Cheap High Risk Car Insurance in San Diego


We help you find the cheapest and best high-risk car insurance in San Diego so you don’t need to.





High Risk Car Insurance in San Diego and What You Need to Know



Whatever you choose, small or big insurer, were here to give you the best opportunity to discover the top of the line rates for high-risk car insurance in San Diego and the surrounding area.

Lowest Price Increase for High Risk Car Insurance in San Diego Compared to Normal Rates

35 %

Lowest Price Increase for High Risk Car Insurance in San Diego After 1 DUI

94 %

Highest Price Increase for High Risk Car Insurance in San Diego After 1 DUI

141 %

Average Price of Car Insurance in San Diego by Driving History



  • 4,932.84

    DUI

    Average Cost of Car Insurance for those with a DUI.

  • 4,932.84

    Reckless Driving

    Average Cost of Car Insurance for those with a reckless driving infraction.

  • 1,756.39

    At-fault Accident (damages less than ,000)

    Average Cost of Car Insurance for those with a an at-fault accident on record.

  • 1,620.97

    Clean Record

    Average Cost of Car Insurance for those with a clean record.


Why You Need High Risk Car Insurance in San Diego

Reasons as to why you would need one of these types of high-risk insurances, simply land on the reasoning that some drivers are just inclined to have more accidents than other, there could be various reasons for this, but it’s good to know that even this category is covered. Your driving record will ascertain if you require high-risk auto insurance. If you have been convicted of driving under the influence (DUI) of alcohol or drugs or have several offenses such as speeding tickets, then you could be thought of as a high-risk driver, which will typically require you to purchase high-risk car insurance in San Diego. The most recent driving history has become a crucial element in deciding whether you need high-risk car insurance or some other kind. Locating insurance for the right high-risk car insurance in San Diego can seem like an unnerving task, but there is hope. Other interim solutions include attending an approved defensive driving class, which could help to bring down your costs, particularly if you're a new driver. Telematic programs may also help lower prices by proving you with a variety of engaging and safe driving practices.
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Accidents or tickets which may have happened within the previous 12 months will weigh more in the cost of your insurance than something that happened five decades back


What is an SR22 and How to Get a High Risk Car Insurance Policy for One in San Diego


It seems like there’s a good deal of confusion regarding SR-22 requirements and how it plays with your current car insurance premiums. Drivers who require an SR-22 in San Diego and are eager to get back in their cars should gain some knowledge on what an SR-22 certification is and the way it impacts their decisions to drive and ultimately choose the right high-risk car insurance policy. To clarify this, an SR-22 certificate is a form that's filed by the relevant authorities and is not insurance. An SR-22 certification verifies that the person named on the form is taking on the responsibility of the state-mandated responsibility of their car insurance. The insurance carrier that files the SR-22 is guaranteeing that you are going to have a high-risk car insurance coverage and are fiscally responsible for any mishaps that may happen. The only way of acquiring an SR-22 is through the car insurance company that you plan on using to get your high-risk car insurance plan. Auto insurance providers will typically bill a one-time filing fee for the SR22. If your insurance provider does not recognize the SR-22, or you are uninsured, you are going to need to search for a different provider for your high-risk car insurance in San Diego. Should you want an SR-22 filed, then you're likely to pay more for auto insurance than you normally would. We can help you compare high-risk auto insurance quotes to help you find the best possible high-risk rates in San Diego.

Lowest Price Increase for High Risk Car Insurance in San Diego with a SR-22

47 %

Highest Price Increase for High Risk Car Insurance in San Diego with a SR-22

178 %


How Accidents Affect Your Minimum Coverage Rates in San Diego

Recent activities such as accidents or tickets over the past 12 months weigh-in more towards the cost of your insurance than something that happened five decades back. High-risk motorists or a threat will need high-risk insurance. These drivers are not always considered poor drivers, but they are more costly to cover due to records of payment lapses or insurance gaps.

Age BracketAverage Full Coverage Rate for High Risk Drivers in San Diego
High Risk Drivers in Their Teens10,572.93
High Risk Drivers in Their 20s4,212.43
High Risk Drivers in Their 30s2,859.63
High Risk Drivers in Their 40s2,760.85
High Risk Drivers in Their 60s2,496.32



How to Get the Best High Risk Car Insurance in San Diego

Comparison shopping is your best friend when it comes to buying high-risk car insurance in San Diego. Policies differ widely depending on each insurance supplier. While one automobile insurance carrier may scrutinize the previous five decades of your driving history, a different insurance provider may only look the previous ten years. Each provider has its ways of assessing the situation, including the risk levels of any unique offenses. And that which may be thought of as a high-risk category for a single company may not be considered the same by another. Some car insurance suppliers even concentrate in providing high-risk car insurance in San Diego. These suppliers are experts at understanding your struggles and demands better than any normal insurer. Our agents have expertise in various types of insurance and can assist in helping high-risk drivers navigate through the different coverage options so they can get the best high-risk car insurance for their needs. If you are dreading the notion of spending hours obtaining different quotes from various providers, fear not! We are here to help you out

Comparison shopping will be your companion when it comes to buying high-risk car insurance in San Diego. Policies differ widely from each insurance supplier to the next, so the prices of high-risk auto insurance premiums will vary as well