Car insurance for high risk drivers

The best car insurance companies for high-risk drivers USAA, State Farm and American Family Insurance are three of the best major car insurance companies for those with accidents or other infractions on their driving records.

A high-risk driver is someone whom the insurance company determines is more likely to file a claim — in other words, to cost the insurer money down the road. To cover that risk, the insurer charges a higher premium. In addition, the insurer may offer fewer perks, or less coverage.

While exact rates vary based on your state's insurance requirements and other factors, they can be anywhere from 10%–50% more when you're considered a high-risk driver. This can make hundreds of dollars difference in the price of your car insurance premiums. How Does Being a High-Risk Driver Affect Your Coverage?