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Best Auto Insurance Companies for High Risk Drivers – Quick Reference Guide

Finding an auto insurance provider after a DUI isn’t easy.

You are looking at paying more for auto insurance.

Potentially a lot more.

Depending on where you live, you may be limited to a few nonstandard, specialized auto insurance providers that offer high-risk insurance coverage.

When shopping for a high-risk insurance policy, the best way to get the most coverage for your dollar is to shop around.

You’ll want to look at more than just the price.

To get the best deal, it is important to get familiar with the nonstandard companies available to you, and to know what each company has to offer.

Best companies offering non standard coverage for drivers with poor driving record.Illustrated above are quotes from companies offering non-standard coverage. Each driver had a poor driving record and credit. If you recently had an insurer drop your coverage, you should consider any of the 9 best non-standard companies I reviewed below.

The General

The General is often considered one of the leading auto insurance providers for drivers with at least one DUI conviction.

Pros Cons
Offers SR-22 filing for driversNo discounts
More affordable for high-risk driversHigher premium than competitors
Driver history check 3 previous years onlyClaims cannot be reported online

They offer specialized, flexible rate plans for high-risk drivers in every state except Hawaii, Massachusetts, Michigan and New Jersey.

The provider makes it easy to file an SR-22.

New customers are asked if they need one when signing up for auto insurance with The General.

If an SR-22 is needed, it is included in the enrollment paperwork.

No matter your driving record, you will be able to get the coverage you need at a favorable rate with The General.

AgeQuote (monthly)*
25 y/o driver$324
30 y/o driver$273
45 y/o driver$185

*with DUI conviction & full coverage

Safe Auto

Safe Auto has specialized in providing drivers with state-minimum auto insurance policies for more than 20 years.

Pros Cons
Offers SR-22 filingPoor customer support
Good option with low credit scoreCan't bundle with life or health insurance
Same-day claims payoutClaims cannot be reported online

They target their policies to drivers that are considered high-risk.

That includes drivers that have a DUI conviction or multiple moving violations

The provider offers some discounts to its customers.

These discounts are available for customers that have more than one vehicle, own a home, or take a driver improvement course.

Although Safe Auto makes it easy for drivers to get coverage after a DUI, the provider only offers its services in 17 states.

It should also be noted that Safe Auto gets mixed reviews related to its handling of claims.

Additionally, the provider has received more complaints to state regulators about its auto insurance coverage than its competitors.

Despite the complaints, Safe Auto is a worthy option for drivers with a DUI in the states it serves.

AgeQuote (monthly)*
25 y/o driver$344
30 y/o driver$289
45 y/o driver$198

*Full coverage with DUI.

Bristol West

As part of Farmers, Bristol West specializes in providing coverage to high-risk drivers.

Pros Cons
Offers SR-22 & FR-44 filingPoor customer support
Low down payment optionHave to work with an agent to get quotes & policies
A rated companyCustomers report unexpected price increases

The provider offers coverage in 42 states.

Like The General, they make it easy to obtain an SR-22 form if needed.

Bristol West also offers an extensive list of discounts, even for drivers with a DUI on their record.

Depending on your state, you might qualify for a discount with Bristol West if you:

– insure more than one car

– own a home

– make electronic payments

– are at least 55 years old and have completed a driver improvement course

With extensive list of potential discounts and its availability in most states, Bristol West could be an attractive option for high-risk drivers needing coverage.

AgeQuote (monthly)*
25 y/o driver$365
30 y/o driver$303
45 y/o driver$215

*Full coverage with DUI

Acceptance

Like Safe Auto, Acceptance is available in 17 states nationwide.

Pros Cons
Offers SR-22 filingLow policy limits
Easy quote processCoverage is more expensive than other insurers
Offers basic coverage for high-risk driversClaims process is not 24 hours a day

The insurer is a viable option for those unable to get insurance though a mainstream provider.

If you have a DUI on your record, Acceptance will be able to file an SR-22 form for you.

Although the company doesn’t offer all the “extras” found at other auto insurance providers, they do offer a Ticketproof program that may be enticing for some drivers.

As part of their Ticketproof program, Acceptance will reimburse drivers for a portion of their costs related to driving infractions.

They will reimburse up to $200 towards legal fees, $100 towards paid citations, and $250 towards court-ordered defensive driving courses.

AgeQuote (monthly)*
25 y/o driver$422
30 y/o driver$342
45 y/o driver$201

*with DUI conviction & full coverage

Fred Loya

Depending on your area, Fred Loya may be sold as Young America , Rodney D. Young, or National.

Pros Cons
Offers SR-22 filingFew discounts
Agents required to settle claims in 24 hoursCoverage is more expensive than other insurers
Coverage for specialized vehiclesNo 24/7 claims process

Coverage is offered in just 11 states.

With offices in Walmart stores around the country, it benefits from its retail presence.

However, the insurer falls short when it comes to meeting the needs of its customers.

Fred Loya does not offer the option for customers to file claims online.

That means you can only file claims by phone during regular business hours.

The insurer has also been hit with legal issues in the past.

While Fred Loya offers bare minimum coverage for drivers with a DUI, there are better alternatives out there.

AgeQuote (monthly)*
25 y/o driver$397
30 y/o driver$316
45 y/o driver$192

*with comprehensive, collision and DUI conviction

Dairyland

Dairyland has been offering coverage for high risk drivers for nearly 70 years.

Pros Cons
Online policy sign upLong wait times for claims payout
Accepts foreign drivers licensesHigh risk pool means higher rates
Offers coverage for old, antique, extra-large and unique vehiclesNo online claims process

Like many other specialized insurers, it only offers its coverage in a select number of states.

Although Dairyland doesn’t have the online presence that some of the larger high-risk insurers have, it does allow its customers to handle claims and pay bills online.

Dairyland also has a mobile app available to its customers, which makes its easy to access your account.

AgeQuote (monthly)*
25 y/o driver$379
30 y/o driver$298
45 y/o driver$189

*with SR-22 filing

Direct Auto

In addition to providing coverage for drivers with a DUI, Direct Auto also offers life and renters coverage.

Pros Cons
Broad range of coverage optionsHigh number of complaints
Flexible payment options based on your budgetLower than average customer service
DirectDrive app to monitor driving and reduce ratesClaims by phone only

That means its customers can take advantage of bundling discounts that aren’t available from other companies specializing in high-risk drivers.

The company also stands out by offering customers flexible, customizable payment options.

Unfortunately, Direct Auto only offers its coverage in 12 states, making it a viable option only for drivers in the states it serves.

AgeQuote (monthly)*
25 y/o driver$361
30 y/o driver$288
45 y/o driver$193

*with comprehensive, collision, poor driving record and credit

Kemper

A DUI on your record doesn’t mean you can’t get coverage from a bigger company.

Pros Cons
Easy online quote processNo free policy cancellation
Wide array of discountsNot all vehicle brands & models covered
24/7 availabilityNo rideshare coverage

As one of the largest companies in the United States, Kemper is well known for the high-risk coverage it offers.

Kemper’s coverage is more extensive than some other specialty providers that only offer state-minimums.

They also offer coverage for salvaged vehicles and will even provide text alerts to their customers to help avoid penalties for missing payments.

AgeQuote (monthly)*
25 y/o driver$354
30 y/o driver$271
45 y/o driver$184

*with poor driving record and credit

Nationwide (Titan)

If you’re looking for a major provider that still offers specialized coverage for drivers with a DUI on their record, Nationwide is a solid option.

Pros Cons
Affiliated with NationwideClaims by phone only
More affordable compared to other non-standard companiesMinimum features with shopping for policy options
Coverage for travel to MexicoReviews slant towards with unfavorable

The provider previously offered high-risk coverage under the name Titan before absorbing the subsidiary and the services it offered.

Prior to being absorbed by Nationwide, Titan stood out from its competitors due to its lack of consumer complaints and its strong customer service rating.

Customers can expect that same quality of service with Nationwide while also being able to take advantage of bundling discount options available through the insurer.

AgeQuote (monthly)*
25 y/o driver$387
30 y/o driver$290
45 y/o driver$189

*with SR-22 filing

If you recently had a DUI added to your record, it’s only natural that you have some questions about how the conviction will affect your car insurance.

How will a DUI conviction affect my premium?

To put it simply, you’re going to pay more for coverage.

It isn’t uncommon to see rates double after a DUI conviction.

Companies will see you as a high-risk customer that could be costly to insure.

That means they’ll charge you more to protect their bottom-line.

In some cases, your existing auto insurance provider may opt not to renew your policy once it expires.

That’s why it is important to keep an open line of communication with your insurer if you get a DUI on your record.

How much can I expect to pay for car insurance after a DUI?

While rates fluctuate, you can expect to pay more than $1000 per year for minimum coverage.

Full coverage will set you back at least $2500 per year.

How long will a DUI impact my car insurance rates?

Unfortunately, a DUI will haunt your rates for at least 3 years.

In some states, you’ll pay increased premiums for as long as the DUI is on your record.

That could be as long as 10 years.

What is an SR-22? Do I need one?

An SR-22 is an official document that proves you’ve purchased the state’s minimum liability coverage.

It allows you to keep your driving privileges (or have them reinstated, if needed).

The companies mentioned above offer SR-22 filing.

Although there is usually a $25 cost to file an SR-22, many of the mentioned insurers will do so for free when you purchase coverage through them.

In some states, like Florida and Virginia, an FR-44 form must be filed.

This form requires drivers with a DUI conviction to purchase more than the state’s minimum coverage.

How can I save money on car insurance after a DUI?

The best thing you can do after a DUI is shop around immediately.

Because your existing provider can drop you as a customer once your existing policy expires, you’ll want to have another provider lined up to avoid any gaps in coverage.

By getting multiple quotes, you’ll make sure you get the cheapest rate for the best coverage.

Depending on your state, you’ll want to shop around again in 3 years.

After 3 years, insurers will start to drop your rates, allowing to you start saving money again.

In addition to shopping around now and in the future, I also recommend making sure your credit score is in good shape.

Even if you have a clean driving record, you’ll pay more with poor credit.

With poor credit and a DUI on your record, you’ll be stuck paying astronomical prices for car insurance.

I’m often asked if coverage is even needed after a DUI, and if one can save by skipping out on insurance coverage.

Despite the high costs of auto insurance after a DUI, you absolutely need to have it.

Driving without insurance with a DUI on your record could cost you far more than the cost of your premium with high-risk auto insurance.

How do I know which high-risk insurer is right for me?

Many high-risk providers are limited to select states.

That might limit your options.

When shopping for high-risk coverage, you should pay attention to two things:

– How many complaints the insurance provider has received.

– How strong the company is financially.

An insurance providers financial strength is especially important because it indicates if they will be able to pay out claims.

Sources

https://www.thegeneral.com/

https://www.safeauto.com/

https://www.fredloya.com/

https://www.dairylandinsurance.com/auto

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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