If you’ve been labeled a high-risk driver in the USA, finding affordable car insurance can feel overwhelming. Many insurers charge much higher premiums or even refuse to cover drivers with a history of accidents, tickets, DUI, or lapses in coverage.

But here’s the good news: Even as a high-risk driver, you still have options.
This complete 2025 guide explains everything you need to know about getting the best car insurance for high-risk drivers in the USA from understanding what “high-risk” means, to finding the right companies, lowering your rates, and avoiding common mistakes.

Whether you’ve just received a ticket or have a long history of claims, this article will help you get back on the road with confidence.

What Does It Mean to Be a High-Risk Driver?

A high-risk driver is someone an insurance company believes is more likely to file a claim.
This could be because of your driving record, age, lack of experience, or even credit history.

Common Reasons You’re Considered High-Risk:

• Multiple accidents or claims

• DUI/DWI convictions

• Many speeding tickets or traffic violations

• No previous insurance coverage (lapse)

• New or very young drivers

• Poor credit (in states where credit is considered)

Once you’re in this category, your premiums can double or even triple compared to average rates but it doesn’t mean you can’t find affordable insurance.

Best Car Insurance Companies for High-Risk Drivers in the USA (2025)

Not all insurance companies treat high-risk drivers the same. Some specialize in offering coverage to drivers with poor records or unique situations. Below are the top insurers for high-risk drivers in 2025.

1. The General

• Known for offering policies to drivers with multiple violations.

• Fast online quotes and no-frills coverage.

• May not have the lowest rates but accepts most applicants.

2. Dairyland

• Offers affordable rates for drivers with a DUI or SR-22 requirement.

• Flexible down payments and monthly options.

3. Progressive

• Good for drivers with past claims or tickets.

• Their Snapshot program can lower rates if you improve your driving habits.

4. State Farm

• More forgiving for young drivers or those with few violations.

• Strong local agent support and competitive rates.

5. GEICO

• Competitive rates even for drivers with a blemished record.

• Discounts for defensive driving courses.

6. National General

• Specializes in high-risk policies.

• Works with drivers who have been denied by other companies.

Summary Table: Best Car Insurance for High-Risk Drivers

How to Get Affordable Car Insurance as a High-Risk Driver

Now that you know the top companies, here’s how you can reduce your costs, even with a high-risk status.

1. Compare Multiple Quotes

Rates can vary widely between insurers, so shop around and get at least 3–5 quotes.

2. Take a Defensive Driving Course

Many companies offer discounts if you complete an approved defensive driving class.

3. Opt for a Higher Deductible

Choosing a higher deductible means you’ll pay more if you file a claim, but your monthly premium will go down.

4. Improve Your Credit Score

In many states, better credit leads to lower insurance rates.

5. Choose a Cheaper Car

High-performance or luxury cars cost more to insure. Consider switching to a reliable, inexpensive vehicle.

6. Use Usage-Based Insurance

Programs like Progressive’s Snapshot monitor your driving habits and reward you for safe behavior.

Special Considerations for High-Risk Drivers

SR-22 or FR-44 Requirements

If your state requires an SR-22 (or FR-44 in some states), this is proof you carry the minimum insurance required.
Not all insurers file these forms, so you’ll need to find one that does — like Dairyland or The General.

Non-Owner Car Insurance

If you don’t own a car but still need to drive occasionally, a non-owner policy can keep you insured and maintain your continuous coverage history.

How Much Does Car Insurance for High-Risk Drivers Cost?

The exact cost depends on:

• Your state

• Driving history

• Age and gender

• Type of car

On average, high-risk drivers in the USA pay 30%–150% more than standard drivers.
For example:

• Average annual premium for a good driver: $1,700

• Average annual premium for high-risk driver: $3,500+

Tips for Long-Term Savings

Stay Insured

Letting your policy lapse can make you even more expensive to insure later.

Drive Safely

Every year you avoid accidents and tickets improves your record.

Review Your Policy Annually

As your record improves, shop around to find a lower premium.

Avoid Small Claims

If you can pay out of pocket for minor damage, it may keep your rates from increasing.

Frequently Asked Questions About Car Insurance for High-Risk Drivers

What is the best car insurance for high-risk drivers?

Companies like The General, Dairyland, Progressive, and National General are known for working with high-risk drivers.

Can I get insurance if I have a DUI?

Yes. Companies like Dairyland and The General offer policies for drivers with DUI convictions.

Will my rates go down after a few years?

Usually yes — if you avoid further violations, your rates should improve after 3–5 years.

Do all companies check credit?

Not all states allow credit scores to influence rates. Check your state laws.

How can I remove my high-risk status?

Keep a clean record for several years, pay on time, and avoid new violations.

What is SR-22 insurance?

It’s a certificate proving you have the minimum required coverage after a serious violation.

Is non-owner car insurance available for high-risk drivers?

Yes. Many insurers offer non-owner policies even for high-risk individuals.

How much more do high-risk drivers pay?

High-risk drivers often pay between 30% and 150% more than standard drivers.

Are there any discounts for high-risk drivers?

Yes. Completing a defensive driving course, using telematics, or bundling policies can still save you money.

Can I be denied car insurance?

It’s possible, but companies like National General specialize in covering drivers who’ve been denied elsewhere.

Real-World Example: Mark’s Story

Mark, a 28-year-old from Florida, was paying $4,500 per year after a DUI and two speeding tickets.
By switching to Dairyland, taking a defensive driving course, and increasing his deductible, he lowered his annual premium to $3,000 — saving $1,500 in just one year.

Additional Resources for High-Risk Drivers

• State insurance departments: Many offer lists of approved high-risk insurers.

• Consumer advocacy websites: Read reviews from other high-risk drivers.

• Local brokers: They can help you find companies that work with your situation.

Conclusion: You Still Have Options

Being labeled a high-risk driver doesn’t mean you’re stuck paying sky-high premiums forever.
With the right company and a few smart choices — like shopping around, improving your record, and asking about discounts — you can find affordable, reliable coverage.