⚠️ High-Risk Drivers

High-Risk Car Insurance: Get Covered After DUI, Accidents, or Tickets

Updated January 2026 • Expert reviewed • Compare 50+ providers

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What is High-Risk Car Insurance?

High-risk (or "non-standard") car insurance is for drivers who insurance companies consider more likely to file claims. This includes drivers with:

  • DUI/DWI convictions - Usually stay on record 3-10 years
  • At-fault accidents - Multiple claims increase risk
  • Multiple tickets - Speeding, reckless driving
  • License suspension - Any gap in coverage history
  • SR-22 requirements - Court-ordered proof of insurance
  • Poor credit - In states that allow credit scoring

Best Insurance Companies for High-Risk Drivers

Progressive

Best overall for high-risk

  • ✅ Accepts most driving records
  • ✅ SR-22 filing available
  • ✅ Snapshot® can lower rates

The General

Specializes in high-risk

  • ✅ No credit check
  • ✅ Instant coverage
  • ✅ Low down payment

Dairyland

Budget-friendly option

  • ✅ DUI specialists
  • ✅ Flexible payments
  • ✅ Fast quotes

SR-22 Insurance Requirements

If you need an SR-22, here's what to know:

📋 SR-22 Quick Facts

  • What it is: A certificate proving you carry minimum insurance
  • Who needs it: Drivers with DUI, suspended license, or at-fault accidents
  • How long: Typically 3 years (varies by state)
  • Cost: $15-50 filing fee + higher premiums

Read our complete SR-22 guide →

How Much Does High-Risk Insurance Cost?

Situation Avg. Rate Increase Approx. Monthly Cost
Clean record Baseline $127/month
One speeding ticket +20-30% $165/month
At-fault accident +40-50% $190/month
DUI conviction +70-100% $250/month
Multiple violations +100-200% $300+/month

How to Lower High-Risk Insurance Costs

  1. Compare 5+ quotes: Rates vary dramatically for high-risk drivers
  2. Take a defensive driving course: Many states offer discounts
  3. Drive safely: Violations drop off after 3-5 years
  4. Consider telematics: Usage-based insurance can prove safe driving
  5. Raise your deductible: Higher deductible = lower premium
  6. Ask about discounts: Bundle, autopay, paperless

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