High-Risk Car Insurance: Options After Tickets, DUI, or Accidents
Get coverage—even with violations, accidents, or DUI
What Is High-Risk Car Insurance?
High-risk insurance is for drivers with a history of violations, license suspensions, DUI/DWI, or accidents. Insurers consider these drivers more likely to file claims, which can increase premiums.
Why You Might Be Considered High-Risk
DUI or DWI
Driving under the influence almost always qualifies you as high-risk.
Multiple Accidents
At-fault collisions in recent years raise your risk profile.
Lapsed Coverage
If you’ve been uninsured, insurers may treat you as a higher risk.
You Still Have Options
Even if you’re considered high-risk, many companies specialize in helping drivers like you. Get multiple quotes, compare, and save.
Frequently Asked Questions
Can I insure a car without a license?
Yes. Some insurers allow it, especially if you list a primary licensed driver.
Will my rates be higher?
Possibly, depending on who is listed as the driver and the policy type.
Can I get SR‑22 without a license?
It’s possible in some states. Check with a provider.
Do I need to be listed as excluded?
Yes — if you’re unlicensed, some insurers may require you to be excluded from driving.