High-Risk Car Insurance Options

High-risk car insurance rates are $137.75/mo higher than normal rates in the US. Find a high-risk car insurance company to meet your needs.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 25, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • There are many reasons why you may be looking for high-risk car insurance
  • If you need high-risk insurance, try to find a company that specializes in that type of coverage
  • High-risk insurance will most likely be more expensive than typical coverage

There are several reasons a person can find themselves in the position of considering high-risk car insurance.

Maybe you’ve had a bad run of traffic violations because you own one of the fastest cars in your town. Even worse, maybe you have earned a DUI conviction. Or you may be a parent shopping for insurance for a teen starting out on the roads for the first time.

In any case, whatever the reason high-risk insurance is being considered, there is no reason to avoid shopping around to find the best rates available.

Enter your zip code above now to find the best rates on high-risk car insurance in your area!

Don’t Limit Your Options

The first rule for those pursuing a high-risk auto insurance policy is to be vigilant in your search.

Don’t settle for the first option. Compare rates with multiple companies to make sure you get the best deal you can. Some companies offer high-risk insurance as an afterthought, and they charge unfairly high rates for the service.

Find a company that specializes in this area of insurance to get the best rates for your particular situation.

The biggest mistake consumers make when shopping for high-risk insurance is to succumb to unrealistic rates and fees.

Make sure that you exhausted every option before engaging in a contract.

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When shopping for high-risk car insurance, it is easy to let the premiums be your guide.

Because you are shopping for high-risk insurance, your premiums will be significantly higher than the average premiums. The lowest cost is the one that catches your eye first.

There’s nothing wrong with this approach. Everyone wants to get insurance for the lowest cost that they can.

However, you have to look into what the policy actually covers. For example, some high-risk insurers might offer a great rate, but upon further examination, you find out that they only offer liability coverage or have terribly high deductibles.

Remember, the purpose of insurance is to protect you if something goes wrong, and that low premium rate will offer little solace if the policy doesn’t cover the right situations.

If you are in a situation where you need collision and comprehensive coverage, don’t feel like your options are limited.

There are plenty of companies out there that offer full coverage, even to high-risk candidates.

Their premiums will obviously be higher, but you need to look at the premium in relation to what it offers and not use the overall price as your bottom line.

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Some high-risk insurers keep their premiums low by setting high deductibles.

Car insurance deductibles are the out-of-pocket cost you will have to come up with in the event of an accident.

In some instances, the deductible can be so high that it makes claiming a small accident on the policy impossible. Getting a more reasonable deductible will definitely increase the premium, but it may pay off big time in the long run.

Remember, you need the insurance policy that meets your needs for the best possible price.

Don’t settle for a low price if the insurance carrier will not be there for you in your time of need. This is almost like not having insurance at all.

Shop Around

The key to finding the right high-risk automobile insurance policy for you is to know your alternatives.

Too many drivers pay hundreds of extra dollars for high-risk insurance because they simply didn’t consider all the alternatives.

Consider using an online insurance quote comparison service to find multiple offers at one time.

Enter your zip code below to find the best rates on high-risk car insurance in your area!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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