Best Cheap Car Insurance for High-Risk Drivers (2022)

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.

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. Insurify makes it easy to find the cheapest car insurance quote for your needs.

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.

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.

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.

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.

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:

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.

Rural states are more accomodating for high-risk drivers. Here’s where high-risk auto insurance coverage costs less than the rest:

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 compare car insurance rates 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?