Image: Man lying on his couch, reading on his phone about the best auto insurance for high-risk drivers
In a Nutshell
If insurers consider you a high-risk driver, it might help to know which companies we’ve named best for high-risk auto insurance.
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Almost every state requires you to carry car insurance if you want to drive a vehicle — but getting insurance isn’t always a simple process.
Each person has a unique combination of factors influencing their car insurance rates. On top of that, each insurer can evaluate each customer’s risk differently.
So finding the most affordable car insurance policy isn’t as straightforward as getting a single quote — especially if your driving history isn’t great. Drivers with accidents, speeding tickets, DUIs or other negatives on their driving records can face higher rates.
If you fall into this category, you’ll likely need to do more digging to find the most affordable car insurance option. To help you zero-in on some options, here’s a look at our picks for best high-risk car insurance companies.
Do insurers have to give high-risk individuals an insurance quote?
No, insurance companies are not required to insure any particular driver.
What happens if I can’t find an insurance quote?
If you can’t find insurance, contact your state’s insurance department and ask about a state-assigned risk pool. These pools help individuals get insurance, though it may be expensive.
About the author: Lance Cothern is a freelance writer specializing in personal finance. His work has appeared on Business Insider, USA Today.com and his website, MoneyManifesto.com. Lance holds a Bachelor of Business Administration in … Read more.
