The cost of car insurance varies depending on your age, marital status, mileage, driving history, and more.
Most insurance companies offer a cheaper price to drivers with good records. But if you have been cited or have tickets on your record, then your insurance premiums will likely go up.
However, comparison shopping can help you save money on your car insurance premiums. Our research for drivers with a clean record can help you save on car insurance. But if you have a bad driving record, then you'll have to pay more for car insurance.
Worry not! We are here to help. Our team of experts has analyzed hundreds of companies to find the cheapest rates available for drivers with less than perfect records.
Cheapest for high-risk drivers in California with an at-fault accident
Mercury offers the cheapest car insurance rates for drivers with an accident record. With an average annual rate of $2,924 per year after the accident, Mercury rates are 27.77% cheaper than the California state average (rates after the accident) and $163 Less than the national average of $3,087 (rates after the accident).
However, you can save on your insurance by comparing price quotes from multiple insurers.
| Company | Avg Annual Premium |
|---|---|
| Mercury | $2,924 |
| Progressive | $3,066 |
| Geico | $3,257 |
| Auto-Owners | $3,280 |
| Auto Club of Southern California | $3,450 |
| Auto Club Enterprises Ins Grp | $3,511 |
| Travelers | $3,911 |
Cheapest for high-risk drivers in California with a DUI
Mercury offers the cheapest car insurance for high-risk drivers with a DUI in California. It costs $2,940 a year on average for a full coverage policy after a DUI. If you get pulled over for driving under the influence, your car insurance rates will likely skyrocket. Having a DUI on your driving record can make it difficult to get car insurance because auto insurers often designate drivers who have been convicted of DUI as high-risk. The cost of auto insurance can vary widely after a DUI, depending on your state and the insurer. Based on our rate data analysis, we have put together a list of the companies that offer cheap car insurance for drivers with a DUI in California.
| Company | Avg Annual Premium |
|---|---|
| Mercury | $2,940 |
| Progressive | $3,948 |
| Auto-Owners | $4,536 |
| Geico | $4,851 |
| Farmers | $5,397 |
| Kemper Corp Grp | $6,538 |
| Travelers | $7,008 |
Cheapest for high-risk drivers in California with speeding tickets
The cheapest insurance carrier for drivers with speeding tickets on their record is Mercury. It offers full coverage insurance to California drivers for $2,543 per year or $212 monthly. If you get a speeding ticket, your car insurance company will likely raise your rates when it comes time to renew your policy. But comparison shopping can help you trim your insurance cost overall.
| Company | Avg Annual Premium |
|---|---|
| Mercury | $2,543 |
| Progressive | $2,919 |
| Geico | $2,932 |
| Auto-Owners | $3,056 |
| Auto Club of Southern California | $3,461 |
| Auto Club Enterprises Ins Grp | $3,515 |
| Travelers | $3,731 |
Cheapest for high-risk drivers in California with SR22
The cheapest auto insurance in California with an SR-22 is Mercury with an average annual cost of $2,369 or $197 per month.
If you have a DUI or DWI conviction on your driving record, you might need your insurance company to file an SR-22 form with the state DMV in your name. SR-22 is a guarantee from a car insurance company to the state that you have the legally mandated coverage.
| Company | Avg Annual Premium |
|---|---|
| Mercury | $2,369 |
| Progressive | $2,546 |
| Geico | $2,855 |
| Auto-Owners | $3,116 |
| Travelers | $3,588 |
| Kemper Corp Grp | $3,791 |
| Farmers | $3,815 |