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High Risk Auto Insurance

If you are a driver with a bad driving record, such as involvement in accidents, speeding violations, DUIs, DWIs, or damage to property, you may need to buy high risk car insurance. If auto insurance companies label you “high risk”, be prepared to lose any safe driver discounts and for your car insurance rates to increase. However, by comparing high risk auto insurance quotes online, you can still find good coverage at affordable rates.

Best High Risk Auto Insurance Companies

Some insurance companies specialize in offering affordable car insurance for high risk drivers. In the chart below, we compare the best high risk auto insurance companies (GEICO, Allstate, Nationwide, and MetLife) to find the cheapest rates by category.

High Risk Auto Insurance Companies

On average, GEICO is the cheapest high risk auto insurance company. Nonetheless, Allstate is a close second, and was even cheaper in the “DUI and Accident” category, averaging $2,300 per year versus GEICO’s $2,500. Otherwise, Nationwide and MetLife were consistently more expensive. If you’re looking for cheap high risk auto insurance, the best company seems to be GEICO or Allstate.

Note: this information was collected using a limited sample size, and the results of this study may not accurately reflect the cost of car insurance for you. Your high risk premiums will depend on your state of residence, age, gender, driving history, make and model vehicle, as well as other factors. As always, it is important that consumers compare car insurance quotes from multiple companies before buying coverage.

Cost of High Risk Auto Insurance

Below, we compared the cost of high risk auto insurance by state. You will find that high risk auto insurance rates are different depending on the state you live in and the type of violation you commit. Moving violations such as speeding tickets will affect your premiums, but not nearly as much as a DUI or accident. However, the highest premiums are reserved for inexperienced, young drivers because this risk category is the costliest for insurance companies to insure.

State
Average
Speeding
DUI & Accident
Young Driver
Alabama
$858
$1,295
$2,565
$4,695
Alaska
$1,248
$1,370
$2,600
$3,145
Arizona
$1,215
$1,610
$3,514
$4,470
Arkansas
$1,107
$1,165
$2,970
$6,800
California
$1,830
$3,060
$7,796
$6,170
Colorado
$1,512
$1,909
$3,0601
$4,800
Connecticut
$1,842
$2,140
$6,710
$7,971
Delaware
$1,863
$3,450
$6,150
$8,721
Florida
$1,576
$2,425
$3,384
$4,278
Georgia
$1,662
$2,136
$3,246
$4,732
Hawaii
$864
$1,092
$3,186
$900
Idaho
$852
$1,038
$1,568
$3,309
Illinois
$1,320
$2,784
$2,004
$6,279
Indiana
$1,068
$1,135
$1,584
$3,330
Iowa
$795
$1,446
$1,608
$4,248
Kansas
$1,016
$1,188
$3,780
$4,680
Kentucky
$1,560
$2,860
$4,084
$9,807
Louisiana
$2,104
$3,588
$5,934
$11,176
Maine
$584
$828
$1,692
$3,188
Maryland
$1,440
$2,193
$3,561
$9,252
Massachusetts
$1,252
$1,736
$3,606
$4,076
Michigan
$2,766
$4,092
$6,032
$11,271
Minnesota
$975
$1,568
$1,851
$3,366
Mississippi
$1,284
$1,326
$2,100
$3,978
Missouri
$1,124
$1,260
$1,708
$3,784
Montana
$1,256
$1,428
$1,952
$4,656
Nebraska
$1,113
$1,020
$2,382
$3,927
Nevada
$1,848
$2,252
$3,380
$7,208
New Hampshire
$1,320
$1,760
$2,020
$4,335
New Jersey
$2,416
$4,452
$6,576
$9,048
New Mexico
$1,508
$1,532
$3,744
$5,504
New York
$1,812
$2,544
$5,532
$6,216
North Carolina
$822
$1,260
$2,703
$1,953
North Dakota
$1,396
$1,856
$3,360
$5,244
Ohio
$824
$856
$1,848
$3,352
Oklahoma
$1,908
$2,120
$3,876
$7,464
Oregon
$1,396
$2,133
$1,380
$5,024
Pennsylvania
$1,819
$2,028
$3,436
$10,208
Rhode Island
$2,051
$2,190
$3,492
$8,000
South Carolina
$768
$816
$1,704
$2,752
South Dakota
$1,002
$1,122
$1,842
$4,320
Tennessee
$1,244
$1,304
$3,988
$4,092
Texas
$1,230
$1,242
$2,298
$4,068
Utah
$1,041
$1,056
$2,607
$4,827
Vermont
$993
$1,060
$1,764
$3,432
Virginia
$1,074
$1,161
$2,460
$3,471
Washington
$1,328
$916
$2,120
$6,000
West Virginia
$1,420
$1,568
$2,952
$6,088
Wisconsin
$1,545
$2,064
$3,600
$7,227
Wyoming
$940
$966
$2,016
$3,738

How To Get Cheap High Risk Auto Insurance

Although car insurance comparisons can help you save money on car insurance, there are proactive steps you can take to cut the cost of car insurance.

Discounts

While car insurance quotes can help drivers compare the rates of different companies, online comparisons may not always take advantage of all the discounts for which a driver is eligible. The best car insurance companies offer discounts for multiple policies, multiple cars, customer loyalty, good drivers, good students, and low mileage.

To save money with cheap high risk auto insurance, drivers should get online quotes and then call the insurance company to ask about additional discounts. Often, a driver is eligible to take advantage of more than one discount which can save hundreds of dollars on rates. Potential policyholders can even use auto insurance quotes from other companies to negotiate with sales representatives.

Defensive Driving

Companies offer up to a 10% discount for 3 years to drivers who successfully complete a defensive driving course. All drivers, regardless of age or driving record, are eligible for this driver’s education discount. Classes are available online or in classrooms, take about 8 hours to complete and cost between $30 and $50. If a driver completes a class every 3 years, the discount will continue to be in effect and likely save them at least $100 per year.

Check Your Driving Record

Being labeled a “high risk driver” isn’t a lifetime problem. Depending on your state’s laws, accidents, traffic citations and DUIs remain on a driver’s record for up to 7 years, and in many cases, speeding tickets and traffic citations are dropped after 3 years.

If you believe a past accident or citation is preventing you from getting cheap car insurance, you may want to request a copy of your driving record. Sometimes the DMV fails to expunge citations or accidents from a driving record and, occasionally, the records may be incorrect, especially if you’ve completed a defensive driving program to avoid a ticket affecting your premiums. Drivers can contact the DMV to remove errors from their driving history.

High Risk Auto Insurance Quotes

Auto insurance for high risk drivers doesn’t have to be expensive or overpriced. If you’re looking to compare high risk auto insurance quotes, just enter your zip code and choose a company to get a free and instant quote. Even if you are happy with your current company or premium, guarantee yourself peace of mind that you are getting the best car insurance rates and compare quotes from a few of the top companies.