![]() However, that number varies widely among the car insurance companies we evaluated, easily by $1,000 or more, as well as by the actual factors that flag a high-risk driver. The average annual high-risk car insurance rate is $3,217, according to our analysis. How much does high-risk car insurance cost? Grades range from A+ to F, and insurers with better grades score higher for this metric. Every year the CRASH Network surveys collision repair professionals across the nation, evaluating insurers on the quality of their repairs and customer service interactions for motorists. When a consumer lodges a complaint to their state’s department of insurance - often about an insurance company’s claims process, delays, denials or settlements - these complaints are logged and tracked by the NAIC.Ĭollision repair: 10 points. We collected complaint data from the National Association of Insurance Commissioners (NAIC), which shows the volume of car insurance consumer complaints against each company. ![]() Also, all of the car insurance companies we evaluated offer to file SR-22 certificates of financial responsibility for drivers in need.Ĭomplaints: 10 points. Auto insurance companies that offer this option received full points. One such coverage is non-owners for when the driver needs car insurance but doesn’t own a car. Car insurance for high-risk drivers needs to include coverages that are important to this segment of drivers. To calculate average rates for high-risk driver car insurance we averaged costs from each company for drivers who have caused an accident with injury, drivers who have caused an accident with property damage, drivers with a DUI and drivers with poor credit.Ĭar insurance coverage non-owners option: 20 points. We analyzed rates from Quadrant Information Services based on a 45-year-old female driver insuring a Toyota RAV4 with a policy of 100/300/100 coverage ($100,000 bodily injury liability per person, $300,000 bodily injury liability coverage per accident, $100,000 for property damage liability), plus collision and comprehensive coverage with a $500 deductible. Each car insurance company was eligible for up to 100 points, based on its performance in the following key categories:Ĭost: 60 points. Our insurance experts evaluated the top car insurance companies in the nation to determine which offer the best high-risk auto insurance. After USAA, Geico offers the next most affordable average annual car insurance rate for high-risk drivers. However, not everyone qualifies for car insurance through USAA, so your next best option for high-risk car insurance may be Westfield, which gets 4.5 stars in our analysis. The best high-risk auto insurance company is USAA, according to our analysis. ![]() What is the best high-risk car insurance?
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