Does your car insurance company call you a risky driver? If they are, you might have to pay more for your insurance than others. Being risky means you’ve had accidents, gotten tickets, or driven under the influence of alcohol or drugs.
However, at this time, having the best car insurance that’s beneficial in all conditions is a boon. So, if you’re looking for the best car insurance for high-risk drivers, join us as we explore some of the best options out there.
Overview of Car Insurance for High-Risk Drivers
Car insurance for high-risk drivers provides coverage for individuals with a history of accidents, violations, or other risky driving behaviors. These drivers often face higher premiums due to the increased likelihood of filing claims.
Insurers may offer specialized policies or programs for high-risk drivers, such as accident forgiveness or defensive driving discounts. High-risk drivers need to compare quotes from as many insurers as possible to find the best coverage options at affordable rates. these also apply to car insurance for veterans.
Top 5 Car Insurance for High-Risk Drivers
Car insurance is essential for every driver, but finding the right coverage can be challenging for those considered high-risk due to past accidents or violations. However, here we mentioned the top five car insurance providers that cater to high-risk drivers:
1. Beem
If you’re a high-risk driver and need to find the best car insurance, Beem is your best ally. Beem is a convenient platform for finding car insurance quotes tailored to your needs. In just 5 minutes, you can receive personalized quotes from all major insurance providers to compare and find the best match.
Pros
Beem offers personalized car insurance quotes in just 5 minutes, saving users time and effort. Users can compare options from all major car insurance providers in one place, facilitating informed decision-making.
With Beem, users can save up to $1000 per year on car insurance premiums.
Beem provides access to discounts from top insurance providers like Progressive and GEICO, maximizing potential savings.
Beem rewards good driving behavior, offering discounts of up to 40% for safe drivers.
There are no hidden fees or catches with Beem, ensuring transparency and trust throughout the process.
2. State Farm
State Farm is a trusted name in the world of car insurance. They offer a wide range of insurance coverage options and discounts to suit different types of drivers, including those who may be considered high-risk. With State Farm, you can rest assured that you’re getting comprehensive coverage that protects you on the road while providing opportunities to save money on your premiums.
| Pros | Cons |
|---|---|
| Small rate hikes after mistakes compared to others. | You have to chat with a nearby agent for a quote. |
| Strong coverage across the country. | Overall, premiums might be a bit higher. |
| Loads of discounts to cut down on costs. |
3. Progressive
Progressive stands out among car insurance providers for its willingness to offer coverage to drivers with severe DUI offenses. It’s recognized as one of the top choices for high-risk drivers, especially those with a DUI or DWI on their record, although premiums tend to be higher. Progressive also offers programs like Accident Forgiveness, which can prevent rate hikes after accidents, making it appealing for drivers facing such situations.
| Pros | Cons |
|---|---|
| Quotes are available online for convenience. | The above-average NAIC complaint index score indicates some customer dissatisfaction. |
| Coverage in all 50 states. | Premiums can be higher compared to standard insurance providers. |
| Specialized programs for high-risk drivers, including those with DUI offenses. | |
| Options for Accident Forgiveness to prevent rate increases after accidents. |
4. GEICO
GEICO is a widely available car insurance provider known for offering some of the lowest average rates nationwide. It’s recognized as the top choice for affordable auto insurance and also offers the best car insurance for young drivers and high-risk drivers, making it a versatile option for many.
| Pros | Cons |
|---|---|
| Lowest average rates among significant insurers. | High premiums for high-risk drivers, although rates may vary. |
| Inclusive coverage options, including for high-risk drivers. | Limited availability of physical branches for in-person services. |
| Nationwide availability for convenience. | |
| Convenient features like online policy management and digital ID cards. |
5. American Family
American Family Insurance is known for offering affordable full-coverage rates, especially for teens and high-risk drivers. With below-average customer complaints, they provide extensive coverage options and discounts to suit different needs.
| Pros | Cons |
|---|---|
| Wide range of coverage options, including unique offerings like pay-per-mile insurance. | Availability is limited to only 19 states. |
| Programs like KnowYourDrive can help safe drivers save on premiums. | Rates may not be as competitive for average drivers as other insurers. |
| Affordable rates, particularly for high-risk drivers like those with a DUI. |
Finding the Right Car Insurance Provider for High-Risk Drivers
Finding the right car insurance is important for high-risk drivers. Look for companies that specialize in covering drivers with past accidents or violations. Compare rates from every possible insurer and choose the best coverage for your needs. Consider factors like customer service and available discounts. Remember, being a safe driver in the future can also help lower your premiums.
Conclusion
In summary, if you’re researching car insurance for high-risk drivers, understand that it might cost you more because you’ve had problems while driving. But don’t worry. It’s essential to look carefully to find the best insurance. You should check out different insurance options based on your situation. Every insurance company looks at risks differently and charges you based on that. But if you get car insurance quotes from a platform like Beem, you can get the best price and maximum discount for the insurance you need.
FAQs
What is the best insurance company for high-risk drivers?
The best insurance company for high-risk drivers varies based on individual circumstances. Companies like Progressive, GEICO, and The General often provide competitive rates and tailored coverage for high-risk drivers.
Do high-risk drivers pay lower premiums for insurance than other drivers?
No, high-risk drivers typically pay higher premiums than other drivers. Insurance companies view them as more likely to file claims, necessitating higher premiums to offset potential costs and ensure profitability for the insurer.
How can high-risk drivers save money on auto insurance?
High-risk drivers can save money on auto insurance by improving their driving record, taking defensive driving courses, bundling policies, opting for higher deductibles, and comparing quotes from all insurers to arrive at the best rates tailored to their circumstances.
