The Best High-Risk Car Insurance Companies – NerdWallet
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 .