Cheap Car Insurance for High-Risk Drivers in California:
Costs and Quotes (2021)
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- Car Insurance in California
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Cheapest Insurance Companies for High Risk Drivers in California (2021)
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 | |
|---|---|
 Anchor | $153/mo |
 21st Century Insurance | $153/mo |
 Bluefire Insurance | $155/mo |
 Freedom National | $175/mo |
 Travelers | $176/mo |
 Clearcover Inc | $185/mo |
 SafeAuto | $197/mo |
 Aspire General Insurance | $208/mo |
 National General | $233/mo |
 Mercury | $235/mo |
What’s in the California High-Risk Car Insurance Guide?
- What Makes a Driver High-Risk in California?
- How Much Does High-Risk Driving Affect Car Insurance Rates in California?
- How Much Does a Speeding Ticket Impact Car Insurance Rates in California?
- How Does an at-Fault Accident Impact Insurance Rates in California?
- How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in California?
- Does Driving With a Suspended License Impact Car Insurance Rates 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
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?
Here are the typical rate increases you can expect to see if you have a speeding ticket on your record in California.
How Does an at-Fault Accident Impact Insurance Rates in California?
Here are the typical rate increases you can expect to see if you have an at-fault accident on your record in California.
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in California?
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.
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.
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.
Insurify Rate Comparison Methodology
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
