Tameka Millander

High-risk coverage is for drivers insurers see as more likely to file claims, often because of tickets, accidents, DUI, lapses, or credit.
Full coverage can cost $258–$412 per mo, avg. nationally; drivers with risk factors may pay ↑~25%–~100% versus clean records and good credit.
Short-term savings can come from comparing quotes, approved safety courses, bundling policies, multi-car discounts, paying in full, or choosing higher deductibles carefully.
Before reducing coverage, talk with a licensed agent, because lower limits can leave drivers paying accident costs themselves after a claim later.
With 3 to 5 yr of safer driving, rates should go down; if regular insurers say no, state-run plans exist nationwide as backstops.

US High-Risk Auto Insurance Costs Explained

US auto insurance shopping remains elevated: ~53% of customers are comparing options, even as recent price-pressure urgency has begun cooling off nationwide.
Shoppers now gather an avg. 3.5 quotes, with mobile apps and AI tools making comparisons, coverage questions, and policy choices easier online.
Digital purchasing is mainstream: ~48% of new auto policies are bought online, making digital channels a primary front door for insurers nationwide.
New policy models are moving mainstream: usage-based coverage reaches ~20% of customers, with strongest uptake among recent shoppers, switchers, and new buyers.
Competitive auto pricing stays pivotal: many shoppers have homeowners coverage, but few request home quotes unless the auto offer earns attention first.