Will all insurance providers cover high-risk drivers?
Not all insurance providers cover high-risk drivers, but many recognizable insurance companies do offer insurance for high-risk drivers. Your level of risk impacts your insurance rates, and being a high-risk driver means you can expect to pay more for coverage. On average, speeding violations can increase rates by 13% while DUI/DWI high-risk car insurance rates are 27% more expensive than average.
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UPDATED: Apr 23, 2021
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- Every car insurance company performs a risk assessment when you apply for a policy.
- Finding the best car insurance company for high-risk drivers depends on your level of risk.
- Being a high-risk driver means you will pay more for car insurance.
Finding affordable high-risk auto insurance rates is easy when you comparison shop online. But will all insurance providers cover high-risk drivers? The answer is no.
Every car insurance company performs a risk assessment when you apply for a policy. Your level of risk is impacted by your age, the kind of car you drive, where you live, your credit score, your driving record, and more.
If you have more than one violation on your driving record, you may be pushed into a higher-risk category. If you file an SR-22 form, you will definitely be in a higher-risk category. More risk means higher insurance rates, and you will have to shop for coverage from high-risk auto insurance companies.
Does GEICO cover high-risk drivers? Yes, and many of the other big car insurance companies you know cover high-risk drivers.
If you need to buy insurance for high-risk drivers, enter your ZIP code above to start comparing insurance quotes from local companies and find a provider near you that covers high-risk drivers.
Which companies provide insurance for high-risk drivers?
There are insurance companies explicitly designed for high-risk drivers, and some standard insurance companies also offer high-risk coverage at higher premiums. It’s important to shop around and compare policies before buying high-risk car insurance.
Take a look at this list of high-risk auto insurance companies. Are any of these providers available near you?
- State Farm
- The General
- Infinity Insurance
- American Family
- 21st Century
- Bristol West
- Kemper Auto
- Direct Auto
- Safe Auto
This list isn’t comprehensive. Depending on where you live, coverage can vary, and not all auto insurance companies cover high-risk drivers. You may find a better policy with more local car insurance companies that only look back three years.
Keep your options open by comparison shopping online. It’s the only way to guarantee you’re getting the most affordable high-risk car insurance and the cheapest SR-22 insurance costs.
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What are the best high-risk auto insurance companies?
Not all car insurance providers cover high-risk drivers but finding the best high-risk car insurance company greatly depends on the type of risk you pose. Having a low credit score will raise your rates, but a DUI charge poses a more deadly risk and will raise them even more.
The best high-risk car insurance company will offer the best rates for your level of risk. Take a look at the table below to see the average rate increase per violation:
States that Require Uninsured/Underinsured Motorist Coverage
States Minimum Auto Insurance Requirements Coverage Limits
Connecticut BI & PD liability, UM, UIM 25/50/25
D.C. BI & PD liability, UM 25/50/10
Illinois BI & PD liability, UM, UIM 25/50/20
Kentucky BI & PD liability, PIP, UM, UIM 25/50/25
Maine BI & PD liability, UM, UIM, Medpay 50/100/25
Maryland BI & PD Liability, PIP, UM, UIM 30/60/15
Minnesota BI & PD liability, PIP, UM, UIM 30/60/10
Missouri BI & PD liability, UM 25/50/25
Nebraska BI & PD liability, UM, UIM 25/50/25
New Jersey BI & PD liability, PIP, UM, UIM 15/30/5
New York BI & PD liability, PIP, UM, UIM 25/50/10
North Carolina BI & PD liability, UM, UIM 30/60/25
North Dakota BI & PD liability, PIP, UM, UIM 25/50/25
Oregon BI & PD liability, PIP, UM, UIM 25/50/20
South Carolina BI & PD liability, UM 25/50/25
South Dakota BI & PD liability, UM, UIM 25/50/25
Vermont BI & PD liability, UM, UIM 25/50/10
Virginia BI & PD liability (7), UM, UIM 25/50/20
West Virginia BI & PD liability, UM, UIM 25/50/25
Wisconsin BI & PD liability, UM, Medpay 25/50/10
These average rates will help you find the high-risk insurance company offering the best premium price for your policy. Some high-risk home insurance companies also offer auto insurance, and you may be able to lower your rates by bundling your high-risk policies.
Will all insurance providers cover high-risk drivers? No, but that doesn’t mean you can’t find affordable high-risk coverage. Enter your ZIP code below for free car insurance quotes from local companies to get the best price on your policy.