If your driving record has a DUI, many accidents, or lots of tickets, insurers may call you a high-risk driver. High-risk car insurance is the type of coverage available to drivers who are more likely than average to file claims. This guide explains what high-risk insurance means, who offers it, what SR-22 is (if you need one), and practical tips to lower cost and get covered. Sources used for facts are shown with each key point. (NerdWallet)
Who is a high-risk driver?
You might be classed as high-risk if any of the following are true:
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You have a recent DUI/DWI or other serious conviction.
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You have several at-fault accidents on your record.
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You have many traffic tickets (speeding, reckless driving).
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You’ve been uninsured or your license was suspended recently.
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You are a young driver with little driving history.
Insurers use these factors to decide price and whether to offer coverage. Not every company treats every factor the same — that is why shopping around matters. (The Zebra)
Which companies insure high-risk drivers?
There are two kinds of companies to try:
1. Major national insurers that sometimes offer high-risk policies
Companies like GEICO, Progressive, State Farm and Allstate can insure high-risk drivers in many situations — but their prices and acceptance rules vary by state and by the specific driving history. Getting quotes from big names is a good first step. (NerdWallet)
2. Nonstandard / high-risk specialist insurers
If mainstream insurers decline you or quotes are too high, there are specialist companies that focus on high-risk drivers. Examples often recommended by experts include The General, Dairyland, Direct Auto / SafeAuto, Bristol West, and similar nonstandard carriers. These companies design policies specifically for drivers with serious records and for people who need SR-22 filings. (The General)
3. Companies that may be best depending on your case
Recent reviews and guides name a mix of companies as good options for high-risk drivers — for example, NerdWallet lists GEICO and Progressive among options to check, while Forbes Advisor and Reviews.com also highlight both mainstream insurers and nonstandard specialists depending on the driver profile. That means the “best” company often depends on your exact history and state. (NerdWallet)
What is an SR-22, and why do people mention it with high-risk insurance?
An SR-22 is not insurance itself — it’s a certificate your insurer files with the motor vehicle department or provides as proof that you carry the state-required liability insurance. Courts or DMVs often require an SR-22 after offenses like DUIs or driving without insurance. Many high-risk drivers need an SR-22; that’s why companies that will file SR-22s are a key place to look. The SR-22 form looks like a short official certificate containing your policy and license details.
How much more expensive is high-risk insurance?
There’s no single number — but expect significantly higher premiums than a low-risk driver. Price depends on:
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The type and recency of violations (a recent DUI raises rates much more than a minor ticket).
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Your age and driving experience.
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The state you live in (insurance rules and minimums differ).
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The vehicle you drive (sports cars cost more).
Because pricing varies a lot, getting multiple quotes is essential. Some nonstandard insurers will have higher base rates but more acceptance for bad records; some mainstream insurers might offer competitive rates if your violations are older or minor. (NerdWallet)
Steps to find the best high-risk policy (practical, simple)
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Get at least 4–6 quotes. Use company websites and independent quote sites. Include mainstream names and nonstandard specialists. (NerdWallet)
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Ask about SR-22 filing if you need it — not all companies file SR-22 in every state. Confirm the filing fee and timing.
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Compare total cost, not just price. Check deductibles, coverages (liability limits), and add-ons. A slightly higher premium with better coverage could save money if you have a claim. (NerdWallet)
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Look for discounts. Some companies still offer safe-driver discounts after a period, or discounts for defensive driving courses, bundling other policies, or paying annually. (NerdWallet)
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Consider improving your risk profile. If possible, take a defensive-driving course, avoid new violations, and keep continuous coverage. Over time this can move you back to standard markets and cut premiums.
Tips to lower your premium fast
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Remove high-risk drivers from your policy if they don’t need to be listed (but be honest — removing someone who drives the car could void coverage).
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Choose a higher deductible to lower premium (only if you can afford the deductible after a claim).
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Drive less — some companies offer low-mileage discounts or usage-based programs for safer driving.
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Improve credit where allowed — in many regions a better credit score can mean lower auto insurance rates. (Rules vary by state.) (NerdWallet)
When to call an agent vs. when to buy online
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Call an agent if your case is complicated (multiple DUIs, license issues, or you need guidance about SR-22 timing). Agents can sometimes find carriers not visible online.
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Buy online if you already have quotes and just need the cheapest valid option and instant proof of insurance.
Many nonstandard insurers also offer online sales for speed and convenience. (The General)
Bottom line — a short checklist
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If you are high-risk, don’t panic: options exist (mainstream insurers + nonstandard specialists). (NerdWallet)
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Get multiple quotes and ask specifically about SR-22 filing.
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Take steps to improve your driving record and look for discounts — this helps lower rates over time. (NerdWallet)
Sources and further reading
Key sources used for this article include NerdWallet’s guide to high-risk auto insurance, Forbes Advisor, specialist carrier pages (like The General), and comparison sites that list nonstandard insurers and SR-22 information. For specific company offers and state rules, check the insurer’s website or your state’s DMV because requirements and prices change by state and over time.