While car insurance for high risk drivers typically costs much more than auto insurance for good drivers, some companies are better options than others. It’s important to find a car insurance company you can trust if you need to file a claim, and one that has a reputation for fair prices. Read on to see what the top 10 auto insurance companies for high risk drivers are according to consumers.
Top 10 insurance companies for high risk drivers
The following companies are the highest rated companies by the Clearsurance community that specialize in non-standard coverage for high risk drivers and have at least 50 car insurance reviews. Note: Other companies may sell to non-standard drivers, but these companies specialize in high risk auto insurance.
Reviews on Clearsurance are written by people who’ve had a policy with the company. They rate their insurance company based on a number of factors including their overall rating of the company, its customer service, as well as their likelihood to renew and recommend the company to a friend.
|Rank||Insurance Company||Company rating||# of reviews|
|3||Direct Auto & Life Insurance Company (Direct General)||3.93||228|
|4||West Bend Mutual Insurance Company||3.70||84|
|6||The General Auto Insurance||3.56||704|
|7||Safe Auto Insurance Company||3.51||355|
|8||National General Insurance Company (Integon)||3.38||305|
|9||American Access Casualty Company||3.37||54|
|10||Alliance United Insurance Company||3.30||127|
When comparing the reviews written of these top 10 companies by consumers, the majority of companies had high percentages of reviews discussing the speed of their insurance processes with the company, nearing 10 percent for most of these companies. American Access is an exception, with only about one percent of reviews discussing speed.
The General, ranked eighth on the list of best non-standard car insurance companies, received a high percentage of reviews discussing ease at nearly 19 percent. Additionally, nearly 13 percent of reviews discussed saving money or cheap car insurance rates.
Non-standard car insurance
In the car insurance world, there are three tiers of coverage that companies may group drivers in: non-standard, standard and preferred. Drivers who are the highest risk fall into the non-standard category while drivers with the lowest risk fall under the category of preferred.
Non-standard car insurance is coverage for high risk drivers and is the highest-priced tier. The insurance coverage received from non-standard insurance is likely the same type of coverage a standard or preferred driver may receive, but at a higher rate. Insurance companies determine a driver’s risk of filing a claim in order to determine their risk and cost to insure. Drivers who need non-standard coverage are more likely to cost the insurance company more money than a standard or preferred driver, therefore are a higher risk. If your risk is extremely high, insurance companies can also refuse to offer you coverage or drop your policy.
What makes you a high risk driver?
Many drivers find themselves in the high risk category and need non-standard coverage. If you’re one of them, you’re considered more expensive to insure by your insurance company and the reason can range from having a low credit score to a few speeding tickets or an at-fault car accident on your record. If you have a less-than-perfect driving history, you may be considered a non-standard driver.
The following reasons may put you in the high risk and non-standard category:
- One or more at-fault accidents on your record
- Speeding tickets
- Other traffic violations
- Young or new driver with little to no driving experience
- Low credit score
- Convicted of a DUI, DWI or similar offense
- Required to file an SR-22 with your state
- Have a high-valued car
- Have lapsed car insurance coverage
- Elderly driver
The type of car you own can also make you a high risk to insure. If you have an exotic or very expensive car, you may need non-standard coverage. Additionally, if you buy a rebuilt car with a salvage title, you may need non-standard coverage since the car was in an accident previously and deemed a total loss.
You may also be labeled as high-risk simply because of your age and how it relates to risky driving behaviors and the age tax.
Car insurance companies may either charge you a high price for insurance or deny you collision and comprehensive coverage because it’s hard to determine the safety of the vehicle. Also, since the car was previously in an accident, if the car is in another accident, it’s difficult to determine if the damage to the car was caused by that incident or existed before it.
You can work to clean up your driving record to clear your high risk label and qualify for standard insurance, which is much more affordable. Work on improving your driving habits and remain violation free in order to improve your status. You can also take driver training courses to brush up and improve your knowledge.
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