{"id":4017,"date":"2024-11-07T06:40:29","date_gmt":"2024-11-07T14:40:29","guid":{"rendered":"\/wp-site\/?p=4017"},"modified":"2024-11-07T15:28:00","modified_gmt":"2024-11-07T23:28:00","slug":"affordable-car-insurance-for-high-risk-drivers","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/affordable-car-insurance-for-high-risk-drivers\/","title":{"rendered":"Cheap Car Insurance Quotes for High-Risk Drivers"},"content":{"rendered":"\n<p><a href=\"\/car-insurance\/\">Car insurance<\/a> for high-risk drivers is expensive, costing an average of 90% more than a standard car insurance policy. Inexperienced drivers, drivers with poor credit, and drivers with serious violations like DUIs will pay the most for car insurance, and in some cases, high-risk drivers may find it difficult to find coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"high-risk-driver\">The cheapest car insurance companies for high-risk drivers<\/h2>\n\n\n\n<p>To find the cheapest auto insurance rates for high-risk drivers, the experts at <a href=\"\/signup\" data-type=\"post\" data-id=\"17946\">Jerry<\/a> analyzed thousands of real car insurance policies, focusing on the two areas that impact rates most\u2014violations and experience behind the wheel.<\/p>\n\n\n\n<p>They found the cheapest providers of high-risk car insurance tended to be smaller, non-standard insurance companies, though some big-name providers offer great high-risk options, too:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Provider<\/th><th class=\"has-text-align-left\" data-align=\"left\">Cost for standard drivers<\/th><th class=\"has-text-align-left\" data-align=\"left\">Cost with violations<\/th><th class=\"has-text-align-left\" data-align=\"left\">Cost for young drivers (&lt;25)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Founders<\/td><td class=\"has-text-align-left\" data-align=\"left\">$126<\/td><td class=\"has-text-align-left\" data-align=\"left\">$146<\/td><td class=\"has-text-align-left\" data-align=\"left\">$265<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Clearcover<\/td><td class=\"has-text-align-left\" data-align=\"left\">$112<\/td><td class=\"has-text-align-left\" data-align=\"left\">$153<\/td><td class=\"has-text-align-left\" data-align=\"left\">$191<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/safeco\/\">Safeco<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$146<\/td><td class=\"has-text-align-left\" data-align=\"left\">$173<\/td><td class=\"has-text-align-left\" data-align=\"left\">$286<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/national-general\/\">National General<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$152<\/td><td class=\"has-text-align-left\" data-align=\"left\">$178<\/td><td class=\"has-text-align-left\" data-align=\"left\">$381<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/progressive\/\">Progressive<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$144<\/td><td class=\"has-text-align-left\" data-align=\"left\">$185<\/td><td class=\"has-text-align-left\" data-align=\"left\">$291<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Gainsco<\/td><td class=\"has-text-align-left\" data-align=\"left\">$146<\/td><td class=\"has-text-align-left\" data-align=\"left\">$202<\/td><td class=\"has-text-align-left\" data-align=\"left\">$380<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/aaa\/\">AAA<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$192<\/td><td class=\"has-text-align-left\" data-align=\"left\">$215<\/td><td class=\"has-text-align-left\" data-align=\"left\">$354<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/allstate\/\">Allstate<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$175<\/td><td class=\"has-text-align-left\" data-align=\"left\">$270<\/td><td class=\"has-text-align-left\" data-align=\"left\">$354<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/bristol-west\/\">Bristol West<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$287<\/td><td class=\"has-text-align-left\" data-align=\"left\">$315<\/td><td class=\"has-text-align-left\" data-align=\"left\">$562<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The best car insurance for high-risk drivers meets state minimum insurance requirements and offers specialty coverage options, add-ons, and services like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/sr-22-insurance\/\">SR-22<\/a> and FR-44 insurance filings<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/accident-forgiveness\/\">Accident forgiveness<\/a> to prevent a small mistake from messing up a clean driving streak<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/what-is-telematics\/\">Telematics programs<\/a> to help you improve your driving history<\/li>\n\n\n\n<li>Vanishing deductibles to motivate you to drive safer<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--circle-exclamation text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p>Never attempt to hide a high-risk factor like a car accident or violation from your insurance company. The possible consequences include policy cancelation, claims denial, increased auto insurance rates, and criminal charges. Always provide accurate information when requesting auto insurance quotes or submitting a claim.<\/p>\n<\/div><\/div>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/best-car-insurance-companies\/\">The best car insurance companies<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pay-more-for-car-insurance\">High-risk drivers pay more for car insurance<\/h2>\n\n\n\n<p>Car insurance companies classify customers as high-risk drivers based on their chances of getting into a car accident, <a href=\"\/car-insurance\/car-insurance-claim\/\">filing an insurance claim<\/a>, or causing bodily injuries or property damages. Since auto insurance providers hate paying bills as much as the rest of us, high-risk drivers pay more for insurance coverage.<\/p>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/average-car-insurance\/\">Average car insurance costs<\/a><\/p>\n\n\n\n<p>Jerry\u2019s experts analyzed thousands of car insurance policies to determine which types of violations lead to the biggest increase in premium costs. They found that on average, drivers under the age of 18, drivers with serious violations, and drivers with poor credit pay the most for car insurance.<\/p>\n\n\n\n<p>In fact, teen drivers pay nearly 300% more than the average standard policy, which costs around $121 a month.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Category<\/th><th class=\"has-text-align-left\" data-align=\"left\">Average cost<\/th><th class=\"has-text-align-left\" data-align=\"left\">Percentage increase<\/th><th class=\"has-text-align-left\" data-align=\"left\">Why do they pay more?<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Drivers with a past <a href=\"\/car-insurance\/insurance-lapse\/\">car insurance lapse<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$154<\/td><td class=\"has-text-align-left\" data-align=\"left\">27%<\/td><td class=\"has-text-align-left\" data-align=\"left\">To auto insurance providers, a car insurance lapse indicates everything from missed bills to driving without car insurance.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Drivers with an <a href=\"\/car-insurance\/at-fault-accident\/\">at-fault accident<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$155<\/td><td class=\"has-text-align-left\" data-align=\"left\">28%<\/td><td class=\"has-text-align-left\" data-align=\"left\">If you\u2019ve been found at fault for an accident, insurance providers will consider you to be more likely to file claims in the future, and your rates will go up as a result.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/seniors-car-insurance\/\">Senior drivers<\/a> (65+)<\/td><td class=\"has-text-align-left\" data-align=\"left\">$160<\/td><td class=\"has-text-align-left\" data-align=\"left\">32%<\/td><td class=\"has-text-align-left\" data-align=\"left\">Although they practice safer driving habits overall, older drivers over 70 have sensory impairments and are more likely to suffer injuries or death in a car crash.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Drivers with a speeding ticket<\/td><td class=\"has-text-align-left\" data-align=\"left\">$252<\/td><td class=\"has-text-align-left\" data-align=\"left\">107%<\/td><td class=\"has-text-align-left\" data-align=\"left\">Speeding is a factor in 26% of all traffic fatalities.<sup data-fn=\"c71eb528-a4e1-4333-9eae-4e3a4b9793af\" class=\"fn\"><a id=\"c71eb528-a4e1-4333-9eae-4e3a4b9793af-link\" href=\"#c71eb528-a4e1-4333-9eae-4e3a4b9793af\">1<\/a><\/sup> Drivers who receive a speeding ticket are twice as likely as non-ticketed drivers to speed again.<sup data-fn=\"c449c42c-035d-47f2-b80a-fda9650fb6e9\" class=\"fn\"><a id=\"c449c42c-035d-47f2-b80a-fda9650fb6e9-link\" href=\"#c449c42c-035d-47f2-b80a-fda9650fb6e9\">2<\/a><\/sup><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Drivers convicted of an OWI, <a href=\"\/car-insurance\/what-is-a-dui\/\">DWI, or DUI<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$272<\/td><td class=\"has-text-align-left\" data-align=\"left\">72%<\/td><td class=\"has-text-align-left\" data-align=\"left\">Alcohol-impaired driving accounts for 29% of all motor vehicle-related crash deaths in the USA, making <a href=\"\/car-insurance\/what-is-a-dui\/\">Driving Under the Influence<\/a>, Driving While Intoxicated, or Operating While Intoxicated a serious crime.<sup data-fn=\"8be4b0b5-7494-4dc8-a24f-58b98b6dbe5f\" class=\"fn\"><a id=\"8be4b0b5-7494-4dc8-a24f-58b98b6dbe5f-link\" href=\"#8be4b0b5-7494-4dc8-a24f-58b98b6dbe5f\">3<\/a><\/sup><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Drivers with bad credit scores (600 or less)<\/td><td class=\"has-text-align-left\" data-align=\"left\">$222<\/td><td class=\"has-text-align-left\" data-align=\"left\">83%<\/td><td class=\"has-text-align-left\" data-align=\"left\">Providers use credit scores to set car insurance rates in all but 10 states, resulting in a 44-115% price penalty for policyholders with poor credit ratings.<sup data-fn=\"5a7c5da5-d63f-4ba2-bda7-6b54bb563591\" class=\"fn\"><a id=\"5a7c5da5-d63f-4ba2-bda7-6b54bb563591-link\" href=\"#5a7c5da5-d63f-4ba2-bda7-6b54bb563591\">4<\/a><\/sup><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/car-insurance-for-teens\/\">Teen drivers<\/a> under the age of 18<\/td><td class=\"has-text-align-left\" data-align=\"left\">$478<\/td><td class=\"has-text-align-left\" data-align=\"left\">295%<\/td><td class=\"has-text-align-left\" data-align=\"left\">Inexperienced young drivers under the age of 18 are more likely to engage in risky driving behaviors, resulting in a fatal crash rate three times higher than the general population.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"look-for-discounts\">Shop smart and look for discounts<\/h2>\n\n\n\n<p>To combat the high costs of high-risk car insurance, try <a href=\"\/car-insurance\/car-insurance-quotes\/\">comparing multiple insurance quotes<\/a> before you buy a policy.<\/p>\n\n\n\n<p>Once you\u2019ve got the perfect provider in mind, you can cut costs even further by hunting for <a href=\"\/car-insurance\/car-insurance-discounts\/\">car insurance discounts<\/a> and money-saving opportunities, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Building up your credit history<\/li>\n\n\n\n<li>Bundling your <a href=\"\/car-insurance\/car-and-home-insurance\/\">auto and homeowner\u2019s insurance<\/a><\/li>\n\n\n\n<li>Enrolling in a driver education program<\/li>\n\n\n\n<li>Signing up for <a href=\"\/car-insurance\/what-is-telematics\/\">telematics insurance<\/a><\/li>\n\n\n\n<li>Switching to a non-owner car insurance policy<\/li>\n\n\n\n<li>Taking a defensive driving course<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\"><strong>SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/strong><\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"What-to-do-if-you-can\u2019t-get-approved\">What to do if you can\u2019t get approved for coverage<\/h2>\n\n\n\n<p>Insurers have the right to deny coverage if they feel a driver exceeds their tolerance for risk.<\/p>\n\n\n\n<div class=\"wp-block-jerry-card\"><div class=\"shadow-variant-card relative overflow-hidden rounded-xl p-8\"><div class=\"flex flex-col gap-3\"><span class=\"text-lg font-medium text-slate-900\">When can insurance companies deny coverage?<\/span><div class=\"jerry-block-content text-sm text-slate-700\">\n<p>Insurance companies have the legal right to deny or cancel coverage to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applicants under the age of 25<\/li>\n\n\n\n<li>Applicants with a low credit score (except in California, Michigan, and Hawaii)<\/li>\n\n\n\n<li>Applicants with a car insurance history lapse, or no history at all<\/li>\n\n\n\n<li>Applicants with no permanent or fixed address<\/li>\n\n\n\n<li>Drivers living in a ZIP code with high crime rates<\/li>\n\n\n\n<li>Drivers with a verified health condition that poses driving risks<\/li>\n\n\n\n<li>Motorists with a suspended or invalid driver\u2019s license<\/li>\n\n\n\n<li>Owners of high-performance or collector vehicles<\/li>\n\n\n\n<li>Serious or repeat traffic violation offenders<\/li>\n<\/ul>\n\n\n\n<p>However, federal laws prohibit insurance companies from denying coverage based on an applicant\u2019s age, gender, sexual orientation, race, national origin, religion, or marital status. If you feel a provider has unfairly denied you coverage, file a complaint with your<a href=\"https:\/\/content.naic.org\/state-insurance-departments\" target=\"_blank\" rel=\"noreferrer noopener\"> state\u2019s department of insurance<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<p>But that doesn\u2019t mean you\u2019re out of options. Many states offer state-sponsored car insurance (also known as \u201cassigned risk pool insurance\u201d) to high-risk drivers who can\u2019t find coverage elsewhere. Assigned-risk coverage is no cheaper than high-risk car insurance\u2014in some cases, it might even be more expensive.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.aipso.com\/\" target=\"_blank\" rel=\"noopener\">Automobile Insurance Plan Service Office (AIPSO)<\/a> manages <a href=\"https:\/\/www.aipso.com\/Plan-Sites\" target=\"_blank\" rel=\"noopener\">last-resort insurance plans for 39 states.<\/a> Or you can check out one of the organizations below:<\/p>\n\n\n\n<div class=\"wp-block-jerry-card\"><div class=\"shadow-variant-card relative overflow-hidden rounded-xl p-8\"><div class=\"flex flex-col gap-3\"><span class=\"text-lg font-medium text-slate-900\">State-assigned risk pool insurance plans in other states<\/span><div class=\"jerry-block-content text-sm text-slate-700\">\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/fajua.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Florida Automobile Joint Underwriting Association (FAJUA)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cca.hawaii.gov\/ins\/other_ins\/hjup\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hawaii Joint Underwriting Plan (HJUP)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/kyinsplans.org\/auto\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kentucky Automobile Insurance Plan (KAIP)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mymarylandauto.com\/site\/\" target=\"_blank\" rel=\"noreferrer noopener\">Maryland Automobile Insurance Fund (MAIF)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mass.gov\/info-details\/massachusetts-auto-insurance-plan-maip\" target=\"_blank\" rel=\"noreferrer noopener\">Massachusetts Automobile Insurance Plan (MAIP)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ncrb.org\/ncrf\/\" target=\"_blank\" rel=\"noreferrer noopener\">North Carolina Reinsurance Facility (NCRF)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.insurance.nd.gov\/north-dakota-automobile-insurance-plan\" target=\"_blank\" rel=\"noreferrer noopener\">North Dakota Automobile Insurance Plan (NDAIP)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.assignedriskohio.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ohio Automobile Insurance Plan (OAIP)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/taipa.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Texas Automobile Insurance Plan Association (TAIPA)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/waip.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Wisconsin Automobile Insurance Plan (WAIP)<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        What\u2019s the average cost of high-risk car insurance?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>On average, high-risk auto insurance policies cost around 90% more than a standard policy.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        How long are you considered a high-risk driver?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Insurance companies consider you a high-risk driver as long as one or more risk factors remain on your driver profile. Young drivers will see their rates drop as soon as they gain at least three years of driving experience and turn 25. Motorists with a car insurance lapse could see their rates improve in as little as a year.<br><br>Most minor driving violations remain on your driving record for three to five years, but a serious charge like a DUI could stick for up to a decade. Finally, some motorists will pay above-average rates as long as they have an expensive car or poor credit scores.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Who\u2019s considered a high-risk driver?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Car insurance companies consider a policyholder with a higher risk of getting into a car accident, filing an insurance claim, or causing bodily injuries or property damages to others to be a high-risk driver.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        What\u2019s the best car insurance for high-risk drivers?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Finding the cheapest insurance for high-risk drivers depends on comparing car insurance quotes while finding the best provider depends on comparing customer reviews.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sources\">Sources<\/h2>\n\n\n<ol class=\"wp-block-footnotes\"><li id=\"c71eb528-a4e1-4333-9eae-4e3a4b9793af\"><a href=\"https:\/\/crashstats.nhtsa.dot.gov\/Api\/Public\/ViewPublication\/812932\" target=\"_blank\" rel=\"noopener\">https:\/\/crashstats.nhtsa.dot.gov\/Api\/Public\/ViewPublication\/812932<\/a> <a href=\"#c71eb528-a4e1-4333-9eae-4e3a4b9793af-link\" aria-label=\"Jump to footnote reference 1\">\u21a9\ufe0e<\/a><\/li><li id=\"c449c42c-035d-47f2-b80a-fda9650fb6e9\"><a href=\"https:\/\/pubmed.ncbi.nlm.nih.gov\/17366333\/\" target=\"_blank\" rel=\"noopener\">https:\/\/pubmed.ncbi.nlm.nih.gov\/17366333\/<\/a> <a href=\"#c449c42c-035d-47f2-b80a-fda9650fb6e9-link\" aria-label=\"Jump to footnote reference 2\">\u21a9\ufe0e<\/a><\/li><li id=\"8be4b0b5-7494-4dc8-a24f-58b98b6dbe5f\"><a href=\"https:\/\/injuryprevention.bmj.com\/content\/28\/3\/211.long\" target=\"_blank\" rel=\"noopener\">https:\/\/injuryprevention.bmj.com\/content\/28\/3\/211.long<\/a> <a href=\"#8be4b0b5-7494-4dc8-a24f-58b98b6dbe5f-link\" aria-label=\"Jump to footnote reference 3\">\u21a9\ufe0e<\/a><\/li><li id=\"5a7c5da5-d63f-4ba2-bda7-6b54bb563591\"><a href=\"https:\/\/consumerfed.org\/wp-content\/uploads\/2023\/07\/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/consumerfed.org\/wp-content\/uploads\/2023\/07\/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf<\/a> <a href=\"#5a7c5da5-d63f-4ba2-bda7-6b54bb563591-link\" aria-label=\"Jump to footnote reference 4\">\u21a9\ufe0e<\/a><\/li><\/ol>\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Jasmine-Kanter.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Jasmine-Kanter.png 250w, \/wp-content\/uploads\/2024\/09\/Jasmine-Kanter-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Jasmine-Kanter-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Jasmine-Kanter-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Jasmine Kanter            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Jasmine Kanter is a non-fiction writer specializing in comprehensive content that\u2019s accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance. Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1.png 250w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Amy Bobinger            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars. Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry\u2019s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance for high-risk drivers can average 90% more than regular coverage, but low-cost providers like ClearCover, Founders, and Safeco can help.<\/p>\n","protected":false},"author":19,"featured_media":62824,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"146\",\"type\":\"main-author\"},{\"id\":\"4\",\"type\":\"editor\"}]","jerry_author_ids":[146],"jerry_idx_page_label":"","jerry_meta_desc":"Car insurance for high-risk drivers can average 90% more than regular coverage, but low-cost providers like ClearCover, Founders, and Safeco can help.","jerry_related_posts":"[4676,3024,2465]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":"[{\"content\":\"<a href=\\\"https:\/\/crashstats.nhtsa.dot.gov\/Api\/Public\/ViewPublication\/812932\\\">https:\/\/crashstats.nhtsa.dot.gov\/Api\/Public\/ViewPublication\/812932<\/a>\",\"id\":\"c71eb528-a4e1-4333-9eae-4e3a4b9793af\"},{\"content\":\"<a href=\\\"https:\/\/pubmed.ncbi.nlm.nih.gov\/17366333\/\\\">https:\/\/pubmed.ncbi.nlm.nih.gov\/17366333\/<\/a>\",\"id\":\"c449c42c-035d-47f2-b80a-fda9650fb6e9\"},{\"content\":\"<a href=\\\"https:\/\/injuryprevention.bmj.com\/content\/28\/3\/211.long\\\">https:\/\/injuryprevention.bmj.com\/content\/28\/3\/211.long<\/a>\",\"id\":\"8be4b0b5-7494-4dc8-a24f-58b98b6dbe5f\"},{\"content\":\"<a href=\\\"https:\/\/consumerfed.org\/wp-content\/uploads\/2023\/07\/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf\\\">https:\/\/consumerfed.org\/wp-content\/uploads\/2023\/07\/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf<\/a>\",\"id\":\"5a7c5da5-d63f-4ba2-bda7-6b54bb563591\"}]"},"categories":[],"tags":[31,666,619],"class_list":["post-4017","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-car-insurance-cost","tag-resource_car_insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4017","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=4017"}],"version-history":[{"count":16,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4017\/revisions"}],"predecessor-version":[{"id":62823,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4017\/revisions\/62823"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/62824"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=4017"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=4017"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=4017"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}