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California Car Insurance for High Risk Drivers (With Quotes)
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Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in California (2022)
For drivers that are high-risk in California, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in California. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in California.
| Carrier | Avg. Monthly Cost |
|---|---|
| Anchor | $153 |
| 21st Century Insurance | $153 |
| Bluefire Insurance | $155 |
| Freedom National | $175 |
| Travelers | $176 |
| Clearcover Inc | $185 |
| SafeAuto | $197 |
| Aspire General Insurance | $208 |
| National General | $233 |
| Mercury | $235 |
What Makes a Driver High-Risk in California?
When car insurance companies take on a new customer, they accept a certain amount of risk. While some risk is OK, high-risk customers come with a lot of bad driving baggage. To insurance companies, this baggage implies a greater chance of more claims debt.
To be pegged as a high-risk driver in the state of California, you have to have made some pretty serious driving mistakes, including but not limited to: speeding, having one too many at-fault accidents, being convicted of a DUI/DWI, or reckless driving. Though high-risk drivers in California have to pay higher monthly premiums, they still have plenty of insurance options available
California Car Insurance Rates for High-Risk Drivers
No Violation$237
Reckless Driving$247
Failure to Stop$260
At-Fault Accident$267
Speeding Ticket$268
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in California?
Adding a high-risk driving charge to their record isn't on anyone's to-do list, but it happens. Improper passing, speeding, and excessive lane changing are all actions that can get you high-risk driving charge in California.
Though doing better next time is your best option, your insurance company won't be so quick to forgive. Drivers with this kind of mistake on their record can expect to see a monthly rate increase of over four percent. Shopping around is indeed your best option and can return you a handful of competitive rates like the ones from Insurify.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $237 |
| Speeding Ticket | $268 |
| At-Fault Accident | $267 |
| Reckless Driving | $247 |
| Failure to Stop | $260 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in California?
Going too fast on California roads can earn you a speeding ticket, add points to your driving record, and raise your monthly insurance premium by more than $30.
Here are the typical rate increases you can expect to see if you have a speeding ticket on your record in California.
No Violation - Avg. Monthly Rate$237
Speeding ticket - Avg. Monthly Rate$268
$31 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in California?
While an at-fault accident in California can raise your insurance rates by over $30 a month, you won't be without insurance options at all.
Here are the typical rate increases you can expect to see if you have an at-fault accident on your record in California.
No Violation - Avg. Monthly Rate$237
Speeding ticket - Avg. Monthly Rate$267
$30 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in California?
Rolling through a red light or stop sign in California could increase your insurance rates by over $20 a month-that's $240 a year. Though this mistake may prevent you from getting the cheapest rates out there, it can't keep you from shopping around for something better.
Here are the typical rate increases you can expect to see if you have a failure to stop at a red light or stop sign on your record in California.
No Violation - Avg. Monthly Rate$237
Speeding ticket - Avg. Monthly Rate$260
$23 ▴
Avg. Monthly Rate Increase
Does Driving With a Suspended License Impact Car Insurance Rates in California?
When car insurance companies take on a new customer, they accept a certain amount of risk. While some risk is OK, high-risk customers come with a lot of bad driving baggage. To insurance companies, this baggage implies a greater chance of more claims debt.
To be pegged as a high-risk driver in the state of California, you have to have made some pretty serious driving mistakes, including but not limited to: speeding, having one too many at-fault accidents, being convicted of a DUI/DWI, or reckless driving. Though high-risk drivers in California have to pay higher monthly premiums, they still have plenty of insurance options available
Tips for Researching High-Risk California Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like California draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
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Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - California Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county California. Insurify analyzed the latest data for the five most populous cities in California to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in California and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.