Uncover affordable car insurance options for high-risk drivers. Learn about available coverages, how to lower your rates and more.
U.S. News offers advice on the best car insurance for high-risk drivers, including people who need an SR-22 and those with a DUI on their record.
Car insurance companies consider motorists with a history of at-fault accidents, speeding tickets or DUI convictions high-risk drivers and charge them some of the highest rates of any demographic. ; An at-fault accident can spike your premiums by 45%, for example. ; However, being a new driver or having bad credit can also land you in the high-risk category. ; While you’ll still likely pay more for coverage, some insurers offer lower rates and better coverage options than others. We’ve chosen the top car insurance companies for drivers in a variety of high-risk categories. (See our methodology for more information.)
National average full coverage premium : $2,543, National average full coverage premium after speeding ticket : $3,069, Premium impact : +21%, National average full coverage premium : $2,543, National average full coverage premium after at-fault accident : $3,577, Premium impact : +41%, National average full coverage premium : $2,543, National average full coverage premium after DUI : $4,790, Premium impact : +88%, National average full coverage premium : $2,543, 16-year-old driver : $5,469, 17-...
The term “high-risk driver” isn’t a formal legal or insurance classification, but being seen as a high-risk driver can affect the cost of your car insurance.
Good2Go specializes in high-risk auto insurance and minimum state coverage. Read our review to learn more.
American Family, Geico, Nationwide and USAA offer the best car insurance for high-risk drivers, according to Forbes Advisor's 2024 analysis.
U.S. News offers advice on the best SR-22 insurance for high-risk drivers who may have trouble finding coverage.
Understanding High-Risk Car Insurance and How to Get Coverage Car insurance is mandatory for all drivers, but some may find it difficult to secure coverage due to a history of accidents, traffic vi...
Michigan drivers pay an average of $1,360 per year or $113 per month for minimum coverage and $3,643 a year or $304 a month for full-coverage car insurance. ; Michigan car insurance rates are as much as 81% to 117% higher than the national average. ; Unlike with most other states, Michigan car insurance companies cannot use location, gender, marital status or select other factors to set car insurance premiums.