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Based on real insurance data from high-risk drivers in your area.
Based on similar high-risk drivers in your state with your selected profile.
Important Note: This is an estimate only and not a final insurance quote. Actual rates may vary based on additional factors including credit history, exact location, insurance history, and specific vehicle details.
High-risk car insurance is designed for drivers who insurance companies consider more likely to file claims. This includes drivers with traffic violations, at-fault accidents, DUI convictions, or those who require SR-22 filings. These drivers typically pay higher premiums due to their increased risk profile.
An SR-22 filing can increase insurance costs by 50-150% on average. The exact increase depends on your state, driving history, and insurance company. An SR-22 is not insurance itself but a certificate proving you carry the state-required minimum insurance. Insurance companies view drivers requiring SR-22 as high-risk, leading to significantly higher premiums.
You can potentially lower your rates by: (1) Maintaining a clean driving record going forward, (2) Taking defensive driving courses, (3) Increasing your deductible, (4) Bundling multiple insurance policies, (5) Shopping around with multiple providers annually, (6) Considering usage-based insurance programs, and (7) Improving your credit score (in states where it's allowed).
The primary factors are: Driving record (recent violations and accidents), age (especially under 25), location (urban vs. rural), type of vehicle, coverage limits required, length of continuous insurance coverage, credit history (in most states), and specific violations (DUI increases rates more than speeding tickets).
This website does not provide actual insurance quotes or sell insurance. We are not affiliated with any insurance company and do not provide insurance services. The estimates on this page are for informational purposes only.
No personal data is collected or stored when you use this calculator. We do not save, share, or sell any information you enter. All calculations happen locally in your browser.
Estimates are not guaranteed or binding. Actual insurance rates may vary significantly based on factors not considered in this calculator. To obtain actual insurance quotes, contact licensed insurance providers directly.
This tool provides general estimates for educational purposes and should not be considered financial or insurance advice. Always consult with licensed insurance professionals for your specific situation.