Car Insurance for High-Risk Drivers
Car insurance for high-risk drivers is going to be more expensive than a standard policy. If you’re required to obtain an SR-22 certificate, you are considered a high-risk driver and will be subject to expensive high-risk car insurance rates. Enter your ZIP code below to find lower rates on auto insurance for high-risk drivers.
Free Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 16, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
If you have been involved in an auto accident or two, received a few speeding tickets or even gotten pulled over with too much alcohol in your bloodstream, your car insurance rates may go up considerably. The point is that when your driving history reflects poor driving judgment, you could find yourself in a high-risk insurance group where the only insurance available is through non-standard insurers, also called high-risk insurance companies.
Another reason you may need high-risk insurance would be if you had been ordered by the court or DMV to carry an SR-22 certificate of financial responsibility. In this case, you would still be required to carry the state minimum insurance or better, plus the added cost of the SR-22, for the length of time you are required to have it. It is not unusual for a judge to order a person to carry SR-22 coverage for as much as 5 years, which would end up costing you a lot for high-risk coverage.
In some states, you can have a single traffic infraction removed from your driving record by attending driver improvement school. If you use this method you may be able to avoid the cost of high-risk insurance. You would still have to pay for the cost of the course, but the long term benefits would be higher. Bear in mind that even where this option is available, it can only be used once.
Non-standard insurance is not available from all insurers. Some companies will have rates available for high-risk drivers, but others may not cover such drivers at all. As the risk of insuring you increases, fewer and fewer companies will consider the risk worthwhile, and you will be referred to an insurance company which specializes in high-risk coverage.
Once you have secured your high-risk car insurance, it will be time to start bringing the cost of insurance down again. Follow the rules of the road, monitor your credit score, and look for other discounts that may be available, including discounts for safety equipment inside the car like airbags and outside the car like electronic stability control. The more discounts you are able to qualify for, the lower your rates will be, offsetting the higher cost of high-risk coverage.