High-risk driver insurance refers to auto policies for drivers labeled as risky by insurers, typically due to past infractions like accidents or DUIs. These policies cover the same liability and optional benefits as regular car insurance, but with significantly higher premiums.
In fact, insurers often charge 30–60% more for drivers with high-risk records. In this guide, we explain what makes a driver “high risk”, highlight specialized coverage (including SR-22 and DUI-related insurance), and review the 10 best High-Risk Driver Insurance providers in 2025. Throughout, we share data and tips to help you find affordable high-risk auto insurance.
Who Qualifies as a High-Risk Driver?
A High-Risk Driver Insurance typically has a record that makes insurers think accidents or claims are more likely. Common factors include:
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Multiple violations or tickets. Speeding tickets or moving violations on your record.
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At-fault accidents. One or more recent crashes where you were responsible
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DUI/DWI convictions. A drunk driving or similar offense.
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Lapse in coverage. A gap in your previous auto insurance.
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Young or inexperienced. Teen drivers or new licensees.
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Poor credit. Credit issues (in some states) may flag you as higher risk.
Drivers with these issues often need specialized high-risk auto insurance (sometimes called non-standard insurance). Even a single DUI or multiple speeding tickets can trigger an insurer to classify you as high-risk
. Note that the policy coverage itself (liability limits, collision, etc.) is no different than normal auto insurance, High-Risk Driver Insurance, because you’re deemed more likely to file a claim.
Special Requirements: DUI Coverage and SR-22 Insurance
If you have a DUI or similar serious violation, you may be legally required to get an SR-22 certificate. An SR-22 is not an insurance policy itself but a state-mandated form filed by your insurance company to prove you carry the minimum liability coverage. It is commonly called “proof of financial responsibility.
For example, after a DUI or uninsured accident, most state DMVs demand an SR-22 to reinstate your driving privileges. The SR-22 requirement typically lasts 3–5 years, depending on your state and the offense.
Most major insurers can file SR-22 forms. However, not all carriers issue SR-22 in every state. If you’ve had a DUI, ask your insurer about SR-22 filing. In the meantime, your High-Risk Driver Insurance will jump significantly. Studies show a DUI conviction raises premiums by about $1,178 per year on average.
MoneyGeek notes that after a DUI, State Farm, Travelers, and Progressive tend to offer the most affordable coverage, whereas some carriers like Geico can be much pricier for a DUI offender.s
Important: Even as a high-risk driver, you still must carry at least the state’s minimum liability insurance (bodily injury and property damage). These are often called High-Risk Driver Insurance plans. High-risk status doesn’t change coverage requirements, but some companies market special plans for drivers needing extra support after violations or an SR-22 filing.
Top 10 High-Risk Driver Insurance Providers
The following insurers are known for serving drivers with blemished records. They earn high marks for affordability, coverage options, and specialized discounts for risky drivers. (Provider details are based on recent industry analyses and review.s
- Progressive: Often the cheapest overall. Progressive’s high-risk plans can start around $140/month. They offer unique programs like the “Snapshot” usage-based discount that can lower rates for safe driving. Progressive also provides accident forgiveness on many policies, protecting first-time incident offenders from steep rate hikes. High-Risk Driver Insurance: Budget-friendly rates, especially for high-risk drivers. : Mostly online service; fewer local agents.
- GEICO: Strong on discounts. GEICO offers a variety of discounts, even for high-risk drivers – e,.g. membership, military, low-mileage – which can trim premiums. Their mobile app makes managing a policy convenient. Base rates for high-risk drivers start around $145/m, which is still competitive. Pros: Many discount options and a user-friendly app. Cons: Can penalize lapsed coverage; some customers note coverage gaps.
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Nationwide: Reliable with unique perks. Nationwide has an A+ financial strength rating, giving high-risk customers confidence. They offer a “Vanishing Deductible” benefit (deductible lowers each claim-free year) and a yearly “On Your Side” review to keep coverage optimal for high-risk needs. Their rates start near those of GEICO. Pros: Strong financial backing, deductible rewards for safe driving. Cons: Fewer high-risk discounts; simpler digital tools.
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State Farm: Best for local support. State Farm allows high-risk drivers to work with a nationwide network of local agents. They offer paid-in-full discounts 15% off if you pay annually) and 24/7 customer service, which can be reassuring after a DUI or accident. Rates tend to be higher than direct insurers, but many find the agent network valuable. : Large agent network, flexible payment discounts: Limited online tools; discount availability varies by location.
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Mercury Insurance: Best for coverage. Mercury’s high-risk plans emphasize comprehensive, customizable coverage. They include accident forgiveness (to avoid a big rate hike after one slip-up) and even telematics programs that reward safe drivers with lower premiums. However, Mercury is not available in every state and has fewer discount programs than larger carriers. Broad coverage tailored to risky drivers, with accident forgiveness. : Only in select states; fewer discounts.
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Farmers Insurance: Strong on accident forgiveness. Farmers lets high-risk drivers purchase first-accident forgiveness, which can shield you from a rate increase after your first at-fault crash. They also have excellent customer service and a solid A financial rating, giving stability to worried drivers. Base rates start a bit higher (around $160/month), which is a tradeoff for the extras. Pros: Optional accident forgiveness, attentive support: Generally higher base rates, fewer discount options.
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The Hartford: Known for high-risk expertise. The Hartford is often recommended for high-risk or older drivers. It carries an A+ rating and is known for committed roadside assistance.
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While its discounts are somewhat limited for risky drivers, it remains a reputable choice with broad services.ce High financial rating, strong brand reputation. : Not many high-risk discounts; fewer mobile features.
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American Family (AmFam): Flexible custom policies. AmFam allows drivers to tailor coverage to their needs and also has safe-driving discounts. It boasts an A (excellent) rating.
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Their high-risk plans can start around $165/month, reflecting robust coverage and stability. A-rated insurer, customizable policies for high-risk situations. Somewhat higher premiums; fewer discounts for young high-risk drivers.
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High-Risk Driver Insurance: Top-rated customer service. Auto-Owners holds an A++ rating (the highest) and is praised for personalized service – a boon when a risky driver needs extra hand-holding. They offer flexible payment plans, which can help manage the budget for high premiums.
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That said, starting rates (around $170/month) are on the high side. Outstanding customer service, top financial stability. : Higher base rates; not available everywhere.
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Allstate: Nationwide presence. Allstate’s vast national footprint means it can offer coverage coast-to-coast – useful if you relocate or drive in multiple states. They include 24/7 customer access and maintain a strong A+ rating. Allstate permits accident forgiveness on some policies.
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Their high-risk rates start around $175month, making them more expensive than most of the above. Large network, always-available support, A+ financials. Cons: Among the priciest; fewer discounts for very high-risk drivers.
Each of the above carriers serves high-risk drivers, but note that availability (and SR-22 support) can vary by state. Always compare quotes from multiple insurers to find the best affordable high-risk insurance for your situation.
How to Reduce High-Risk Car Insurance Costs?
Even with a history of tickets or DUI, you can sometimes lower your premiums:
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Bundle policies. Put home, auto, and other coverage with one insurer to earn discounts
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Avoid small claims. Since high-risk drivers pay more per claim, they only claim major losses.
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Improve credit score. In most states, better credit means cheaper rates. A higher credit score can reduce the “risk” surcharge.
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Take a defensive driving course. Many insurers offer discounts or goodwill for completing a safe-driving course, which can help even after violations.
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Compare multiple quotes. As one guide suggests, “Compare quotes from multiple companies to find the cheapest high-risk car insurance near you.” If your current insurer’s rate is too high, shopping around often uncovers a significantly lower premium.
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Increase deductibles. Raising your collision and
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comprehensive deductible reduces your premium. Just be sure you can afford the higher deductible if you claim.
By actively managing these factors, a high-risk driver can sometimes shave hundreds off annual premiums. For example, one analysis notes that a DUI raises annual costs by about $1,178 on average, so even a 10-20% saving is substantial.
Frequently Asked Questions
Q: What exactly is high-risk auto insurance?
A: It’s simply standard auto insurance for drivers deemed “high risk” due to their driving record.d The coverages (liability, collision, etc. are the same as any policy, but insurers charge higher premiums to compensate for the risk.
High-Risk Driver Insurance drivers are often those with major violations (e.,g. DUI), multiple accidents, gaps in coverage, or other factors.
Q: Why do high-risk drivers pay more?
A: Insurers base rates on statistics. Drivers with a history of accidents or violations are statistically more likely to file costly claims. As a result, insurance companies charge higher rates to high-risk individuals.
In plain terms, insurers consider high-risk drivers “less safe, us they “pay higher premiums” to offset that risk.
Q: When is SR-22 insurance required?
A: An SR-22 is often mandated by the DMV after serious infractions. For example, a conviction for DUI or driving without insurance typically triggers an SR-22 filing requirement for several years.
The SR-22 is not insurance itself but proof that you carry the required liability coverage. Once you have clean records for the required period, usually 3–5 years, you may no longer need the SR-22.
Q: How long will I be considered high-risk?
A: High-Risk Driver Insurance status depends on your violation and your state’s rules. Many offenses fall off your driving record after 3–5 years.
By maintaining a clean driving history during that time, you can eventually return to standard rates. For instance, experts note that a DUI’s impact typically lasts around 3 to 5 years.
Q: How can I find affordable high-risk insurance?
A: The best approach is to shop around and compare quotes specifically for drivers with your record. Look for insurers that explicitly welcome high-risk profiles.
Take advantage of any discounts you qualify for, even High-Risk Driver Insurance can get things like multi-policy or
defensive driving discounts. Some companies Progressive, GEICO, Nationwide, etc., are known to offer competitive rates for risky drivers. Also consider increasing deductibles and improving credit to lower costs.
Conclusion
Shopping for High-Risk Driver Insurance requires patience and comparison. The good news is that many reputable insurers (State Farm, Travelers, Progressive, and others) recognize High-Risk Driver Insurance and offer dedicated coverage options.
By understanding SR-22 requirements (for DUI cases) and leveraging discounts where possible, you can secure the coverage you need at a better price.
Always get quotes from multiple companies, and ask each about accident forgiveness or safe-driving discounts. With the right strategy, even drivers with past infractions can find affordable high-risk insurance. Stay safe, keep a clean record going forward, and review your policy annually to ensure you’re getting the best protection for your needs.
