Car insurance for high-risk drivers is often available, but they can often expect to pay higher rates compared to low-risk drivers. If you have a history of accidents or violations and an auto insurance company refuses to offer you a policy, you can still get coverage from another insurance company. Each insurer has a different determination of what risks are acceptable, and these parameters may change. Receiving a conviction for drunk driving (DWI) or driving under the influence of alcohol is serious enough to merit criminal penalties in many states.
It's also likely to increase your car insurance premiums significantly. In the table below, you'll find the lowest average car insurance estimates for drivers with a DUI. If you're caught practicing too many unsafe driving habits, your car insurance could be even more expensive. While most insurers, including Progressive, can charge higher premiums to inexperienced drivers or drivers who are prone to accidents, there is no term “high-risk auto insurance policy” at Progressive.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. If you are required to submit proof of insurance with an SR-22 or FR-44, Progressive will file the form for you. While other companies have since entered the market, Progressive still offers competitive rates on auto insurance for drivers with DUI charges and speeding tickets. These risk factors are, to a large extent, those used by the best high-risk auto insurance companies when setting car premiums, as they can increase the likelihood that a driver will file a claim.
In addition, Progressive rewards customer loyalty with discounts for insuring more than one car and combining several policies, such as home and car. If your car insurance company classifies you as a high-risk driver, you're likely to pay more than the average driver. However, today, the best high-risk auto insurance companies offer usage-based insurance plans that charge you based on how much you actually drive your vehicle. Progressive offers a number of lines of insurance that can be grouped together and practical tools to help you keep your coverage within your budget.
And while a driver may be considered high-risk for one insurance company, it may not be for another insurance company. Getting quotes from different car insurance companies will help you make sure that you're paying the right price for the coverage you need.