Cheap Car Insurance for High-Risk Drivers in California:
Costs and Quotes (2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in California.

Enter your zipcode to get started

Facebook following

24,000

Followers

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Full starFull starFull starFull starFull star
3689 Reviews

Insurify is rated 4.8 out of 5 based on 3689 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!


Last Updated: January 2022

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.

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
Average Monthly Cost
$237
$268
$267
$247
$260
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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
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.
$237
$268
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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.
$237
$267
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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.
$237
$260
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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.

Top Auto Insurance Companies

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.

FAQs - California Car Insurance

Why is car insurance so expensive in California?

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.

Do car insurance rates vary by county in California?

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.

Which providers have the best auto insurance ratings in California?

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.

How much do annual auto insurance rates increase in California?

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.

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.