaper car insurance rates include:

  • Talk to insurers about coverage options
  • Shop around
  • Ask about all potential discounts

As mentioned above, insurance companies offer various discounts. These saving opportunities depend on different aspects of your life, including your car, safety devices, how frequently you drive, and your lifestyle. The following chart shows some of the standard auto insurance discounts.

Discounts from the Best Car Insurance Companies for High-Risk Drivers
Car Insurance DiscountDiscount Eligibility
Anti-lock brakesCars with factory-installed anti-lock brakes.
Anti-theftCars include anti-theft devices, like alarms, tracking systems, and kill switches.
Defensive drivingCompleted approved defensive driving course.
Good studentHigh school or college students with at least a 3.0 grade point average.
HomeownerInsured own a single-family home.
Low mileageDriving 5,000 to 15,000 miles per year.
Multi-car policyInsure more than one car on a single car insurance policy.
Multi-policyBundling different types of insurance.
Paid in fullPolicy is paid in one payment.
Student away at schoolCollege-aged children who attend college over 100 miles away and leave their car at home.
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In addition to these deals, companies offering the best insurance for a bad driving record provide savings for safe driving. It might take some time for a high-risk driver to obtain safe driving discounts, but they are obtainable.

If your high-risk label is due to an accident, you might consider a company that offers accident forgiveness. This program allows loyal customers in good standing to receive forgiveness for one accident every three to five years.

How else can you lower your rates?

The best way to lower your rates is by comparing different insurance quotes and combining discounts. However, there are some additional ways that you can obtain affordable coverage.

  • Increase Your Deductible: Raising your deductible assures that the insurance company will receive payment.
  • Improve Your Credit Score: Insurance companies consider customers with good credit scores to be more responsible and more likely to make timely payments.
  • Decrease your Coverage: Car insurance companies price coverage individually, so fewer coverages will result in lower rates.

Increasing your deductible and improving your credit score are always good ways to lower your rates. However, while you can decrease your coverage, you will be vulnerable should you get into an accident.

What else do the best car insurance companies for high-risk drivers call at-risk coverage?

When looking for coverage, you might find high-risk car insurance listed among coverage options. However, some companies use different terminology when talking about insurance. So what is high-risk insurance called if it’s not listed?

You might find insurance for high-risk drivers also listed as non-standard auto insurance. This type of coverage is a tier of insurance reserved for risky drivers. The plans are the same as standard insurance in most cases, except that the rates are higher.

There are various reasons why you might fall into the category of non-standard coverage. Three of these reasons include:

  • You’re a high-risk driver: Multiple traffic violations and accidents will label you as a high-risk driver.
  • You’re required to carry an SR-22: Your state might require that you hold an SR-22 if you have a DUI conviction or another form of reckless driving.
  • Your car has a salvage title: Some insurers limit coverage available for rebuilt cars to liability.

There is a long list of high-risk auto insurance companies that provide non-standard coverage to customers. However, in some cases, this type of coverage might come from a subsidiary company.

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What if you’re denied coverage from the best car insurance companies for high-risk drivers?

If you’re considered an overly-risky driver, high-risk insurance companies might decide to deny coverage. According to the Insurance Information Institute, this can be concerning because nearly every state requires drivers to carry insurance when operating a vehicle.

So what are your options if every car insurance company denies you coverage? Fortunately, there are options for drivers that run into this problem.

Residual market plans cover drivers that insurance companies consider too high risk to insure, resulting in the denial of coverage. State insurance regulators issue high-risk drivers to different insurers within the state.

This type of coverage is also known as a non-voluntary or shared market. The state insurance regulators assign drivers to insurers rather than insurers choosing to cover drivers. While this will help you obtain coverage, it should be a last resort.

Best Car Insurance Companies for High-Risk Drivers: The Bottom Line

High-risk drivers can find it challenging to get affordable auto insurance rates. Fortunately, you can lower your rates with discounts and shed the high-risk label over time. In the meantime, comparing different company rates will help you find coverage for a reasonable price.

Knowing how to find the cheapest rates for your driving record will help you discover the best car insurance companies for high-risk drivers. To compare rates from the best companies, enter your ZIP code to get free auto insurance rates from providers in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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