What Is High-Risk Car Insurance? A Guide

High-risk car insurance is reserved for drivers who fall into the high-risk category, which includes anyone with multiple traffic violations, at-fault accidents, and other issues that result in higher costs for car insurance companies.

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If you’re in the high-risk category, your auto insurance quotes will be higher, and it may take several years for things to return to normal.

When are 您 Considered a High-Risk Driver?

您’re considered to be high-risk as soon as the statistics suggest that you’re more likely to make a claim.

例如,你’ll be given the high-risk label if you are responsible for a major car accident or receive a DUI conviction. 您’如果您有超速罚单,闯红灯,非法转弯或未能在事故现场停留的情况,将给予相同的待遇。

But that’s not all.

您 also fall into the high-risk category if you’re a teenage driver who has just passed their test. Young drivers are significantly more likely to be involved in an accident and the same is true for male drivers and inexperienced drivers.

As a 16-year-old male getting behind the wheel for the first time, you’re considered to be just as much of a liability, if not more so, than an experienced driver who has previously been convicted of a serious driving offense.

The same is true for drivers over the age of 70, as the rate of accidents and claims increase after this milestone. That’s why many states insist on regular renewals along with vision tests, reaction tests, and letters from physicians.

How will Offenses Increase my Premiums?

违反交通法规可能会增加您的汽车保险费率,而这种增长将持续数年。 DUI的工作方式相同,尽管在这种情况下,您可能会面临立即停职以及罚款的情况,并且可能需要一段时间才能完成’重新允许再次驶过方向盘。

The following price increases are based on national averages, but all auto insurance companies have different underwriting processes and take several other factors into consideration.

  • Driving Under the Influence = 70% to 80%
  • Reckless Driving = 75%
  • Racing = 70%
  • Speeding (30mph or more over the limit) = 30%
  • Texting While Driving = 22%
  • Distracted Driving = 21%
  • Speeding (15 to 30 mph over the limit) = 20%
  • Illegal Passing = 20%
  • Speeding (up to 15 mph over the limit) = 18%
  • Illegal Turn = 15%
  • Failure to Yield or Stop = 15%
  • Talking on Phone = 15%
  • Driving without Car Insurance = 10%
  • 没有t Wearing a Seatbelt (in ) = 3%

Cost of High-Risk Insurance in Every State

您r location is one of the biggest factors determining the cost of your car insurance quotes and this is true whether you have a clean driving record or several moving violations.

In the list below, we have included the average cost of car insurance in each state, followed by the potential increases from speeding tickets and DUI/DWI convictions.

  • 阿拉巴马州 –Statewide Average Car Insurance Cost = $1,300; Cost with One Speeding Ticket = $1,670; Cost with One DUI = $2,500
  • 阿拉斯加州 –Statewide Average Car Insurance Cost = $1,200; Cost with One Speeding Ticket = $1,500; Cost with One DUI = $2,800
  • 亚利桑那 –Statewide Average Car Insurance Cost = $1,450; Cost with One Speeding Ticket = $1,780; Cost with One DUI = $1,800
  • 阿肯色州 –Statewide Average Car Insurance Cost = $1,550; Cost with One Speeding Ticket = $1,900; Cost with One DUI = $2,400
  • California –Statewide Average Car Insurance Cost = $1,850; Cost with One Speeding Ticket = $2,400; Cost with One DUI = $4,000
  • 科罗拉多州 –Statewide Average Car Insurance Cost = $1,780; Cost with One Speeding Ticket = $2,500; Cost with One DUI = $2,400
  • Connecticut –Statewide Average Car Insurance Cost = $1,650; Cost with One Speeding Ticket = $2,300; Cost with One DUI = $3,200
  • 特拉华州 –Statewide Average Car Insurance Cost = $1,850; Cost with One Speeding Ticket = $2,200; Cost with One DUI = $2,600
  • 直流电 –Statewide Average Car Insurance Cost = $1,900; Cost with One Speeding Ticket = $2,200; Cost with One DUI = $2,600
  • 佛罗里达 –Statewide Average Car Insurance Cost = $1,230; Cost with One Speeding Ticket = $3,000; Cost with One DUI = $3,700
  • 佐治亚州 –Statewide Average Car Insurance Cost = $1,800; Cost with One Speeding Ticket = $2,200; Cost with One DUI = $3,000
  • 夏威夷 –Statewide Average Car Insurance Cost = $1,300; Cost with One Speeding Ticket = $2,400; Cost with One DUI = $4,200
  • 爱达荷州 –Statewide Average Car Insurance Cost = $1,050; Cost with One Speeding Ticket = $1,300; Cost with One DUI = $1,500
  • Illinois –Statewide Average Car Insurance Cost = $1,300; Cost with One Speeding Ticket = $1,400; Cost with One DUI = $1,900
  • 印第安那州 –Statewide Average Car Insurance Cost = $1,180; Cost with One Speeding Ticket = $1,300; Cost with One DUI = $1,500
  • 爱荷华州– Statewide Average Car Insurance Cost = $1,050; Cost with One Speeding Ticket = $1,280; Cost with One DUI = $1,700
  • 堪萨斯州 –Average Premiums for Most Drivers = $1,400; Cost with One Speeding Ticket = $1,650; Cost with One DUI = $2,200
  • 肯塔基州 –Average Premiums for Most Drivers = $1,600; Cost with One Speeding Ticket = $2,100; Cost with One DUI = $3,600
  • Louisiana –Average Premiums for Most Drivers = $2,300; Cost with One Speeding Ticket = $2,700; Cost with One DUI = $4,200
  • 缅因州 –Average Premiums for Most Drivers = $850; Cost with One Speeding Ticket = $1,000; Cost with One DUI = $1,500
  • Maryland –Average Premiums for Most Drivers = $1,550; Cost with One Speeding Ticket = $1,800; Cost with One DUI = $2,600
  • Massachusetts –Average Premiums for Most Drivers = $1,250; Cost with One Speeding Ticket = $1,900; Cost with One DUI = $2,350
  • 密西根州 –Average Premiums for Most Drivers = $2,600; Cost with One Speeding Ticket = $3,400; Cost with One DUI = $5,800
  • Minnesota –Average Premiums for Most Drivers = $1,380; Cost with One Speeding Ticket = $1,700; Cost with One DUI = $2,350
  • Mississippi –Average Premiums for Most Drivers = $1,400; Cost with One Speeding Ticket = $2,000; Cost with One DUI = $2,300
  • 密苏里州 –Average Premiums for Most Drivers = $1,280; Cost with One Speeding Ticket = $1,400; Cost with One DUI = $1,900
  • 蒙大拿 –Average Premiums for Most Drivers = $1,600; Cost with One Speeding Ticket = $1,800; Cost with One DUI = $2,100
  • 内布拉斯加 –Average Premiums for Most Drivers = $1,300; Cost with One Speeding Ticket = $1,650; Cost with One DUI = $1,750
  • 内华达州 –Average Premiums for Most Drivers = $1,550; Cost with One Speeding Ticket = $1,900; Cost with One DUI = $3,000
  • New Hampshire –Average Premiums for Most Drivers = $1,100; Cost with One Speeding Ticket = $1,450; Cost with One DUI = $1,850
  • New Jersey –Average Premiums for Most Drivers = $1,520; Cost with One Speeding Ticket = $1,800; Cost with One DUI = $3,000
  • New Mexico –Average Premiums for Most Drivers = $1,400; Cost with One Speeding Ticket = $1,800; Cost with One DUI = $2,000
  • 纽约 –Average Premiums for Most Drivers = $1,800; Cost with One Speeding Ticket = $2,450; Cost with One DUI = $3,000
  • 没有rth Carolina –Average Premiums for Most Drivers = $1,100; Cost with One Speeding Ticket = $2,200; Cost with One DUI = $4,400
  • 没有rth Dakota –Average Premiums for Most Drivers = $1,170; Cost with One Speeding Ticket = $1,350; Cost with One DUI = $2,200
  • 俄亥俄 –Average Premiums for Most Drivers = $1,180; Cost with One Speeding Ticket = $1,250; Cost with One DUI = $1,700
  • 俄克拉荷马州 –Average Premiums for Most Drivers = $1,500; Cost with One Speeding Ticket = $1,900; Cost with One DUI = $2,500
  • 俄勒冈州 –Average Premiums for Most Drivers = $1,300; Cost with One Speeding Ticket = $1,450; Cost with One DUI = $1,850
  • Pennsylvania –Average Premiums for Most Drivers = $1,200; Cost with One Speeding Ticket = $1,600; Cost with One DUI = $1,850
  • Rhode Island –Average Premiums for Most Drivers = $1,850; Cost with One Speeding Ticket = $2,500; Cost with One DUI = $3,350
  • South Carolina –Average Premiums for Most Drivers = $1,440; Cost with One Speeding Ticket = $1,600; Cost with One DUI = $2,200
  • South Dakota –Average Premiums for Most Drivers = $1,270; Cost with One Speeding Ticket = $1,500; Cost with One DUI = $2,200
  • Tennessee –Average Premiums for Most Drivers = $1,300; Cost with One Speeding Ticket = $1,550; Cost with One DUI = $2,100
  • 德州 –Average Premiums for Most Drivers = $1,800; Cost with One Speeding Ticket = $1,900; Cost with One DUI = $2,300
  • 犹他州 –Average Premiums for Most Drivers = $1,200; Cost with One Speeding Ticket = $1,450; Cost with One DUI = $1,900
  • 佛蒙特 –Average Premiums for Most Drivers = $1,100; Cost with One Speeding Ticket = $1,350; Cost with One DUI = $2,050
  • 维吉尼亚州 –Average Premiums for Most Drivers = $1,070; Cost with One Speeding Ticket = $1,200; Cost with One DUI = $1,550
  • Washington –Average Premiums for Most Drivers = $1,400; Cost with One Speeding Ticket = $1,600; Cost with One DUI = $2,000
  • West 维吉尼亚州 –Average Premiums for Most Drivers = $1,480; Cost with One Speeding Ticket = $1,750; Cost with One DUI = $2,100
  • Wisconsin –Average Premiums for Most Drivers = $950; Cost with One Speeding Ticket = $1,450; Cost with One DUI = $1,950
  • 怀俄明州 –Average Premiums for Most Drivers = $1,600; Cost with One Speeding Ticket = $2,000; Cost with One DUI = $2,200

High-Risk Insurance Options

Many insurance carriers will still offer you a policy if you are in the high-risk category, you’ll just be quoted much higher prices until you clean up your driving record.

Try the following tips to ensure you get the best car insurance even when you are considered to be a higher risk.

1. Improve 您r Credit Score

保险商会根据您的信用评分来确定您的风险。他们知道,例如信誉欠佳的人更有可能对自己的保单提出索赔。结果是,信用不良的驾驶员要比信用良好的驾驶员收取更高的费用。

There are a few likely scenarios here. The first is that people with good credit are more financially responsible. 没有t only are they less likely to drive fast or recklessly, but they are also more likely to pay for small accidents out of pocket.

Perhaps more importantly, a good credit driver is more likely to pay for their premiums on time, thus causing fewer problems for the insurer. 

Maintain a good credit history by meeting all your monthly payments on time; avoid applying for any new loans or credit cards; increase your credit limits where possible, and clear as much of your current debt balances as you can.

All of these simple methods will ensure your credit score stays strong.

2. Take a Defensive Driving Course

防御性驾驶课程可以消除交通违章造成的一些损害,并为您提供保持方向盘安全所需的经验和技巧。知识渊博的驾驶员是安全的驾驶员,这就是为什么防御性驾驶执照可以为您节省金钱的原因。

​3. Buy a Suitable Car

If you’re a new driver or you’re making a transition from one vehicle to the next and have the luxury of, then you’re in a very strong position. 

Many young drivers, for instance, will get the fastest and most powerful car they can afford. Either that, or they save every cent they can and purchase the latest trendy new vehicle. But neither of these options will result in an affordable car insurance policy.

与旧车相比,新车的保险成本通常更高,因为更换新车和维修电子设备的成本会更高。至于跑车和豪华车,它们的安全等级要低得多,因此几乎可以肯定会推动那些保险费飞涨。

The ideal car is one that has a high safety rating, is affordable, comes with numerous safety features and anti-theft features, and doesn’t have many custom parts or hard-to-replace parts.

没有t only will car insurance companies look more fondly on vehicles that fit this mold, but you can also take more liberties with regards to the deductible and the coverage options.

例如,一辆崭新的汽车将需要“新车替换”保险以及碰撞保险和综合保险。这样,如果您撞到墙壁,树木或动物,或者在极端天气事件后您的汽车被盗,被破坏或损坏,您不会’会损失所有的投资。

If the car is cheap, you can dismiss those potentially expensive options, knowing that you can cover all minor repairs yourself and write off the vehicle entirely if anything major happens to it.

4. Compare and Contrast

Hundreds of insurance companies operate in every single state and you can sign up over the phone, online or via an insurance agent. With so many choices and possibilities, you have no excuse not to shop around.

A car insurance policy is like any other big purchase you make. 您 wouldn’t buy a brand new $2,000 computer after visiting just one store, nor would you drop several grand on the first car you see.

With car insurance, you need to consult many reps from many major insurance companies (全州, GEICO, State Farm, Progressive, Nationwide) as well as a few local and specialized ones (The General, USAA).

It’s the only way to guarantee the best rates and this applies whether you have a clean driving history, or one filled with violations and insurance claims.

5. Get Some Car Insurance Discounts

Reduce your car insurance premiums by checking all possible discounts and getting as many of them as you can. Car insurance discounts differ from provider to provider and from state to state, but generally, they include:

  • Good Student Discount: 许多州政府要求保险公司为保持高绩点的学生提供折扣。对于高风险的汽车保险提供者和所有合格的申请人来说,这也是非常大的折扣。
  • Safety Features Discount: 增加前后气囊可以为您节省多达40%的全面保险范围。安装这些基本安全功能后,严重受伤和死亡的风险大大降低。还提供防抱死制动,汽车警报器和其他旨在保护驾驶员安全并防止车辆被盗或破坏的功能的折扣。
  • Multi-Car Discount: Add multiple vehicles to the same policy to qualify for a discount. If you have multiple cars and drivers in your household, this discount is a must.
  • Multi-Policy Discount: Insurers use this discount to encourage policyholders to sign up for additional services. For instance, most major standard and non-standard auto insurance carriers will give you a discount if you purchase homeowners insurance along with auto insurance.
  • Student Away Discount: If you’re a young driver who lives and studies on campus, you may qualify for this discount, which takes advantage of the fact you will spend much less time on the roads.
  • Senior Discount: 一些州为高级驾驶员提供折扣,如果这些驾驶员背后有长期清洁的驾驶记录,他们可以节省更多。但是请记住,许多州还需要进行其他视觉/反应测试,以确保您’仍然有能力和负责任。
  • Low Mileage: 基于里程的汽车保险提供商会按里程向您收费。如果开车很多,您可能会付出更多,但如果开车很少,您可能会节省几美元。主要提供商提供了类似的服务,安装了可监视您的驾驶习惯并使用收集的数据来调整您的保险费的应用程序。
  • Married 首页owner Discount: 虽然它’因此,如果您拥有房屋并已婚,您将获得便宜得多的汽车保险。保险公司垂涎已婚投保人,因为他们的责任更大,索赔要求更少,而且还可以获得二对一的交易。

Bottom Line: Higher Premiums but Still Affordable

Receiving the high-risk label doesn’t mean you’re doomed forever, nor does it mean you’ll be paying through the nose for the most basic of car insurance policies. 

您’与标准保险单相比,您支付的费用会更高。但是,通过进行一些研究和大量的比较购物,以及从现在开始保持清晰的驾驶记录,您可以’将为您节省数千美元,并避免将来担心费率上涨。