Best Car Insurance Companies (and Alternate Options) for High-Risk Drivers

Best Car Insurance Companies (and Alternate Options) for High-Risk Drivers

If you've received a traffic citation, lack driving experience or have poor credit, then insurers may consider you a high-risk driver — and raise your premiums accordingly. But there's still hope. Plenty of reputable carriers will insure high-risk drivers, and if you're having trouble finding one, you can check your state's automobile insurance program.

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If you're interested in getting a list of insurance companies in your area with high-risk plans, enter your ZIP code above to get a quote.

How much does high-risk auto insurance cost in every state?

Drivers who fall under any of the high-risk categories will see their insurance costs rise relative to the average driver.

To give you a sense of the difference between these rates, we compiled data across all 50 states for three categories of high-risk drivers to help you understand how much more auto premiums can cost you.

State

AverageSpeeding violationDUI + accidentYoung driver

Alabama

$858$1,290$2,564$4,692

Alaska

$1,248$1,368$2,598$3,144

Arizona

$1,215$1,608$3,513$4,468

Arkansas

$1,107$1,164$2,968$6,792

California

$1,830$3,060$7,794$6,177

Colorado

$1,512$1,908$3,060$4,792

Connecticut

$1,842$2,140$6,704$7,964

Delaware

$1,863$3,450$6,156$8,716

Florida

$1,576$2,424$3,384$4,278

Georgia

$1,662$2,136$3,246$4,732

Hawaii

$864$1,092$3,186$900

Idaho

$852$1,038$1,568$3,309

Illinois

$1,320$2,784$2,004$6,279

Indiana

$1,068$1,134$1,584$3,330

Iowa

$795$1,446$1,608$4,248

Kansas

$1,016$1,188$3,780$4,680

Kentucky

$1,560$2,860$4,084$9,807

Louisiana

$2,104$3,588$5,934$11,176

Maine

$584$828$1,692$3,188

Maryland

$1,440$2,193$3,561$9,252

Massachusetts

$1,252$1,736$3,606$4,076

Michigan

$2,766$4,092$6,032$11,271

Minnesota

$975$1,568$1,851$3,366

Mississippi

$1,284$1,326$2,100$3,978

Missouri

$1,124$1,260$1,708$3,784

Montana

$1,256$1,428$1,952$4,656

Nebraska

$1,113$1,020$2,382$3,927

Nevada

$1,848$2,252$3,380$7,208

New Hampshire

$1,320$1,760$2,020$4,335

New Jersey

$2,416$4,452$6,576$9,048

New Mexico

$1,508$1,532$3,744$5,504

New York

$1,812$2,544$5,532$6,216

North Carolina

$822$1,260$2,703$1,953

North Dakota

$1,396$1,856$3,360$5,244

Ohio

$824$856$1,848$3,352

Oklahoma

$1,908$2,120$3,876$7,464

Oregon

$1,396$2,133$1,380$5,024

Pennsylvania

$1,819$2,028$3,436$10,208

Rhode Island

$2,051$2,190$3,492$8,000

South Carolina

$768$816$1,704$2,752

South Dakota

$1,002$1,122$1,842$4,320

Tennessee

$1,244$1,304$3,988$4,092

Texas

$1,230$1,242$2,298$4,068

Utah

$1,041$1,056$2,607$4,827

Vermont

$993$1,060$1,764$3,432

Virginia

$1,074$1,161$2,460$3,471

Washington

$1,328$916$2,120$6,000

West Virginia

$1,420$1,568$2,952$6,088

Wisconsin

$1,545$2,064$3,600$7,227

Wyoming

$940$966$2,016$3,738
These rates are the averages of different policies for high-risk drivers insured by GEICO, Allstate, Nationwide and MetLife. These averages do not include rates for insurance through each state's residual pools.

Which companies offer the cheapest high-risk auto insurance plans?

If you already fall into one of the high-risk categories, some companies may be cheaper than others when it comes to insuring you. We compared rates from several major insurance companies that offer plans to higher-risk drivers.

While your rates will differ from the sample in our study, our list can help you figure out where to begin. Below we'll look at the average annual premium amount for the four companies we looked at (GEICO, Allstate, MetLife and Nationwide) for each of the three scenarios:

Best High risk Auto Insurance Companies

On average, GEICO turned out to be the cheapest high-risk auto insurance company of the bunch in both the speeding and young-driver scenarios. For the "DUI + accident" scenario, GEICO was edged out slightly by Allstate with a nationwide annual premium of $2,298 per year versus GEICO's $2,493.

This study is based on select sample driver profiles, so your rates may differ. To find cheaper high-risk auto insurance, you should compare quotes from multiple companies.

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How to get insurance if insurers won't cover you

Almost every state requires drivers to carry car insurance, but some insurance companies may deny coverage to high-risk drivers. In this case, drivers can get help through their state's automobile insurance plan. You can apply for coverage after proving you've unsuccessfully tried to find insurance coverage.

Contact an insurance agent or broker for more information on assigned risk plans, or read more about your state's plan in the AIPSO directory.

Below, we've noted the name of state plans or mechanisms for high-risk drivers in every state and Washington, D.C.

StateHigh-risk plan
AlabamaAlabama Automobile Insurance Plan (AL AIP)
AlaskaAlaska Automobile Insurance Plan (AK AIP)
ArizonaArizona Automobile Insurance Plan (AZ AIP)
ArkansasArkansas Automobile Insurance Plan (AR AIP)
CaliforniaCalifornia Automobile Assigned Risk Plan (CAARP)
ColoradoColorado Motor Vehicle Insurance Plan (CO AIP)
ConnecticutConnecticut Automobile Insurance Assigned Risk Plan (CT ARP)
DelawareDelaware Automobile Insurance Plan (DAIP)
FloridaFlorida Automobile Joint Underwriting Association (FAJUA)
GeorgiaGeorgia Automobile Insurance Plan (GAAIP)
HawaiiHawaii Joint Underwriting Plan (HJUP)
IdahoIdaho Automobile Insurance Plan (IDAIP)
IllinoisIllinois Automobile Insurance Plan (ILAIP)
IndianaIndiana Automobile Insurance Plan (IN AIP)
IowaIowa Automobile Insurance Plan (IA AIP)
KansasKansas Automobile Insurance Plan (KS AIP)
KentuckyKentucky Automobile Insurance Plan (KY AIP)
LouisianaLouisiana Automobile Insurance Plan (LA AIP)
MaineMaine Automobile Insurance Plan (ME AIP)
MarylandMaryland Auto Insurance Fund (MAIF)
MassachusettsMassachusetts Automobile Insurance Plan (MAIP)
MichiganMichigan Automobile Insurance Plan Facility (MAIPF)
MinnesotaMinnesota Automobile Insurance Plan (MNAIP)
MississippiMississippi Automobile Insurance Plan (MSAIP)
MissouriMissouri Automobile Insurance Plan (MO AIP)
MontanaMontana Automobile Insurance Plan (MT AIP)
NebraskaNebraska Automobile Insurance Plan (NE AIP)
NevadaNevada Automobile Insurance Plan (NV AIP)
New HampshireNew Hampshire Automobile Insurance Plan (NH AIP)
New JerseyNew Jersey Personal Automobile Insurance Plan (NJ PAIP)
New MexicoNew Mexico Motor Vehicle Insurance Plan (NM AIP)
New YorkNew York Automobile Insurance Plan (NYAIP)
North CarolinaNorth Carolina Reinsurance Facility (NCRF)
North DakotaNorth Dakota Automobile Insurance Plan (ND AIP)
OhioOhio Automobile Insurance Plan (OAIP)
OklahomaOklahoma Automobile Insurance Plan (OKAIP)
OregonAutomobile Insurance Plan of Oregon (OR AIP)
PennsylvaniaPennsylvania Assigned Risk Plan (PA ARP)
Rhode IslandRhode Island Automobile Insurance Plan (RI AIP)
South CarolinaAssociated Auto Insurers Plan of South Carolina (AAIPSC)
South DakotaSouth Dakota Automobile Insurance Plan (SD AIP)
TennesseeTennessee Automobile Insurance Plan (TNAIP)
TexasTexas Automobile Insurance Plan Association (TAIPA)
UtahUtah Automobile Insurance Plan (UT AIP)
VermontVermont Automobile Insurance Plan (VT AIP)
VirginiaVirginia Automobile Insurance Plan (VAIP)
WashingtonWashington Automobile Insurance Plan (WAIP)
Washington, D.C.District of Columbia Automobile Insurance Plan (DC AIP)
West VirginiaWest Virginia Automobile Insurance Plan (WV AIP)
WisconsinWisconsin Automobile Insurance Plan (WAIP)
WyomingWyoming Automobile Insurance Plan (WY AIP)

Who is an at-risk driver?

A prior DUI offense, age, lapses in insurance coverage and credit scores can all affect your risk profile — and therefore influence your auto insurance premium.

Below, we take a closer look at how each of these factors can affect your rates.

DUI offense

If you've been convicted of driving under the influence, your premiums will increase. Once you get your license back, your insurer will need to file an SR-22 form on your behalf. This form confirms you have auto insurance with at least the state-required limits. You may need to keep the SR-22 form on file for several years — and during this time, you'll pay higher rates as a high-risk driver.

Young or first-time drivers

Research has shown that young drivers are more likely to exhibit risky driving behavior and get into car accidents, so insurance carriers adjust their premiums accordingly.

Regardless of age, drivers who are newly licensed will always face higher insurance rates than seasoned drivers who have been driving for a longer period of time. There is one way to work around this rule: Ask someone to add you to their existing policy. This shortcut ensures your premiums will be lower than going it alone.

Lapse in insurance coverage

Regardless of why you dropped your last car insurance policy, you're going to find premiums are higher now that you're reapplying. The good news is that over time, and once you prove to the insurance company that you're a responsible driver, your premiums will drop back down to normal rates. The bad news is that it may take six months or more for your policy premiums to decrease.

Poor credit

People who have a poor credit history will also be deemed high-risk drivers. Why is this the case? Insurance companies are essentially placing millions of bets in the form of insurance policies, and to decrease their risk they want to insure responsible people.

Insurers have determined that checking your credit history is a quick and easy screen to ballpark your level of responsibility in advance of insuring you. Fortunately, there are some insurance carriers who don't do credit checks — but you'll have to shop around. Additionally, a few states ban insurers from using credit history in calculating your rates.

Other serious driving violations

While getting a DUI falls into this category, your insurance premiums will also spike if you have any other type of serious driving violations — such as hit and run, road rage and excessive speeding. Higher insurance premiums may be the least of your worries, however, as many of these moving violations are considered felonies that could result in jail time.

How can I find high-risk auto insurance?

Methodology

ValuePenguin sampled high-risk auto insurance rates for the largest city in each state across four car insurance companies where available: GEICO, Allstate, MetLife and Nationwide. Our hypothetical driver was a 30-year-old man driving a 2010 Toyota Camry. He drives 10,000–15,000 miles per year, on average, primarily commuting to and from work. Liability coverage is set to the legal state minimum.

  • Our driver was cited for driving 20 mph over the speed limit within the last five years.
  • Our driver had a DUI or DWI and had been at fault in an accident where someone was injured.
  • In the "young driver" scenario, our driver was an 18-year-old man with the same specifications listed above.

Surveyed auto insurance costs are for illustrative purposes only, and actual quotes will vary based on your physical residence, driving history and other factors.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.