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The insurance company will complete risk
assessment when you apply for auto insurance to assess probability that youll
file claim in future. Your age, your gender, your credit score & your
history of driving are all factors that an insurance provider considers when
assessing your risk quotient. Insurance companies often consider drivers with
traffic tickets or accidents on their record to be high risk customers.
This means theyre more likely than others to make claim & worse yet: cost
company money.
In turn, this translates into high
insurance premiums. Insurance companies often charge drivers who have any
accidents or violations on their records more, regardless of whether they are
applying for new policies or current policyholders. You may have seen rise in
your insurance rates or even lost all coverage after an accident or traffic
ticket, regardless of whether it was your fault.
Some car insurance providers are still
willing to accept high risk driver, even if they have totaled car, or DUI.
Recently, we compared all of available insurance policies for high risk
motorists to determine most suitable coverage. We looked at companies who
offered insurance & rates that were willing to overlook drivers previous
driving record & offer them second chance. We selected these insurance
companies based on results of our research as being most suitable for drivers
with high risk.
Youll see below auto insurance deals
available through our partners. Then, we have complete list of all high risk
insurance providers that we found.
The General : Best coverage for minimum coverage
The General advertises itself as an auto
insurance company for everyone including high risk motorists. General actually
is business that covers high risk drivers. You will have to check if your state
falls under 46 state coverage offered by General.
The Pros & Cons
The Pros & Cons of Using Pros
- Even most high risk drivers can be covered
- Several unique discounts
- App for easy claims processing
You can also find out more about Cons
- Liability coverage is low
Get Discounts
You cant save money by bundling insurance
policies with General. General offers some great deals, such as:
- The Good Student To be eligible, students need to provide proof that they have
minimum B grade.
- Deductible This is discount that doubles your deductible on comprehensive
& collision insurance for first 45 days of policy, thereby reducing
premium.
- Full Payment: Customer who pays entire premium for an annual period instead
of monthly payments.
- Previous insurance : For customers who switch directly from another insurer to
General.
Experience Digital
Customers can handle all aspects of their
insurance needs, from obtaining quote to filing claim, online, through app or
by phone. website & app on smartphones have chat options that allow you to
instantly contact customer service agent.
With Easy Claims function, you can also
start claim from your smartphone & upload images instantly. It can simplify
claims process & reduce wait times & back & forth with an adjuster.
Additional Insurance Products
The General does not offer special
insurance coverage for its customers, as do some of other companies. It does,
however, offer Mexico Tourist Auto Insurance through its partner companies.
Its also important to know that, while
General meets all state requirements in 46 states where it operates, firm does
not provide policies with high dollar amounts.
Customer satisfaction
The NAIC reports that General gets more
complaints because of its size.
Read our full review General Car Insurance.
Dairyland
Many states require drivers who have DUIs,
serious violations or record of driving without insurance to present proof of
coverage known as an SR 22. Not all insurers will cover high risk drivers. Some
insurance providers may not even provide SR 22 documents.
You can get SR 22 documents you need by
applying for Dairyland auto insurance plan through their website.
The Pros & Cons
The Pros & Cons of Using Professional
- Claim service is available online & by phone 24/7
- Choose your own Body Shop
- High risk drivers can enjoy highly competitive rates
You can also find out more about Cons
- Loss of insurance coverage can result from late payments
- Customers complaints about claims process
- Local agents are not allowed
Get Discounts
Dairyland offers surprising number of
discounts for its customers. discounts offered by Dairyland include:
- Multi Car
- Quote for Advanced Pricing
- Transfer discount
- Payment plan for quarterly or yearly payments
- Driving defensively
- Anti theft
Digital Experience
Dairyland, like most insurance companies
today, offers variety of services via its smartphone app or website. Customers
can get quotes & access their account online. They can also make payments
or retrieve ID cards. Customers can access their account information & pay
their bills directly from app.
Dairyland does not allow customers to file
claims online or via smartphone app. Dairyland also does not allow customers to
make any changes in their policy without calling them directly.
Additional Insurance Products
Dairylands insurance options are very
limited compared to other, larger carriers. Dairyland offers all of coverage
for auto insurance you need, including motorbike insurance. There is no
homeowners insurance or life coverage.
Customer satisfaction
Customers in states that offer Dairyland
seem to be satisfied with service, just as they are with non standard insurers.
The majority of complaints on review sites
about Dairyland Insurance were either billing problems or slow claim
processing. Many customers were pleased with ease & speed of getting
Dairyland Insurance policies.
State FarmBest Rates after DUI
Most insurance companies raise their rates
dramatically after receiving DUI. Its likely that this is because National
Highway Traffic Safety Administration statistics show drunk driving accidents
cause deaths of nearly 30 people per day.
State Farm, however, is more tolerable.
Some companies almost double their rates after DUI. State Farm, in fact, has on
average lowest rates of any insurance company for DUI drivers.
The Pros & Cons
The Pros & Cons of Using Pros
- DUI Drivers Pay Lowest Rates
- Drive Safe & Save Discount Plan
- Homeowners & other insurance policies are available
You can also find out more about Cons
- Pressure to use local agents
Get Discounts
State Farm has variety of discounts for
customers who are safe, have safe cars, or show loyalty. You can save anywhere
from 10% to 30% with these discounts.
State Farm offers Drive Safe & Save
program that uses smartphone application to monitor your driving behavior. You
get discounted rate for joining. but more you drive safe (avoiding sudden stops
& not exceeding speed limit, etc.), greater your savings. more you save,
better. You get feedback from app on your performance.
Experience Digital
State Farms web portal & app allow you
to manage your auto insurance policy just like most insurance providers. These
online services allow customers to access their account at any time. They can
also request roadside help or file claim if they are involved in an accident.
The app allows you to contact your State
Farm agent at any time, from anywhere.
Additional Insurance Products
State Farm is one stop shop for your entire
insurance needs. State Farm also offers insurance for motorcycles, boats, off
road cars & other vehicles.
State Farm offers many other insurance
products, such as renter & homeowner policies, insurance for life &
supplemental health policies.
Customer satisfaction
State Farm is different from other
insurance companies that offer high risk coverage because its local agents are
like good neighbors & efficient. Whats more, J.D. Power placed State
Farm at number six out of 24 insurers in 2021 U.S. Auto Claims Study.
The Best Rates Following Traffic Infraction GEICO
Even though it takes more than one accident
to be deemed high risk , many drivers see their rates increase after
being found to have been at fault in single auto accident. This can make it
difficult for them to keep up with car insurance. GEICO, however, offers rates
that are competitive even for those with accidents or speeding tickets on their
records.
The Pros & Cons
The Pros & Cons of Using Pros
- Discounts on selected products
- Best mobile app experience
- Customer service ratings are high
You can also find out more about Cons
- Agents are limited in number
- Coverage for GAP is not available
- Partner companies underwrite homeowners & other insurance
policies
Get Discounts
GEICO is known for its wide range of
discounts. It offers discounts for your vehicles safety features, your driving
habits & your loyalty to insurance company.
GEICO also partners with many associations
& corporations to offer special discounts for members.
Experience Digital
GEICO offers its customers digital
experience that is cutting edge. You can make any changes to your GEICO policy
online or via smartphone app.
GEICO & CARFAX have partnered to offer
you variety of services, including ability to file or review pending claims.
You can also view or print your insurance ID card, request roadside service, or
view information about vehicles.
GEICO, unlike any of other providers on our
list, is compatible with Amazon Echo, Google Home & voice commands from
your smartphone. This means you can connect to an agent or manage your
insurance policy without lifting single finger.
Additional Insurance Products
GEICO provides some of best car insurance
policies in country & it offers variety of insurance options to its
customers. GEICO offers policies for motorcycles, boats, all terrain vehicle,
RVs & other types of vehicles.
GEICO offers renters & homeowners
insurance & much more. You can bundle policies even though they are
provided by partners.
Customer satisfaction
GEICO is consistently rated highly by both
industry professionals & customers. J.D. Power consistently rates GEICO
highly for customer satisfaction.
Customers praise GEICO for its low rates,
willingness to cover high risk drivers & excellent digital experience.
Direct Auto Best rates for drivers with poor credit.
A low credit score may also affect your car
insurance rates & in some instances, even your ability to get insurance.
Direct Auto will work with you to provide affordable auto insurance as you
improve your credit rating.
The Pros & Cons
The Pros & Cons of Using Pros
- High risk car insurance is available to all drivers, even those
with poor credit ratings
- Can offer SR 22 for drivers in need
- Drivers on budget can choose from variety of flexible payment
methods
You can also find out more about Cons
- Available in only 13 States
Get Discounts
Direct Auto might not be as well known as
companies such as GEICO & State Farm but this doesnt mean that their
discounts are any less attractive. Direct Auto has number of discounts for
which drivers may qualify & can save up to 25%.
Direct Auto offers two notable discounts:
Military Discount (which gives 25% to active military personnel) & Multi
Car Discount (25% for those who cover two or more cars with Direct Auto).
Direct Auto also offers discounts for seniors, drivers who are safe, people
switching from another company, homeowners & others.
Experience Digital
Direct Auto does not have smartphone
application. but it has comprehensive website. On Direct Auto website,
customers can find out more information about their coverage options, discounts
& claims procedures. Direct Autos customers may also log into their account
through Customer Portal to pay bills, view policy details & print ID cards.
Additional Insurance Products
Direct Autos main focus is to provide
affordable auto insurance to high risk motorists. company also offers
motorcycle insurance & Mexico Auto Insurance. It also provides commercial
auto insurance policies as well as personal car insurance. Direct Auto also
offers accident medical expenses policies & term life insurance. Customers
who choose to purchase these policies will save money on their auto insurance.
Customer satisfaction
Direct Auto has very high complaint index
at National Association of Insurance Commissioners. For period of 2019 2021
average index of complaints was 3.9. This is much higher than industry averages
for companies of this size.
Compare best high risk car insurance companies
ProviderBest ForThe GeneralBest for Minimum
CoverageDairylandBest for Drivers Needing An SR 22State FarmBest Rates After
DUIGEICOBest Rates After Traffic ViolationDirect AutoBest Rates for Drivers
With Poor Credit
FAQ
How to Identify High Risk Driver?
High risk drivers are those who have higher
liability rating & therefore, cost more to insure from carriers
perspective. This is because these drivers tend to make more claims. They are
therefore charged higher premium for insurance than would be case with customer
who is deemed to have fewer risks.
Are You High Risk Drive?
There are many factors that can put you in
high risk category. Some of these criteria may be beyond your control; others
reflect your past driving record, while some have nothing to do with cars. High
risk drivers can include those who:
- Newly licensed teens & drivers
- Drivers over 65 years old
- Poor credit score or high debt to income ratio
- Accidents & drivers with an accident history
- A driver who has received ticket for speeding or another
traffic infraction within last three years.
- DUI Drivers
- No insurance drivers who let their insurance coverage lapse, or
were cited for it
What is cost of high risk car insurance?
The exact rate will vary depending on
insurance laws in your state & many other factors. However, it can range
anywhere between 10% 50% higher if you are considered to be high risk driver.
It can mean hundreds of dollars in difference between your insurance rates.
Does being high risk driver affect your coverage?
High risk motorists pay more for coverage
than do low risk ones. Some high risk motorists will not even be eligible for
standard auto insurance & may need insurance through non standard insurance
company.
How long are you considered high risk driver?
A bad driving record wont affect your
insurance rate forever. Most car insurance providers only consider accident
records & violations of traffic laws that occurred within last three years.
Older tickets & accidents rarely affect your rates. DUI convictions,
however, are exception: They can affect your insurance rates up to 5 years.
Do all insurance providers cover high risk drivers?
Unfortunately, no. Many standard insurers
wont offer coverage for drivers who have DUI or criminal record.
How can you reduce risk of your driving insurance?
Other factors, such as your age &
gender. That can increase your risk of driving are entirely within your
control. Experts recommend taking following steps in order to reduce your risk
class.
- Improve your credit rating by taking steps
- Driver safety courses are available.
- Three years after traffic infraction, you can still get better
rate on your insurance.
- Do not let your car insurance lapse
Bottom Line
There are some companies that offer car
insurance at affordable rates, even for high risk drivers. There are two main
types of companies: those that specialize in high risk coverage & others
who offer discounts & rates to all drivers.
High risk drivers should not just look for
lowest rates, they must also make sure that they have all of their
documentation, such as an SR 22, to prove they can be insured.
How to Choose Best Car Insurance Companies for High Risk
Drivers
We looked at ratings of each insurance
company with J.D. Power, as well as their websites & independent reviews.
We also checked out rate comparisons, discounts & independent reviews on
insurer websites.
