If you’re considered a high-risk driver, getting affordable car insurance can feel like climbing a steep hill. But the good news is, you’re not alone and you’re not out of options. Whether your driving record includes accidents, DUIs, speeding tickets, or you’re a new or young driver, there are still ways to find competitive car insurance quotes. This guide will help you compare car insurance quotes for high-risk drivers effectively and understand how to save money despite a shaky driving history.
Who Is Considered a High-Risk Driver?
Insurance companies classify drivers as “high-risk” based on several factors that suggest a greater likelihood of filing a claim. These can include:
- A history of traffic violations (e.g., speeding tickets, reckless driving)
- Driving under the influence (DUI or DWI)
- Multiple at-fault accidents
- Lapses in insurance coverage
- Poor credit score (in some states)
- Inexperience (new or teen drivers)
- Driving a high-performance or modified car
If you fall into any of these categories, insurers may see you as more expensive to insure, often resulting in higher premiums.
Why Comparing Quotes Is Crucial for High-Risk Drivers
Unlike standard drivers who may see minor differences in rates between companies, high-risk drivers can face dramatic price variations. Some insurance providers specialize in non-standard auto insurance, meaning they cater to high-risk profiles.
Key Reasons to Compare:
- Wide rate differences: One company may quote you $250/month, another $400+ for the same coverage.
- Different risk tolerance: Some insurers are more lenient with past violations.
- Bundling discounts: Companies may offer better deals if you bundle auto with home or renter’s insurance.
- State-by-state variation: Rates and eligibility differ based on state laws and insurance regulations.
How to Compare Car Insurance Quotes for High-Risk Drivers
Here’s a step-by-step guide to comparing quotes the smart way:
1. Gather Your Personal Information
To get an accurate quote, you’ll need:
- Driver’s license number
- Vehicle Identification Number (VIN)
- Driving history (accidents, violations, claims)
- Mileage and usage of the car
- Prior insurance details
2. Use Online Comparison Tools
Websites like The Zebra, Compare.com, Gabi, and NerdWallet let you compare real-time quotes from multiple insurers side-by-side. These platforms are especially useful if you want to:
- Save time
- Avoid repeated data entry
- See real-time rate comparisons
3. Include High-Risk-Friendly Insurance Providers
Some insurance companies are known to work better with high-risk drivers:
- Dairyland
- The General
- Acceptance Insurance
- National General
- Infinity Insurance
Including these in your quote comparison can uncover lower rates.
4. Evaluate Coverage Options
Never just look at the price—consider what’s included:
- Liability limits
- Comprehensive and collision
- Uninsured/underinsured motorist protection
- Roadside assistance
- Rental reimbursement
A cheap policy that doesn’t protect you adequately is a bad investment.
5. Check for Discounts
Even high-risk drivers can qualify for discounts:
- Defensive driving course completion
- Good student (if you’re under 25 and in school)
- Multi-policy or multi-vehicle bundling
- Usage-based insurance (UBI) or telematics programs
What Type of Coverage Should High-Risk Drivers Consider?
While state minimum coverage may be tempting due to cost, it’s often insufficient. Consider:
- Full coverage (liability + collision + comprehensive): Ideal if your car is newer or financed.
- SR-22 Insurance: If mandated after a DUI or serious violation, you’ll need an SR-22 certificate.
- Higher deductibles: You can save on premiums by opting for a higher out-of-pocket deductible.
How Much Does Car Insurance Cost for High-Risk Drivers?
On average, high-risk drivers pay 50% to 200% more than standard drivers. The exact premium depends on:
- The severity and frequency of violations
- Your age and driving experience
- Location
- Type of vehicle
- Coverage levels
Example Comparison (Monthly Rates):
| Driver Profile | Standard Insurer | High-Risk Insurer |
|---|---|---|
| DUI + 1 At-Fault Accident | $380 | $260 |
| Teen with Speeding Ticket | $420 | $290 |
| Adult with Lapsed Coverage | $310 | $200 |
These are illustrative estimates and will vary by state and provider.
How to Lower Your High-Risk Insurance Premiums
Being high-risk doesn’t mean you’re stuck with high rates forever. Here are some ways to lower your costs:
✔ Improve Driving Habits
Avoid tickets and accidents for at least 3 years to start improving your profile.
✔ Take a Defensive Driving Course
Some insurers offer discounts up to 10% if you complete an approved course.
✔ Use Telematics Programs
Some providers let you install a driving monitor in your vehicle. If you drive safely, you can earn up to 30% off.
✔ Requote Regularly
Your rates may decrease as old violations fall off your record. Re-shop every 6–12 months.
✔ Choose the Right Vehicle
Avoid sports cars and luxury vehicles. Opt for a safe, mid-range model with good crash test ratings.
Final Thoughts
Finding affordable insurance as a high-risk driver is not easy—but it’s entirely possible. By comparing car insurance quotes, targeting high-risk-friendly providers, and taking steps to improve your driving profile, you can still secure coverage that fits your budget.
Don’t settle for the first quote you get. Use comparison platforms, ask about discounts, and shop around every year. With the right strategy, you can drive legally and save money, even with a high-risk label