If you're labeled a high-risk driver, getting affordable car insurance in 2025 might feel impossible. But don't worry — there are ways to reduce costs and find reliable coverage. Whether your risk level is due to a DUI, poor credit, multiple accidents, or being a new driver, this guide will walk you through your best options and strategies.
Who Are Considered High-Risk Drivers?
You may be considered high-risk if you fall into one or more of the following categories:
- Multiple traffic violations or accidents
- DUI or DWI convictions
- Poor credit score
- Lapsed or no prior insurance coverage
- Teenage or senior drivers
- Driving high-performance or exotic cars
Each of these factors increases the likelihood of claims, making insurers more cautious.
🏆 Best Auto Insurance Companies for High-Risk Drivers in 2025
Here's a breakdown of top-rated insurers catering to high-risk drivers this year:
1. The General
- Known for lenient underwriting
- Instant SR-22 filings available
- Quote: thegeneral.com
2. Progressive
- Offers forgiveness programs
- Snapshot® usage-based insurance can help reduce rates
- Learn more on our Top 5 Auto Insurance Companies
3. Dairyland Insurance
- Specializes in non-standard auto insurance
- Flexible payment options
4. Bristol West (part of Farmers)
- Accepts drivers with gaps in coverage
- Ideal for DUIs and major violations
5. Infinity Insurance
- Offers bilingual customer support
- Ideal for drivers in California and Florida
💡 Tips to Lower Your Insurance Premium as a High-Risk Driver
- Improve Your Driving Record: Avoid tickets, accidents, and violations for at least 6–12 months.
- Take a Defensive Driving Course: Some companies reduce your premiums after course completion.
- Choose a Cheaper Car to Insure: Avoid sports cars or luxury vehicles; go for a sedan or compact car.
- Increase Your Deductible: A higher deductible lowers your monthly premium.
- Bundle Your Policies: Combine auto and home insurance to save 10–20%.
- Consider Usage-Based Insurance: Programs like Snapshot or Drivewise reward safe behavior.
🧾 What Is SR-22 Insurance and Do You Need It?
If you're required to file an SR-22, it's not a type of insurance — it's a document proving you carry the minimum required coverage.
📌 Learn more about SR-22 insurance and filing requirements here.
📉 Why Are Your Premiums So High?
Here's what might be influencing your rates:
| Factor | Impact on Premium |
|---|---|
| DUI/DWI conviction | +50% to 100% |
| At-fault accidents | +20% to 40% |
| No prior coverage | +10% to 30% |
| Poor credit score | +25% to 70% |
Use comparison tools to evaluate your options — check out our Auto Insurance Quotes Guide.
📍 States With the Toughest Rates for High-Risk Drivers
Some states are less forgiving than others. Drivers in Michigan, Florida, and California often pay the highest rates.
🔗 Related articles:
- Auto Insurance for New Drivers in 2025
- How to Compare Auto Insurance Quotes
- What Is Auto Insurance and Why You Need It
✅ Final Thoughts
Being labeled a high-risk driver doesn’t mean you're stuck with sky-high premiums forever. By improving your driving record, comparing quotes, and choosing the right insurer, you can still get great coverage in 2025.