Getting affordable car insurance as a high-risk driver can be challenging, but it’s not impossible. If you’ve had accidents, traffic violations, DUI charges, or a poor credit score, Getting affordable car insurance as a high-risk driver can be challenging, Car Insurance for High-Risk Drivers. but it’s not impossible. If you’ve had accidents, traffic violations, DUI charges, or a poor credit score, insurers may label you “high-risk”—leading to higher premiums or coverage denials.
insurers may label you “high-risk”—leading to higher premiums or coverage denials.
However, understanding how car insurance works for high-risk drivers, knowing your options, and comparing policies wisely can help you find the best possible coverage without breaking the bank.
This complete guide for 2025 breaks down everything you need to know about car insurance for high-risk drivers—from what qualifies you as high-risk to tips on lowering your premium.
Who Is Considered a High-Risk Driver?
Insurance companies categorize drivers based on the likelihood of filing a claim. If you’re seen as more likely to cause accidents or incur losses, you’re deemed “high-risk.”
Common Reasons You May Be Labeled High-Risk:
| Criteria | Description |
|---|---|
| DUI/DWI Convictions | Driving under the influence is a major red flag for insurers. |
| Multiple Traffic Violations | Speeding, running red lights, or reckless driving raise your risk profile. |
| At-Fault Accidents | Causing one or more accidents can put you in the high-risk category. |
| Poor Credit Score | Many insurers consider credit history when setting premiums. |
| Young or Inexperienced Drivers | Drivers under 25 lack experience, increasing accident likelihood. |
| Lapsed Coverage History | Gaps in auto insurance coverage raise red flags. |
| Exotic or High-Performance Cars | Vehicles that are more costly to repair or replace. |
How Car Insurance Works for High-Risk Drivers
High-risk drivers may face the following:
- Higher Premiums: Rates can be 50–200% higher than standard policies.
- Limited Coverage Options: Fewer insurers may be willing to offer you a policy.
- SR-22 or FR-44 Filing: Required after DUI or serious violations in many U.S. states.
- Usage-Based Insurance (UBI): Your driving behavior is tracked to calculate risk more accurately.
Average Car Insurance Costs for High-Risk Drivers
| Risk Factor | Average Annual Premium (2025 est.) |
|---|---|
| Clean Record | $1,400 |
| One At-Fault Accident | $2,200 |
| DUI Conviction | $3,100 |
| Poor Credit Score | $2,500 |
| Teen Driver (18 y/o) | $4,000+ |
Note: Rates vary based on state, insurer, vehicle, and driving history.
Best Car Insurance Companies for High-Risk Drivers (2025)
| Insurance Provider | Best For | Key Features |
|---|---|---|
| Progressive | DUI / SR-22 Coverage | Competitive rates, online tools, accident forgiveness |
| GEICO | Young Drivers | Strong discounts for good students, defensive driving |
| The General | Drivers with Poor Credit | Accepts drivers with credit or coverage issues |
| Dairyland | SR-22 Filings | Non-standard and high-risk focused coverage |
| State Farm | Rebuilding Records | Safe driving programs, usage-based discounts |
Types of Coverage for High-Risk Drivers
It’s essential to choose the right type of insurance policy, even as a high-risk driver.
1. Liability Insurance
- Covers bodily injury and property damage to others.
- Often required by law.
- Cheapest and most basic option.
2. Collision Coverage
- Pays for damage to your own vehicle in an accident.
3. Comprehensive Insurance
- Covers theft, vandalism, natural disasters, etc.
4. SR-22/FR-44
- Not an insurance policy itself, but a state-mandated form filed by your insurer to prove you have the required coverage.
5. Non-Owner Insurance
- A good option if you don’t own a vehicle but need insurance to drive occasionally or reinstate a license.
How to Lower Car Insurance Costs as a High-Risk Driver
Even with a risky record, there are smart ways to reduce premiums:
1. Compare Quotes from Multiple Insurers
Some insurers specialize in high-risk drivers and may offer better rates than mainstream companies.
2. Improve Your Driving Record
Avoid tickets, take defensive driving courses, and practice safer driving habits.
3. Enroll in a Telematics Program
Usage-based insurance can reward safe driving behavior with lower rates.
4. Maintain Continuous Coverage
Even if it’s expensive, keeping insurance active improves your standing over time.
5. Increase Your Deductible
A higher deductible can reduce monthly premiums—but be sure you can afford the out-of-pocket cost in case of a claim.
6. Look for Discounts
Some available options include:
- Safe driver discounts
- Good student discounts (for young drivers)
- Anti-theft device discounts
- Bundling with homeowners or renters insurance
State-Specific Considerations
Each U.S. state has its own rules for high-risk auto insurance, especially when it comes to SR-22 or FR-44 filings. Here’s a sample comparison:
| State | SR-22 Required for DUI | Minimum Liability Coverage (2025) |
|---|---|---|
| California | Yes | $15,000/$30,000/$5,000 |
| Florida | Yes (FR-44) | $10,000 PIP + $10,000 PD |
| Texas | Yes | $30,000/$60,000/$25,000 |
| Illinois | Yes | $25,000/$50,000/$20,000 |
Always check with your state DMV for the most current requirements.
How Long Will You Be Considered High-Risk?
Generally, your status as a high-risk driver lasts between 3 to 5 years, depending on the severity of the offenses.
| Offense Type | Time on Record (Avg.) |
|---|---|
| Speeding Ticket | 3 years |
| At-Fault Accident | 3–5 years |
| DUI | 5–10 years (varies by state) |
After this period, if you maintain a clean record, your premiums will gradually reduce.
When to Consider a High-Risk Insurance Policy
You might consider high-risk insurance if:
- You’ve been denied coverage by major insurers
- Your license was suspended and you need to file an SR-22
- You’re a young driver or new immigrant without a U.S. driving history
- Your credit score is below 600
These policies may have higher upfront costs, but they ensure you’re legally driving and may help you rebuild your insurance profile.
Final Thoughts
Car insurance for high-risk drivers doesn’t have to be a financial burden forever. While your premiums may be higher initially, smart planning, defensive driving, and shopping around can lead to better rates over time.
By understanding your risk level and working proactively to improve it, you’ll gradually move back into standard driver status, with access to more insurers and lower premiums.
Frequently Asked Questions (FAQs)
Q1: What is SR-22 insurance?
SR-22 is not insurance itself but a certificate your insurer files to prove you have minimum coverage, usually required after serious violations.
Q2: Can I be denied car insurance?
Yes. Some insurers may deny coverage, but many companies specialize in high-risk auto insurance.
Q3: Can high-risk drivers get full coverage?
Yes, though it’s more expensive. You can still opt for collision and comprehensive coverage.
Q4: How long does a DUI affect my insurance?
Typically 3–5 years, but in some states, it may remain on your record for up to 10 years.