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Cheap Car Insurance for High-Risk Drivers: Quotes, Discounts for 2022
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Last Updated: January 2022
Quick Facts
- Speeding tickets, at-fault accidents, and DUIs will all classify a driver as high-risk
- The cheapest states for car insurance for high-risk drivers are Hawaii, Vermont, and North Carolina.
- The cheapest insurer we found for high-risk drivers is Metromile, with average premiums of $104 per month.
Everyone makes mistakes and gets unlucky. But sometimes, regret and misfortune will follow you for years—like a blemish on your driving record that’s causing your auto insurance quotes to be sky-high.
You’ll be sold high-risk auto insurance if your driving history includes a few moving violations or traffic violations, a DUI conviction, a ticket for speeding or reckless driving, a revoked or suspended driver’s license, and especially an at-fault accident. When these infractions put you in the high-risk category, your insurance costs can go up quickly.
But don’t worry. If your driving history has some weak points and car insurance companies are considering you high-risk, you don’t have to give up and build your budget around an absurdly high premium. To get cheap car insurance, you’ll just have to shop around and find the company that’s right for you.
If hunting for the best auto insurance quotes sounds like an impossible amount of work, you need to try Insurify. In just a few minutes, it’ll pull real quotes from the best car insurance companies out there, and you’ll have a list of auto insurance quotes tailored to your situation. It’s a huge first step toward cheap car insurance, and it’s free!
Cheapest Companies for High-Risk Drivers
Insurify has looked for the auto insurance companies offering the best premiums on high-risk auto insurance. Metromile has the best rate of anyone, a jaw-dropping $104 per month. As you can see, with the right insurance company, affordable car insurance for high-risk drivers isn’t out of the question.
The highest premiums for high-risk car insurance coverage can exceed $545 per month. Ouch! Young drivers and senior male drivers are also considered high-risk drivers and will sometimes see super high insurance premiums. But even if you’ve been caught driving under the influence, you can probably find better car insurance rates by checking out these cheap companies.
| Insurance Company | Cheapest Monthly Quote for High-Risk Drivers |
|---|---|
| Metromile | $104 |
| Farmers | $131 |
| Amigo USA | $133 |
| Novo | $144 |
| USC&C | $145 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
MORE >> Not ready to commit to a quote? Try our car insurance estimator first.
Cheapest Companies for Drivers with a DUI
If your driving record has a DUI—or DWI, or whatever acronym your state uses for driving under the influence—you’re on the hook for higher premiums. But you already knew that! What you want to know is where to get a cheap auto insurance policy, and these companies are a great place to start.
| Insurance Company | Cheapest Monthly Quote with DUI |
|---|---|
| Amigo USA | $107 |
| USH&C | $114 |
| Novo | $121 |
| First Chicago | $130 |
| Farmers | $132 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
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Cheapest Companies for Drivers with a Prior Accident
An at-fault accident always drags down your car insurance costs—but with these insurance providers, you have a better chance than the rest of getting cheap car insurance despite your driving history.
| Insurance Company | Cheapest Monthly Quote with a Prior Accident |
|---|---|
| Metromile | $99 |
| Farmers | $130 |
| Amigo USA | $133 |
| Kemper | $144 |
| Novo | $146 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Cheapest Companies for Drivers with a Speeding Ticket
While moving violations like speeding tickets do increase your insurance premiums, not every insurance company deals with them equally. If you’re pulled over often, consider taking refuge with these car insurance companies:
| Insurance Company | Cheapest Monthly Quote with a Speeding Ticket |
|---|---|
| Metromile | $124 |
| Amigo USA | $138 |
| Farmers | $141 |
| Novo | $146 |
| TSC Direct | $150 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Tips for Cheaper Car Insurance for High-Risk Drivers
Improve Your Credit Score
A bad driving record is one ding on your auto insurance application, and bad credit just makes it worse. On the flip side, good credit generally means lower premiums. Building up a solid credit history will help balance out some of the misgivings insurance providers might have from past driving violations—while poor credit and a bad driving record tell a discouraging story.
Take a Defensive Driving Course
To prove that you’re working hard to learn better driving habits since you got those infractions on your record, consider a defensive driving course. It tells insurance carriers that you’re truly concerned about the mistakes you’ve made, and other than waiting for time to pass, it’s the best step you can make to a clean driving record.
Change Your Type of Insurance or Deductible
Taking a higher deductible will always lower your premium. And if you drive an older car that isn’t worth much, you can get even lower car insurance premiums by sticking to liability only, avoiding the high cost of full coverage car insurance. When you’re worried about high auto insurance rates, ask an insurance agent what you can do to get your costs down.
Cheapest States for Car Insurance for High-Risk Drivers
Rural states are more accomodating for high-risk drivers. Here’s where high-risk auto insurance coverage costs less than the rest:
| State | Average Monthly Cost of Car Insurance for High-Risk Drivers |
|---|---|
| Hawaii | $136 |
| Vermont | $145 |
| North Carolina | $147 |
| Idaho | $151 |
| Maine | $153 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Frequently Asked Questions
When your driving record has violations or convictions that a car insurance company finds troubling, you may find yourself in the high-risk category. And your insurance costs will be higher than they would be if you had a clean driving record.
Young drivers and drivers over the age of 65 are also of higher risk and pay higher premiums than most.
Higher-risk auto insurance is sometimes called nonstandard auto insurance. But that doesn’t necessarily mean you need an SR-22 certificate that your insurance company sends to your state’s motor vehicles department.
While the most expensive high-risk insurance coverage can be north of $500 per month, affordable car insurance for high-risk drivers is out there. Metromile offers an average premium of just $104 per month.
Knowing how much high-risk auto insurance can range in cost, you must be eager to shop around and compare quotes with different insurance companies. But did you know Insurify can do that for you, for free, in just a couple minutes? Give it a try!
If you have a particularly worrisome conviction on your record, like a DUI, some insurance companies will actually turn you away. But plenty of insurance providers will offer high-risk auto insurance, and some have made it their speciality. It’s just a matter of finding the right company.
The Best Way to Get Cheaper Car Insurance for High-Risk Drivers
Your car insurance rates don’t have to suffer so much from your past. When you’re looking for high-risk auto insurance, it’s important to be patient and wait for the car insurance policy that meets your needs at rates you can afford.
The best way to find that perfect policy is with Insurify, which lets you source quotes from across the insurance industry in just a few minutes. It’s totally free and has helped millions save money. So what are you waiting for?
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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.
