Car Insurance for High-Risk Drivers: How to Get Covered Without Going Broke
If you have a DUI, multiple accidents, or a poor credit score, finding affordable car insurance can feel impossible. But don't lose hope—this guide reveals practical ways to get coverage without overspending.
Who's Considered "High-Risk"?
Drivers with recent DUIs or speeding tickets
Those with multiple at-fault accidents
Young or inexperienced drivers
People with low credit scores
5 Ways to Lower Your Rates
1. Shop Specialty Insurers
Some companies specialize in high-risk drivers and offer better rates than mainstream providers.
2. Take a Defensive Driving Course
Completing an approved course can lead to significant discounts.
3. Opt for a Higher Deductible
This reduces your monthly premium (just ensure you can cover the deductible if needed).
4. Drive a Low-Risk Vehicle
Avoid sports cars and opt for safe, modest models with good safety ratings.
5. Improve Your Credit Over Time
Pay bills on time and reduce debt—many insurers check credit when setting rates.
Last Resort: State-Assigned Risk Pools
If no private insurer will cover you, your state's high-risk pool guarantees coverage (although it's often expensive).
Conclusion
Even with a troubled driving history, affordable car insurance is possible. Follow these steps to rebuild your record and gradually lower your rates.