How to Find the Best Car Insurance
for High Risk Drivers in California

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

Compare all car insurance quotes in one place

Compare Quotes

Personalized quotes in less than 2 minutes.

No signup required

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
No Violation
$268
Speeding Ticket
$267
At-Fault Accident
$247
Reckless Driving
$260
Failure to Stop for Red Light / Stop Sign
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.

What Are the Best Car Insurance Companies for High-Risk Drivers in California?

High-risk drivers in California have plenty of car insurance options, and some companies even specialize in providing policies to these drivers. Though high-risk policies are traditionally more expensive, you can still find your best deal by shopping around. Below are some of the cheapest car insurance companies and rates for high-risk drivers in the California
CarrierAvg. 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

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 HistoryAvg. Monthly Cost
No Violation$237
Speeding Ticket$268
At-Fault Accident$267
Reckless Driving$247
Failure to Stop for Red Light / Stop Sign$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
No Violation - Avg. Monthly Rate
$268
Speeding 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
No Violation - Avg. Monthly Rate
$267
Speeding 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
No Violation - Avg. Monthly Rate
$260
Speeding 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.