High-Risk Auto Insurance
Get covered. Get back on track.
Past driving issues don’t mean you’re out of options. We help you find coverage that fits your situation and gets you back on the road.
- Coverage for high-risk drivers
- Options after accidents, tickets, or lapses
- Fast quotes and flexible solutions
Independent & licensed
We compare multiple trusted insurance companies
Free, no-obligation quotes · Se habla español
We compare the auto & home companies you know and trust
What it is
Coverage when others say no
“High-risk” simply means a carrier sees you as more likely to file a claim — usually because of accidents, tickets, a DUI, or a lapse in coverage.
What it covers
What High-Risk Drivers includes
Every policy is shopped across multiple trusted insurance companies — so you compare real options side by side.
- Coverage after accidents
- Post-ticket & DUI options
- SR-22 filing
- Coverage after a lapse
- Rate re-shopping
Is it right for you
Who is high-risk coverage for?
A rough patch on your record doesn’t mean you’re out of options.
- Drivers with a recent at-fault accident or DUI
- Drivers with multiple tickets or violations
- Anyone re-insuring after a coverage lapse
- Drivers turned down or overcharged by standard carriers
Why American Insurance
An independent agency working for you
We work for you — not the insurance companies — to find the right coverage at the right price.
- We shop multiple trusted insurance companies — you get the best rate, not one company’s pitch.
- Real licensed advisors — no call centers, no pressure.
- Free, no-obligation quotes. Se habla espanol.
Questions
Frequently asked questions
What makes a driver “high-risk” to insurers?
Carriers may flag you as high-risk after at-fault accidents, a DUI, multiple tickets, a lapse in coverage, or sometimes simply being a brand-new driver. It usually means standard companies either decline you or quote a steep rate. As an independent agency, we work with carriers that actually specialize in these situations rather than penalizing you for them.
Can I even get coverage if other companies turned me down?
Almost always, yes. A decline from one insurer doesn't mean you're uninsurable — it means that carrier's appetite didn't fit your record. We place high-risk drivers with companies built for exactly this, and we keep shopping as your record improves so you're never stuck overpaying.
How much more will high-risk insurance cost me?
It depends entirely on what's on your record and how recent it is — a single old ticket is very different from a recent DUI. Because high-risk pricing varies dramatically between carriers, the single best way to control the cost is to let us compare specialists side by side. We'll show you real options, not one inflated quote.
How long do violations stay on my record?
Most tickets and at-fault accidents affect your rate for three to five years, and serious offenses like a DUI can last longer, depending on your state. The impact fades over time, which is why we re-shop your policy each renewal — you shouldn't keep paying yesterday's rate once you've earned a better one.
What can I do to lower my rate over time?
Keep continuous coverage with no lapses, avoid new violations, and complete any state-required or defensive-driving courses that earn a discount. As clean months add up, more carriers will compete for your business — and we'll move you to the best one. Bundling and paid-in-full discounts help in the meantime.
More auto insurance
Explore other auto insurance options
Ready for coverage that fits your life?
Get a free, no-obligation quote in minutes — or talk to a licensed advisor today.
Schedule A Call With A Licensed Advisor
Pick a time that works for you — free, no obligation.
Advisors Available Now
You’ll speak with Raiza, Daniela, Janalyn or Karla — licensed advisors, not a call center.
- Takes about 60 seconds
- No obligation
- Licensed advisor
- We compare multiple companies
Prefer to talk now? Call (801) 531-2060.