Introduction
Finding affordable car insurance as a high-risk driver can feel impossible. Accidents, DUIs, or speeding tickets label you as “high-risk,” leading to higher premiums. However, some insurers specialize in covering risky drivers at reasonable rates.
This guide reveals the best car insurance companies for high-risk drivers in 2024. We’ll compare costs, coverage options, and eligibility requirements. Let’s help you get back on the road without breaking the bank.
What Makes a Driver “High-Risk”?
Common Reasons for High-Risk Classification
- Multiple traffic violations (speeding, reckless driving).
- At-fault accidents (especially recent ones).
- DUI/DWI convictions (major red flag for insurers).
- Young or inexperienced drivers (under 25 with poor records).
How Insurers Determine Risk
Insurance companies check:
✔ Driving record (last 3-5 years).
✔ Credit score (low scores may increase rates).
✔ Claims history (frequent claims = higher risk).
Best Car Insurance Companies for High-Risk Drivers (2024)
1. GEICO – Best for Affordable Rates
- Why? Competitive pricing even for high-risk drivers.
- Pros: Low premiums, easy online quotes, accident forgiveness (in some states).
- Cons: Strict eligibility in some cases.
2. Progressive – Best for SR-22 & DUI Drivers
- Why? Specializes in SR-22 filings (required after DUIs).
- Pros: Flexible payment plans, usage-based discounts (Snapshot program).
- Cons: Rates can vary widely by state.
3. State Farm – Best for Personalized Service
- Why? Local agents help high-risk drivers find solutions.
- Pros: Good driver rewards, accident forgiveness.
- Cons: Higher premiums than some competitors.
4. The General – Best for Very Poor Records
- Why? Designed for drivers with multiple violations.
- Pros: Fast approvals, low down payments.
- Cons: Higher long-term costs.
5. Dairyland – Best for Motorcycle & Non-Standard Drivers
- Why? Covers high-risk motorcyclists and drivers with suspensions.
- Pros: SR-22 filings, custom payment plans.
- Cons: Limited availability in some states.
How to Lower Your Premiums as a High-Risk Driver
1. Compare Multiple Quotes
- Rates vary significantly between insurers.
- Use comparison tools to find the cheapest option.
2. Take a Defensive Driving Course
- Completing an approved course can reduce premiums by 5-15%.
- Some insurers waive violations after course completion.
3. Opt for Higher Deductibles
- A $1,000 deductible lowers monthly payments.
- Only choose this if you can afford the out-of-pocket cost.
4. Improve Your Credit Score
- Many insurers use credit-based insurance scores.
- Paying bills on time helps lower rates over time.
5. Drive Less (Usage-Based Insurance)
- Programs like Progressive Snapshot track mileage.
- Low-mileage drivers get discounts.
Types of Coverage High-Risk Drivers Need
1. Liability Insurance (Mandatory in Most States)
- Covers other drivers’ injuries/property damage in an at-fault accident.
- Minimum requirements vary by state.
2. SR-22 Insurance (For DUIs & Serious Violations)
- Proof of financial responsibility required by courts.
- Filed by your insurer for 3-5 years.
3. Collision & Comprehensive Coverage
- Covers your own car in accidents, theft, or natural disasters.
- Required if you have a loan or lease.
4. Uninsured/Underinsured Motorist Protection
- Protects you if hit by a driver with no or low coverage.
- Highly recommended for high-risk drivers.
How to Get Car Insurance After a DUI
Step 1: Find an SR-22 Provider
- Not all insurers offer SR-22 filings.
- Progressive, The General, Dairyland are top choices.
Step 2: Expect Higher Rates
- DUIs can double or triple premiums.
- Prices decrease after 3-5 years of clean driving.
Step 3: Maintain a Clean Record
- Avoid any further violations.
- Over time, insurers will lower your rates.
Worst Insurance Companies for High-Risk Drivers
❌ Farmers – Often denies high-risk applicants.
❌ Allstate – Very high premiums for risky drivers.
❌ USAA – Only for military (strict eligibility).
Final Tips for High-Risk Drivers
✔ Shop every 6 months – Rates improve as violations age.
✔ Bundle policies (home + auto) for discounts.
✔ Avoid lapses in coverage – Gaps increase future costs.
Conclusion
High-risk drivers can find affordable insurance. GEICO, Progressive, and The General are top picks for 2024. Compare quotes, improve your driving record, and explore discounts to lower costs.
With the right insurer, you can rebuild your record and save money over time. Drive safely and shop smart!