High-risk drivers — those with accidents, multiple tickets, DUIs, or poor credit — face higher premiums but still have options. The key is knowing which insurers are most forgiving for your specific situation.
Best Companies — Ranked
#1ProgressiveBest for High-Risk Overall
Industry leader for non-standard drivers. Snapshot program can earn discounts even for drivers with incidents. Name Your Price tool helps manage costs.
Insurers classify you as high-risk for: at-fault accidents in last 3-5 years, DUI/DWI conviction, multiple speeding tickets, driving without insurance, poor credit score (in most states), teen/inexperienced driver, or certain vehicle types.
High-risk drivers pay 30-100% more than standard drivers. A single at-fault accident adds ~25-40%. A DUI adds 40-80%. Multiple violations can more than double your rate. Rates typically improve after 3-5 years with no new incidents.
Yes. Every driver can get insured — even with serious violations. Major insurers like Progressive specialize in high-risk coverage. If all standard insurers decline, state-assigned risk pools guarantee coverage as a last resort.
At-fault accidents: 3-5 years. Speeding tickets: 3-5 years. DUI: 5-10 years (varies by state). At-fault accident causing injury: up to 7 years. Minor violations: 1-3 years.