Best High-Risk Car Insurance Companies

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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: Oct 5, 2020

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Here's what you need to know...

  • Consider price, reputation, and customer service when looking for a high-risk insurance company
  • Know your state’s requirements for high-risk car insurance before purchasing a policy
  • Research several different companies before committing to buying insurance coverage

If you need high-risk insurance it is in your interest to find the best high car risk insurance companies around.

More car insurance companies are now offering high-risk insurance policies, giving you more options from which to choose.

Every state has different laws regarding car insurance products, so an insurance company that is best in one state may not necessarily be the best in another state.

Compare multiple high-risk car insurance quotes online along with standard car insurance quotes by entering your ZIP code above.

What is considered high-risk insurance?

Every state has requirements set forth that insurance companies must comply with in order to do business in that state.

Most insurance companies operate in multiple states, which means the insurance company’s requirements and rating structure may differ depending on where you live.

To find out what is legal in your state, you can check with the Insurance Commissioner of your state for a list of their rules.

For example, one state may allow a high-risk insurance company to use your credit report for determining your car insurance rate while another state may disallow the use of it.

Depending on your credit score and where you live, this may or may not be in your best interest with the various car insurance companies.

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Reputation and Customer Service for High-Risk Insurance Companies

While it may be tempting to buy car insurance from the insurance company that offers you the lowest rate, that may not always be the best choice.

If you are ever in an accident involving a claim, you need an insurance company that is going to be there for you to assist with the claims handling process quickly and efficiently.

Customer service is important whether you have a general question about your policy or an actual claim that needs to be submitted.

Some insurance companies are available by phone, local offices, and websites that allow you to do live chats 24/7 or even pay your bill or submit a claim online.

Reputation is a crucial factor in selecting an insurance company.

A business with a strong financial rating is important in the event you have a valid claim that needs to be paid.

A company that offers quality customer service, an excellent reputation, and fair rates is one of the best high-risk insurance companies.

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Who has the cheapest high-risk insurance?

Insurance companies charge a higher premium for high-risk insurance policies than for policies that are issued for drivers who qualify for standard car insurance.

The rate may be based on a few different factors, including your age, driving record, credit report, and what constitutes you as a high-risk driver.

Once you are considered to be a high-risk driver then you are most likely going to pay a lot more for your car insurance. However, that does not mean that every insurance company will offer you the same rate.

Most insurance companies do have competitive pricing, so you can get a lower rate by simply shopping around for one. You can shop for rates now by entering your ZIP code in the quote tool provided.

References:

  1. https://www.statefarm.com/insurance/auto/resources/high-risk-auto-insurance
  2. https://www.naic.org/state_web_map.htm
  3. https://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm
  4. https://www.ambest.com/home/default.aspx
  5. https://www.esurance.com/info/car/moving-violations-and-car-insurance-rates

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