2024-01-01 · auto, personal, high-risk, rates

Cheapest Auto Insurance for High-Risk Drivers

Overview

High-risk drivers include those with recent accidents, tickets, or lapses in coverage. While premiums are higher, you can still find affordable coverage by shopping multiple carriers and adjusting policy options.

What triggers high-risk pricing

• Recent accidents or violations like speeding or at-fault collisions.
• DUI or reckless driving on your record.
• Coverage lapses or frequent claims.
• Credit-based insurance scores in states where allowed.

Ways to reduce your premium

1. Shop widely including regional and nonstandard insurers.
2. Improve your driving record and avoid new violations.
3. Choose higher deductibles to reduce premium costs.
4. Complete defensive driving courses for eligibility discounts.

Coverage considerations

• State minimum vs. higher limits: minimums are cheaper but risky.
• SR-22 filings: required after certain violations, increasing fees.
• Vehicle choice: older, less expensive cars cost less to insure.

Tips for long-term savings

• Maintain continuous coverage for at least 6–12 months.
• Bundle policies if you also need renters or homeowners insurance.
• Re-shop after violations fall off your record.

Frequently asked questions

How long am I considered high risk? Many violations impact pricing for 3–5 years, depending on the state and insurer.

Can I switch carriers with an SR-22? Yes. The new insurer can file the SR-22, but the policy must stay active.