{"id":323913,"date":"2025-11-07T22:00:12","date_gmt":"2025-11-08T03:00:12","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=138082"},"modified":"2025-11-07T22:00:12","modified_gmt":"2025-11-08T03:00:12","slug":"best-for-high-risk-drivers","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-for-high-risk-drivers\/","title":{"rendered":"The Best Auto Insurance Companies for High-Risk Drivers"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<p>High-risk auto insurance usually applies to drivers with a recent DUI\/DWI, at-fault crash, multiple speeding tickets, a lapse in coverage, very poor credit where permitted, or limited experience. In 2025, multiple national studies find that broad-market carriers like State Farm and <a href=\"#progressive\" rel=\"nofollow\" class=\"achor-toggles\">Progressive<\/a> are frequently among the lowest-priced options for many high-risk scenarios, with USAA often cheapest for eligible military members; when preferred carriers decline or surcharge heavily, nonstandard specialists such as <a href=\"#the-general\" rel=\"nofollow\" class=\"achor-toggles\">The General<\/a>, <a href=\"#direct-auto\" rel=\"nofollow\" class=\"achor-toggles\">Direct Auto<\/a>\/<a href=\"#safeauto\" rel=\"nofollow\" class=\"achor-toggles\">SafeAuto<\/a>, Dairyland, Bristol West and National General remain key paths\u2014especially if an SR\u201122\/FR\u201144 filing is required. Telematics\/usage\u2011based programs (for example, State Farm Drive Safe &amp; Save or Progressive Snapshot) and shopping broadly across at least 6\u201310 quotes are the two biggest levers to reduce premiums, according to current market analyses and customer research (<a href=\"https:\/\/www.forbes.com\" target=\"_blank\" rel=\"noopener\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noopener\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noopener\">Bankrate<\/a>; <a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" rel=\"noopener\">J.D. Power 2025 U.S. Auto Insurance Study<\/a>; <a href=\"https:\/\/www.thezebra.com\/resources\/research\/state-of-auto-insurance-report\/\">The Zebra State of Auto Insurance 2025<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Car Insurance for High-Risk Drivers<\/h2>\n\n\n\n<ul><li><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Geico<\/strong><\/a><strong>:<\/strong> Best for discounts<\/li><li><a href=\"#the-general\" rel=\"nofollow\" class=\"achor-toggles\"><strong>The General<\/strong><\/a><strong>: <\/strong>Best for bundling policies<\/li><li><a href=\"#progressive\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Progressive<\/strong><\/a><strong>:<\/strong> Best for digital tools<\/li><li><a href=\"#safeauto\" rel=\"nofollow\" class=\"achor-toggles\"><strong>SafeAuto<\/strong><\/a><strong>: <\/strong>Best for minimum coverage limits<\/li><li><a href=\"#direct-auto\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Direct Auto<\/strong><\/a><strong>: <\/strong>Best for added perks <\/li><\/ul>\n\n\n    \n\n\t\t\n<section id=\"block_6254371713d51\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best High Risk Car Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Claims Satisfaction Score\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_6254371713d51-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>881<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6254371713d51-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">The General<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A-<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not rated<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6254371713d51-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>862<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6254371713d51-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">SafeAuto<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not rated<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not rated<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6254371713d51-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Direct Auto<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not rated<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not rated<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Financial strength and product details reviewed with 2025 market context; J.D. Power claims scores shown reflect the study year cited below.<\/em><\/p>\n\n\n\n<p><em>*J.D. Power <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-claims-satisfaction-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 Auto Claims Satisfaction Study<\/a>. Based on a 1,000-point scale. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico\u2019s wide menu of common auto insurance discounts (driver training, multi-vehicle, paid-in-full, paperless\/auto-pay) can help offset higher nonstandard premiums. High-risk drivers can also stack savings from safe-driving or mileage programs where available industrywide, which current research identifies as the biggest percentage levers for this segment (<a href=\"https:\/\/www.iii.org\/article\/what-determines-price-my-auto-insurance-policy\" target=\"_blank\" rel=\"noopener\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">881*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico\u2019s wide menu of common auto insurance discounts (driver training, multi-vehicle, paid-in-full, paperless\/auto-pay) can help offset higher nonstandard premiums. High-risk drivers can also stack savings from safe-driving or mileage programs where available industrywide, which current research identifies as the biggest percentage levers for this segment (<a href=\"https:\/\/www.iii.org\/article\/what-determines-price-my-auto-insurance-policy\" target=\"_blank\" rel=\"noopener\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Broad set of stackable discounts (billing, vehicles, driver training)<\/li>\n                            <li>Superior AM Best financial strength rating<\/li>\n                            <li>Nationwide availability and digital self-service options<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Coverage and pricing for high-risk profiles can vary widely by state<\/li>\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=35882&#038;:refresh\" rel=\"noopener\" target=\"_blank\">Monitor NAIC complaint index by year and state<\/a><\/li>\n                                    <li>Primarily a direct\/digital model; fewer local agents than some competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">AVAILABLE DISCOUNTS<\/h4>\n                <div> <ul>\n<li>Defensive driving and driver education (where approved) \u2014 state programs like NY PIRP can mandate multi\u2011year premium reductions (<a href=\"https:\/\/dmv.ny.gov\/tickets\/point-insurance-reduction-program\">New York DMV PIRP\u00a0(10% for 3 years)\u00a0<\/a>)<\/li>\n<li>Paid in full, paperless, and auto-pay billing options (<a href=\"https:\/\/www.iii.org\/article\/how-to-lower-your-auto-insurance-costs\" target=\"_blank\" rel=\"noopener\">III: ways to lower costs<\/a>)<\/li>\n<li>Multi-vehicle and affinity\/membership opportunities<\/li>\n<li>Usage-based\/telematics savings available industrywide (e.g., <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\/drive-safe-save\">Drive Safe &amp; Save<\/a>, <a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\">Snapshot<\/a>)<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGE<\/h4>\n                <div> <ul>\n<li>Emergency road service<\/li>\n<li>Rental reimbursement<\/li>\n<li>Mechanical breakdown<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"the-general\" title=\"Best for Bundling Policies\"><\/span>\n    \n\n                                                \n\n\n<section id=\"the-general\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">The General<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Bundling Policies<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Focused on nonstandard risks, The General is known for accepting prior violations and lapses and for fast SR\u201122 filings when required. If you prefer to keep multiple policies with one insurer but need high\u2011risk auto, The General\u2019s partnerships and add\u2011ons can help consolidate coverage (see comparative views from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A-<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not rated*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Focused on nonstandard risks, The General is known for accepting prior violations and lapses and for fast SR\u201122 filings when required. If you prefer to keep multiple policies with one insurer but need high\u2011risk auto, The General\u2019s partnerships and add\u2011ons can help consolidate coverage (see comparative views from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Accepts many violation histories and prior coverage gaps<\/li>\n                            <li>SR\u201122 support and multiple add\u2011on options for flexibility<\/li>\n                            <li>Over a dozen discounts and partner policy options<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Not rated by J.D. Power<\/li>\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=13703&#038;REALM=PROD\" rel=\"noopener\" target=\"_blank\">Check latest NAIC complaint index for current-year context<\/a><\/li>\n                                    <li>Lower AM Best financial strength rating than some mainstream competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">AVAILABLE DISCOUNTS<\/h4>\n                <div> <ul>\n<li>Double deductible<\/li>\n<li>Pay in full<\/li>\n<li>Continuous coverage<\/li>\n<li>Good student<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGE<\/h4>\n                <div> <ul>\n<li>Custom equipment<\/li>\n<li>Rental reimbursement<\/li>\n<li>Towing and labor<\/li>\n<li>ForeverCar service plan<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"progressive\" title=\"Best for Digital Tools\"><\/span>\n    \n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Digital Tools<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Progressive pairs strong online tools (Name Your Price, robust app), broad agent and direct availability, and widely supported SR\u201122 filings. Its Snapshot telematics program can meaningfully lower premiums for safe driving, though risky behavior can raise rates\u2014important context for high-risk drivers comparing UBI options (<a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\">Progressive Snapshot<\/a>). J.D. Power\u2019s insurance digital experience research underscores the value of seamless self\u2011service plus easy human help (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-digital-experience-study\">2024 U.S. Insurance Digital Experience Study<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">862*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Progressive pairs strong online tools (Name Your Price, robust app), broad agent and direct availability, and widely supported SR\u201122 filings. Its Snapshot telematics program can meaningfully lower premiums for safe driving, though risky behavior can raise rates\u2014important context for high-risk drivers comparing UBI options (<a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\">Progressive Snapshot<\/a>). J.D. Power\u2019s insurance digital experience research underscores the value of seamless self\u2011service plus easy human help (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-digital-experience-study\">2024 U.S. Insurance Digital Experience Study<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Hefty online tools and resources; strong self\u2011service backed by agents (see J.D. Power IDX)<\/li>\n                            <li>Numerous discounts and industry\u2011leading UBI option (Snapshot)<\/li>\n                            <li>Commonly supports SR\u201122 filings; often price\u2011competitive for DUI and major violations<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=24260&#038;:refresh\" rel=\"noopener\" target=\"_blank\">Review NAIC complaint index for your state and year<\/a><\/li>\n                                    <li>Claims satisfaction varies by region and program; consult current J.D. Power findings<\/li>\n                                    <li>Participation in Snapshot can raise rates if driving behavior is risky (see program details)<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">AVAILABLE DISCOUNTS<\/h4>\n                <div> <ul>\n<li>Continuous insurance<\/li>\n<li>Snapshot telematics program (<a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\">details and considerations<\/a>)<\/li>\n<li>Online quote<\/li>\n<li>Sign online<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGE<\/h4>\n                <div> <ul>\n<li>Rental car reimbursement<\/li>\n<li>Custom parts and equipment<\/li>\n<li>Rideshare insurance<\/li>\n<li>Roadside assistance<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"safeauto\" title=\"Best for Minimum Coverage Limits\"><\/span>\n    \n\n                                                \n\n\n<section id=\"safeauto\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">SafeAuto<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Minimum Coverage Limits<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why We Chose It<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                SafeAuto focuses on nonstandard auto with state-minimum and basic policies, making it a common option for drivers needing to keep costs down after violations or lapses. It also supports SR\u201122 filings in many states\u2014useful if you must prove financial responsibility (<a href=\"https:\/\/www.bankrate.com\">Bankrate\u2019s high\u2011risk guide<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_SafeAuto_SafeAuto&#038;rvitemid=315970-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not rated<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not rated<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                SafeAuto focuses on nonstandard auto with state-minimum and basic policies, making it a common option for drivers needing to keep costs down after violations or lapses. It also supports SR\u201122 filings in many states\u2014useful if you must prove financial responsibility (<a href=\"https:\/\/www.bankrate.com\">Bankrate\u2019s high\u2011risk guide<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Specializes in high-risk\/nonstandard markets and minimum limits<\/li>\n                            <li>Multiple discounts and flexible quoting channels<\/li>\n                            <li>SR\u201122 support helps with license reinstatement requirements<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Fewer add\u2011on coverages than large national carriers<\/li>\n                                    <li>Not rated by J.D. Power for customer or claims satisfaction<\/li>\n                                    <li>Not rated by AM Best for financial strength<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">AVAILABLE DISCOUNTS<\/h4>\n                <div> <ul>\n<li>Homeownership<\/li>\n<li>Continuous insurance<\/li>\n<li>Pay in full<\/li>\n<li>Vehicle safety features<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGE<\/h4>\n                <div> <ul>\n<li>Rental car reimbursement<\/li>\n<li>Towing and labor<\/li>\n<li>Accidental death benefit<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"direct-auto\" title=\"Best for Added Perks\"><\/span>\n    \n\n                                                \n\n\n<section id=\"direct-auto\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Direct Auto<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Added Perks<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Direct Auto focuses on nonstandard risks and offers a mix of in\u2011person agencies, digital tools (including text\u2011to\u2011pay) and 24\/7 roadside assistance. It also commonly handles SR\u201122\/FR\u201144 filings, which high\u2011risk drivers in some states need after serious violations (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor\u2019s high\u2011risk overview<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Direct_Auto_Insurance&#038;rvitemid=323871-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not rated<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not rated<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Direct Auto focuses on nonstandard risks and offers a mix of in\u2011person agencies, digital tools (including text\u2011to\u2011pay) and 24\/7 roadside assistance. It also commonly handles SR\u201122\/FR\u201144 filings, which high\u2011risk drivers in some states need after serious violations (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor\u2019s high\u2011risk overview<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Quotes available online, by phone, or in local agencies<\/li>\n                            <li>Unique perks and SR\u201122\/FR\u201144 support in many states<\/li>\n                            <li>Numerous discounts available, including telematics (DynamicDrive)<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Fewer add\u2011on coverages than large national carriers<\/li>\n                                    <li>Not rated by J.D. Power for customer or claims satisfaction<\/li>\n                                    <li>Not rated by AM Best for financial strength<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">AVAILABLE DISCOUNTS<\/h4>\n                <div> <ul>\n<li>DynamicDrive telematics program<\/li>\n<li>Affinity<\/li>\n<li>Homeowner<\/li>\n<li>Prior coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGE<\/h4>\n                <div> <ul>\n<li>Rental reimbursement<\/li>\n<li>Towing and labor<\/li>\n<li>Accidental death<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*J.D. Power 2021 Auto Claims Satisfaction Study. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"need-to-know\" title=\"What You Need To Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">High-Risk Car Insurance: What You Need to Know<\/h2>\n\n\n\n<p>\u201cHigh-risk\u201d (often called nonstandard) typically includes one or more of: DUI\/DWI or other major violations; recent at\u2011fault crashes; multiple speeding tickets; a lapse in coverage; very poor credit where allowed; SR\u201122\/FR\u201144 filings; or very new drivers. Pricing spreads across insurers are widest for these profiles, so quoting broadly matters. Recent market research highlights three 2025 realities: rate hardening and shifting appetites keep quotes volatile; telematics adoption is rising and can materially affect premiums; and customer satisfaction depends heavily on transparent pricing and digital experiences (<a href=\"https:\/\/www.thezebra.com\/resources\/research\/state-of-auto-insurance-report\/\">The Zebra 2025<\/a>; <a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" rel=\"noopener\">J.D. Power 2025<\/a>). For many high\u2011risk scenarios, State Farm and Progressive are frequently competitive nationwide (USAA if eligible), while nonstandard specialists fill gaps when mainstream carriers decline (<a href=\"https:\/\/www.forbes.com\" target=\"_blank\" rel=\"noopener\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noopener\">Bankrate<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"sr-22\" title=\"SR-22 Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">SR-22 Insurance<\/h2>\n\n\n\n<p>An SR\u201122 is a certificate of financial responsibility your insurer files with the state to prove you carry required liability coverage after certain serious violations; it\u2019s not a separate policy. Some states use related forms: FR\u201144 (Florida and Virginia) requires higher liability limits for DUI offenses; a few use SR\u201122A in specific circumstances. If the policy cancels or lapses, your insurer must notify the state, usually triggering a new suspension (<a href=\"https:\/\/www.progressive.com\" target=\"_blank\" rel=\"noopener\">Progressive<\/a>; <a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">Florida HSMV<\/a>).<\/p>\n\n\n\n<p>Not all insurers file SR\u201122s; if yours doesn\u2019t, you may need a nonstandard carrier. Insurers typically charge a one\u2011time filing fee of roughly $15\u2013$25, but the major cost impact is the underlying violation. National analyses find a DUI can raise auto insurance premiums around 70%\u201380% on average, with state\u2011by\u2011state variation; in FR\u201144 states, higher mandated limits increase costs further (<a href=\"https:\/\/www.progressive.com\" target=\"_blank\" rel=\"noopener\">Progressive<\/a>; <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noopener\">NerdWallet<\/a>; <a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">FLHSMV<\/a>).<\/p>\n\n\n\n<p>How long you must carry it depends on your state and violation: Texas generally requires 2 years (<a href=\"https:\/\/www.dps.texas.gov\" target=\"_blank\" rel=\"noopener\">Texas DPS<\/a>); California commonly requires about 3 years after DUI\u2011related reinstatement (<a href=\"https:\/\/www.dmv.ca.gov\" target=\"_blank\" rel=\"noopener\">California DMV<\/a>); Florida typically requires FR\u201144 for about 3 years after a DUI (<a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">FLHSMV<\/a>). Continuous coverage is critical; any lapse usually resets the compliance clock and can resuspend your license (<a href=\"https:\/\/ilsos.gov\" target=\"_blank\" rel=\"noopener\">Illinois SOS<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"when-considered\" title=\"When Someone Is Considered a High-Risk Driver\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">When Someone Is Considered a High-Risk Driver<\/h2>\n\n\n\n<p>Insurers label drivers high\u2011risk for several reasons. These common scenarios reflect current underwriting practices and rate studies (<a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noopener\">NerdWallet<\/a>; <a href=\"https:\/\/www.forbes.com\" target=\"_blank\" rel=\"noopener\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noopener\">Bankrate<\/a>):<\/p>\n\n\n<div id=\"block_62543bd313da3\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">After a DUI\/DWI\/OWI<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>A DUI, DWI, or OWI is one of the most serious offenses on a driving record and typically triggers steep surcharges for 3\u20135 years. In most states, drivers who have a <a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-dui-affects-your-premiums\/\">DUI on their record<\/a> are required to file an SR-22; in Florida and Virginia, FR\u201144 filings with higher liability limits are used after DUI (<a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">FLHSMV<\/a>). You could be dropped or non\u2011renewed by your insurer and need a nonstandard carrier to stay insured.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62543c0313da4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">After multiple claims or tickets<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Multiple at\u2011fault crashes or speeding tickets can move you into a nonstandard tier, even if individual incidents seem minor. Current studies show large price swings across carriers for identical high\u2011risk profiles, so it\u2019s essential to compare many quotes and consider telematics to offset surcharges (<a href=\"https:\/\/www.thezebra.com\/resources\/research\/state-of-auto-insurance-report\/\">The Zebra 2025<\/a>; <a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" rel=\"noopener\">J.D. Power 2025<\/a>).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62543c1913da5\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Poor credit<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>In most states, insurers use credit-based insurance scores. Very poor credit is associated with higher claim frequency and severity and can lead to sizable surcharges where permitted. Improving credit and maintaining continuous coverage can reduce costs over time (<a href=\"https:\/\/www.iii.org\/article\/what-determines-price-my-auto-insurance-policy\" target=\"_blank\" rel=\"noopener\">III overview<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62543c3b13da6\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Age<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Teens and newly licensed drivers are often considered high\u2011risk due to inexperience. Rates tend to moderate with clean driving history over time; telematics and approved driver\u2011training discounts can help young drivers lower costs (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"what-to-do\" title=\"What to Do If No Insurance Company Will Cover You\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">What to Do If No Insurance Company Will Cover You<\/h2>\n\n\n\n<p>Cast a wide net: mix mainstream carriers (e.g., State Farm, <a href=\"#progressive\" rel=\"nofollow\" class=\"achor-toggles\">Progressive<\/a>, Nationwide; USAA if eligible) with nonstandard specialists (<a href=\"#the-general\" rel=\"nofollow\" class=\"achor-toggles\">The General<\/a>, <a href=\"#direct-auto\" rel=\"nofollow\" class=\"achor-toggles\">Direct Auto<\/a>\/<a href=\"#safeauto\" rel=\"nofollow\" class=\"achor-toggles\">SafeAuto<\/a>, Dairyland, Bristol West, National General). Ask about SR\u201122\/FR\u201144 workflows and fees if you need a filing. Enroll in telematics day one to unlock participation credits and build savings over time; low\u2011mileage drivers should compare pay\u2011per\u2011mile options such as Nationwide SmartMiles and Allstate Milewise (<a href=\"https:\/\/www.forbes.com\" target=\"_blank\" rel=\"noopener\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noopener\">Bankrate<\/a>; <a href=\"https:\/\/www.thezebra.com\/resources\/research\/state-of-auto-insurance-report\/\">The Zebra 2025<\/a>). If you\u2019re still declined, every state has a residual market\/assigned risk plan you can access through your state Department of Insurance or an agent (often administered via your state\u2019s auto plan); these programs ensure availability when the voluntary market won\u2019t, though at higher cost (overview in <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noopener\">NerdWallet<\/a>). Carrier availability can change as rates are approved\u2014e.g., large carriers have resumed writing in select states after approvals (<a href=\"https:\/\/www.reuters.com\" target=\"_blank\" rel=\"noopener\">Reuters<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_62543c7513da9\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is high-risk car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Prices vary widely by state, violation type, credit (where used), vehicle, and insurer. As a benchmark, national analyses indicate a DUI often increases premiums roughly 70%\u201380% on average, with FR\u201144 states (FL, VA) costing more due to higher required limits. Savings levers that can help: enroll in telematics\/UBI (e.g., <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\/drive-safe-save\">Drive Safe &amp; Save<\/a>; <a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\">Snapshot<\/a>), consider pay\u2011per\u2011mile if you drive less (<a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/smartmiles\/\">SmartMiles<\/a>; <a href=\"https:\/\/www.allstate.com\/auto-insurance\/milewise\">Milewise<\/a>), and complete approved driver\u2011training courses where mandated discounts apply (<a href=\"https:\/\/dmv.ny.gov\/tickets\/point-insurance-reduction-program\">NY PIRP example<\/a>). Sources: <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (SR\u201122 &#038; DUI impacts)<\/a>; <a href=\"https:\/\/www.iii.org\/article\/how-to-lower-your-auto-insurance-costs\" target=\"_blank\" rel=\"noopener\">III<\/a>.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62543c8e13daa\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the best insurance company for high risk drivers?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>There\u2019s no single best carrier for every scenario. In 2025 comparisons, State Farm and Progressive often quote among the lowest for many high\u2011risk profiles, with USAA frequently cheapest for eligible military members. If mainstream quotes are unaffordable or you need an SR\u201122, try nonstandard specialists like Dairyland, The General, Direct Auto\/SafeAuto, Bristol West, or National General. Quote broadly\u20146\u201310+ companies if possible\u2014and pair with telematics for maximum savings (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62543ca913dab\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I get high-risk car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Gather driver, vehicle, and violation details and request quotes online, by phone, or with an agent. If you need an SR\u201122\/FR\u201144, confirm the carrier will file it and ask about filing fees. Enroll in telematics on day one for an upfront participation credit and future savings opportunities. If you\u2019re declined, ask an agent about your state\u2019s assigned risk plan (residual market) to maintain legal coverage while you rebuild your record. References: <a href=\"https:\/\/www.progressive.com\" target=\"_blank\" rel=\"noopener\">Progressive SR\u201122 overview<\/a>; <a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" rel=\"noopener\">J.D. Power 2025 findings on affordability &#038; UBI<\/a>.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology&nbsp;<\/h2>\n\n\n\n<p>We evaluated companies serving high\u2011risk drivers using current pricing research, discount depth (especially telematics and pay\u2011per\u2011mile), SR\u201122\/FR\u201144 support, financial stability context, and independent satisfaction and digital experience benchmarks. We emphasized options and tactics shown to cut costs for DUI, at\u2011fault crash, multiple tickets, and poor\u2011credit profiles in 2025 studies.<\/p>\n\n\n\n<ul><li>Discounts and savings levers: We prioritized impact from telematics\/UBI and mileage\u2011based programs and stackable billing\/vehicle\/driver discounts, drawing on industry examples such as <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\/drive-safe-save\">Drive Safe &amp; Save<\/a>, <a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\">Progressive Snapshot<\/a>, <a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/smartmiles\/\">Nationwide SmartMiles<\/a>, and guidance from the <a href=\"https:\/\/www.iii.org\/article\/how-to-lower-your-auto-insurance-costs\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"achor-toggles\">Insurance Information Institute<\/a>.<\/li><li>Financial stability: We referenced current sector stability context (ratings\/outlooks and capital considerations) from leading sources to understand resilience and why most insurers maintain strong balance sheets while outlooks can change with market conditions.<\/li><li>Customer and digital experience: We considered independent benchmarks including <a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power 2025 U.S. Auto Insurance Study<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-digital-experience-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"achor-toggles\">J.D. Power 2024 U.S. Insurance Digital Experience Study<\/a>. For claims-specific comparisons shown in our table, we referenced the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-claims-satisfaction-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 Auto Claims Satisfaction Study<\/a>.<\/li><li>Coverage and SR\u201122 support: We reviewed add\u2011ons and filing support relevant to high\u2011risk drivers and validated state\u2011specific SR\u201122\/FR\u201144 facts with authoritative sources (<a href=\"https:\/\/www.dps.texas.gov\" target=\"_blank\" rel=\"noopener\">Texas DPS<\/a>; <a href=\"https:\/\/www.dmv.ca.gov\" target=\"_blank\" rel=\"noopener\">California DMV<\/a>; <a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">FLHSMV<\/a>; <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noopener\">NerdWallet<\/a>).<\/li><li>Pricing research: We synthesized 2025 comparative findings across high\u2011risk profiles from <a href=\"https:\/\/www.forbes.com\" target=\"_blank\" rel=\"noopener\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noopener\">NerdWallet<\/a>, <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noopener\">Bankrate<\/a>, and market context from <a href=\"https:\/\/www.thezebra.com\/resources\/research\/state-of-auto-insurance-report\/\">The Zebra 2025<\/a>.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>High-risk auto insurance usually applies to drivers with a recent DUI\/DWI, at-fault crash, multiple speeding tickets, a lapse in coverage, very poor credit where permitted, or limited experience. In 2025, multiple national studies find that broad-market carriers like State Farm and Progressive are frequently among the lowest-priced options for many high-risk scenarios, with USAA often [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362523,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[15839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Auto Insurance Companies for High-Risk Drivers - Reviews.com<\/title>\n<meta name=\"description\" content=\"Can I get car insurance if I am a &#039;high-risk&#039; driver? You sure can &amp; the Reviews team is here to help. 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