4.8out of 3,000+ reviews

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

Secure. Free. Easy-to-use.
auto insurance

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Charlie Mitchell
Written by
Charlie Mitchell
Photo of an Insurify author
Written by
Charlie Mitchell
Insurance Writer
Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.
Jackie Cohen
Edited by
Jackie Cohen
Photo of an Insurify author
Edited by
Jackie Cohen
Editorial Manager
Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.Jackie's work has been cited in USA Today, The Balance, and The Washington Times.
Amber Benka
Reviewed by
Amber Benka
Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated June 15, 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 quotes.

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.

Cheapest Car Insurance for High-Risk Drivers

What is high-risk car insurance?

High-risk car insurance is insurance for drivers who have a record of risky driving behavior. A history of moving violations, DUIs, speeding tickets, or other driving infractions will classify a driver as high-risk to insure.

The highest premiums for high-risk car insurance coverage can exceed $600 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.

See More: Best Car Insurance Companies

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 CompanyAverage Monthly Quote
Amigo USA$107
Clearcover$161
Travelers$169
National General$174
Kemper$183
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.

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 CompanyCheapest Monthly Quote with a Prior Accident
Metromile$99
Farmers$130
Amigo USA$133
Kemper$144
National General$195
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Cheap Car Insurance

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 CompanyCheapest 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.

See More: Best and Worst Sites to Compare Car Insurance

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:

StateAverage Monthly Quote for High-Risk Drivers
Hawaii$136
Vermont$145
North Carolina$147
Idaho$151
Maine$153
New Hampshire$159
Ohio$166
Indiana$166
Massachusetts$166
Montana$169
North Dakota$171
South Dakota$173
Wyoming$175
Iowa$176
Wisconsin$177
Illinois$178
New Mexico$181
Tennessee$188
Minnesota$191
Pennsylvania$193
Utah$194
Nebraska$203
Alaska$203
Oregon$205
Kansas$216
Alabama$216
Virginia$217
Oklahoma$221
Arkansas$237
West Virginia$238
Mississippi$239
Arizona$240
California$243
Washington$245
Colorado$258
Washington, D.C.$262
Missouri$278
Texas$282
Kentucky$296
Connecticut$297
New Jersey$305
Florida$314
South Carolina$322
Delaware$322
Maryland$326
Nevada$341
New York$341
Rhode Island$352
Georgia$359
Louisiana$394
Michigan$422
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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.

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.

  • 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. However, comparing car insurance quotes will allow you to identify the cheapest monthly car insurance rates so you know you’re not overpaying.

  • 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 specialty. It’s just a matter of finding the right company.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Charlie Mitchell
Written by
Charlie Mitchell
Linkedin

Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

Learn More
Jackie Cohen
Edited by
Jackie Cohen
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Jackie Cohen
Editorial Manager
Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.Jackie's work has been cited in USA Today, The Balance, and The Washington Times.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.