If you ’ re having trouble oneself getting car indemnity because of a lapse in coverage, an at-fault cable car accident, bad credit or a DUI, you may need a policy from a nonstandard insurance company, besides known as a bad car policy company. Nonstandard companies sell car indemnity to drivers who are the bad to cover and may not be able to find policies from standard companies. bad insurance companies typically charge customers higher rates than standard insurers.

What is a high-risk driver?

not every “ bad driver ” has a bad driving read. The bad class includes a large swath of drivers, many of whom can ’ triiodothyronine catch coverage from major insurers. many companies specialize in bad car indemnity, but there ’ s no unmarried definition all carriers use. bad drivers may include people who :

  • Have tickets, at-fault accidents or DUI convictions .
  • Have allowed their coverage to backsliding .
  • Are newly licensed .
  • Are aged .
  • Have poor credit .
  • Own an exotic or high-octane fomite .

bad car indemnity companies will typically cover drivers who need an SR-22 or an FR-44, which certify you have enough insurance after a rape. Insurers will file the form with your state ’ second department of motor vehicles if you need one.

Where to find affordable high-risk auto insurance

Although a few major policy companies, such as Geico and Progressive, do accept some bad drivers, others like safe Auto and The General specialize in them. Depending on the gamble factor in wonder, any of these companies could offer the lowest car indemnity rates. certain agencies and brokers like Good2Go and Freeway Insurance besides provide nonstandard insurance. Brokers charge an extra fee that they ’ rhenium typically required to disclose. If you use one, ask if there are any extra fees not included in your car indemnity quote.

The best high-risk auto insurance companies

If you ’ re considered a bad driver, shopping around for the best rates is crucial because each insurance company prices policies differently. NerdWallet has evaluated both traditional and nonstandard car indemnity companies. here ’ s a list of ratings for insurers that offer policies to at least some bad drivers .

bad car policy company NerdWallet rat
Geico

4.5 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

progressive

5.0 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

direct Auto Insurance

3.5 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

eternity insurance

2.5 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

twenty-first hundred

3.0 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

toleration

2.0 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bristol West

3.0 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

The General Insurance

2.5 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Kemper

3.0 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

National General Insurance

3.0 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

safe Auto

2.5 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Dairyland

2.5 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Gainsco

2.0 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

NerdWallet ’ mho car indemnity ratings are determined by our editorial team. The scoring formula takes into account price and discounts, the relief of filing a claim, web site foil, fiscal intensity, complaint data from the National Association of Insurance Commissioners and other considerations.

How much does high-risk car insurance cost?

bad drivers are probably to pay more than $ 565 per year, the average national price for minimal coverage car indemnity according to NerdWallet ’ mho rate analysis. But car insurance rates at every hazard degree vary widely depending on your long time, driving history, location and early factors, like the type of coverage you buy. For example, “ full coverage ” car policy can cost more than double what you ’ five hundred yield for minimum coverage. Full coverage refers to a combination of unlike car indemnity coverages, including higher liability limits, collision and comprehensive policy. Below are the modal annual rates for minimum coverage for drivers with bad credit, an at-fault accident or a DUI, as compared to drivers with good credit and a clean drive history. If you don ’ thymine want to skimp on coverage, you can change indemnity companies to find a better manage. bad drivers, like all drivers, can find the cheapest policy rates by shopping around. We can ’ t bode what your claim pace will be, but we can provide averages for drivers with bad profiles. This includes consumers with bad credit or with an at-fault bust up or DUI on their read.

The cost of car insurance with bad credit

Below are the modal annual car indemnity rates for drivers with poor credit .

Driver long time Full coverage minimum coverage
25 $ 3,373 $ 1,164
40 $ 2,812 $ 984

Full coverage rates listed include indebtedness, comprehensive examination, collision and uninsured/underinsured motorist coverage. Insurers in most states use a credit-based policy mark, which is slenderly unlike from your regular credit score, to help determine how likely you are to file a claim. Your even credit score is typically a good indicator of your credit-based indemnity score. Using recognition history to calculate car insurance rates is illegal in California, Hawaii, Massachusetts and Michigan, but our 2021 car insurance rate analysis found that regretful citation can double your insurance costs in other states. That ’ s why it ’ s crucial to shop around. Below are the average annual premiums for minimum coverage in every state of matter for a 25-year-old driver with poor people accredit .

express annual agio ( minimum coverage )
alabama $ 1,024
alaska $ 707
arizona $ 1,182
Arkansas $ 1,090
California* $ 757
colorado $ 1,033
connecticut $ 1,905
delaware $ 1,600
Florida $ 1,982
georgia $ 1,406
Hawaii* $ 326
Idaho $ 612
Illinois $ 1,029
Indiana $ 907
Iowa $ 593
Kansas $ 928
Kentucky $ 1,641
Louisiana $ 1,813
maine $ 776
maryland $ 1,645
Massachusetts* $ 479
Michigan* $ 1,210
minnesota $ 1,274
Mississippi $ 964
missouri $ 977
Montana $ 670
nebraska $ 902
nevada $ 1,440
New Hampshire $ 1,086
New Jersey $ 1,559
New Mexico $ 792
New York $ 2,724
North Carolina $ 544
North Dakota $ 698
ohio $ 826
oklahoma $ 832
oregon $ 1,279
Pennsylvania

$ 846
Rhode Island $ 1,663
South Carolina $ 1,409
South Dakota $ 627
tennessee $ 941
Texas $ 1,121
utah $ 1,154
vermont $ 670
Virginia $ 1,063
Washington $ 873
Washington, D.C . $ 1,335
West Virginia $ 991
wisconsin $ 2,058
Wyoming $ 562
*Using credit history to calculate cable car indemnity rates is illegal in these states .

Car insurance costs for drivers with an at-fault accident

National modal car policy rates for drivers with an at-fault accident are as follows :

Driver age Full coverage minimum coverage
25 $ 2,848 $ 1,023
40 $ 2,439 $ 884

On average, car indemnity rates go improving about 50 % after an at-fault accident, according to NerdWallet analysis. In addition to a base-rate increase for the bust up, you may lose any “ well driver ” discounts associated with your policy. other marks on your record and the asperity of the accident will determine how much your rates increase. Below is the average annual premium for minimal coverage in every express for a 25-year-old driver with one at-fault accident .

state annual premium ( minimum coverage )
alabama $ 881
alaska $ 707
arizona $ 1,013
Arkansas $ 899
California $ 1,386
colorado $ 940
connecticut $ 1,567
delaware $ 1,306
Florida $ 1,078
georgia $ 1,444
hawaii $ 449
Idaho $ 570
Illinois $ 869
Indiana $ 703
Iowa $ 445
Kansas $ 806
Kentucky $ 1,440
Louisiana $ 1,674
maine $ 677
maryland $ 1,414
Massachusetts $ 818
Michigan $ 1,719
minnesota $ 1,031
Mississippi $ 938
missouri $ 796
Montana $ 598
nebraska $ 718
nevada $ 1,445
New Hampshire $ 730
New Jersey $ 1,434
New Mexico $ 687
New York $ 1,749
North Carolina $ 775
North Dakota $ 602
ohio $ 649
oklahoma $ 804
oregon $ 1,169
pennsylvania $ 767
Rhode Island $ 1,485
South Carolina $ 1,074
South Dakota $ 459
tennessee $ 777
Texas $ 1,120
utah $ 1,004
vermont $ 564
Virginia $ 899
Washington $ 870
Washington, D.C . $ 1,118
West Virginia $ 866
wisconsin $ 598
Wyoming $ 501

An accident by and large affects car indemnity rates for three to five years, then be certain to shop for car policy quotes on those anniversaries.

Car insurance costs for drivers with a DUI

Having a DUI on your record could closely double your car indemnity rates, according to NerdWallet ’ sulfur analysis. Below are the average annual car policy rates for a driver with a DUI .

Driver age Full coverage minimum coverage
25 $ 3,656 $ 1,343
40 $ 3,114 $ 1,152

As constantly, these rates fluctuate significantly depending on express and company. Below are the average annual rates for minimal coverage in every state for a 25-year-old driver with a history of DUI .

state annual premium ( minimum coverage )
alabama $ 1,054
alaska $ 762
arizona $ 1,407
Arkansas $ 1,088
California $ 1,942
colorado $ 1,203
connecticut $ 2,123
delaware $ 1,786
Florida $ 1,317
georgia $ 1,690
hawaii $ 1,182
Idaho $ 692
Illinois $ 1,084
Indiana $ 911
Iowa $ 554
Kansas $ 1,048
Kentucky $ 1,915
Louisiana $ 2,546
maine $ 680
maryland $ 1,665
Massachusetts $ 901
Michigan $ 3,718
minnesota $ 1,429
Mississippi $ 1,002
missouri $ 936
Montana $ 706
nebraska $ 763
nevada $ 1,721
New Hampshire $ 968
New Jersey $ 1,760
New Mexico $ 879
New York $ 2,038
North Carolina $ 935
North Dakota $ 625
ohio $ 913
oklahoma $ 827
oregon $ 1,352
pennsylvania $ 987
Rhode Island $ 2,103
South Carolina $ 1,292
South Dakota $ 575
tennessee $ 1,088
Texas $ 1,363
utah $ 1,224
vermont $ 687
Virginia $ 1,198
Washington $ 1,130
Washington, D.C . $ 1,273
West Virginia $ 1,098
wisconsin $ 796
Wyoming $ 659

again, shopping around for a bad policy is the best room to find the cheapest policy available.

Evaluating high-risk auto insurance companies

As you compare bad car indemnity options, look for a company that is financially strong ( so you can be convinced it ’ ll be able to pay claims ) and that doesn ’ deoxythymidine monophosphate have besides many complaints. here ’ s what you should evaluate : Complaints : The National Association of Insurance Commissioners collects data on complaints about policy companies and calculates a ratio for each type of policy. The NAIC ’ randomness ratios are based on the numeral of complaints filed against an policy company with submit regulators, adjusted for market share. The national median is 1.00. very high complaint ratios — higher than 1.7 — are out of the average and much indicate a company has had many restless customers relative to the value of premiums it has written during the class. fiscal potency : The fiscal lastingness of a party tells you how likely it is the insurance company can pay a claim. An insurance company with any of the A grad is a safe bet, but not all car policy companies have a fiscal forte rat. A company could be unrated by A.M. Best for a variety show of reasons, including that the company hasn ’ thyroxine requested a rat or requests not to be rated anymore.

If no car insurance company will accept you

even after applying to several nonstandard insurance companies, you may still be denied coverage. As a last recourse, you can turn to your country ’ sulfur bad insurance pool through the Automobile Insurance Plan Service Office.

How to avoid high car insurance rates

Some factors that insurers view as bad, such as age, are outside your control. Others, like owning a illusion car, may not be things you want to change. In cosmopolitan, here are some ways to get out of the bad policy class ( and lower your rates ) adenine soon as possible :

  • Take steps to improve your credit. Drivers with hapless credit and a clean drive record can pay about as much for car insurance as a driver with a DUI, according to NerdWallet ’ randomness 2021 rate analysis .
  • Drive safely. You can even take a driver safety course and gain discounts from some companies after completion.
  • shop for better insurance rates three years and five years after a traffic misdemeanor conviction .
  • Don ’ t let your car indemnity elapse. Drivers with a break in coverage are labeled bad, even if they don ’ metric ton own a car. Non-owner car indemnity can help you avoid being labeled as a bad driver .

ready to shop ? NerdWallet ’ s car insurance comparison tool can help you find rates .

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