High-Risk Auto Insurance in California
For Drivers Other Companies Turn Away

Where can I get high-risk auto insurance in California if other companies keep turning me down?

Right here. MIS has a market for every kind of driver, including the ones other companies decline. Send the quote form or call (800) 726-0640 and we will get you a quote.

What makes a driver “high-risk”?

A DUI, at-fault accidents, several tickets, a suspended license, a lapse in coverage, or being a teen or newly licensed driver.

How much does high-risk car insurance cost in California?

There is no single price, because every record is different. We shop dozens of insurance companies for your situation and come back with an exact number.

Can I get car insurance in California after a DUI?

Yes. We have a market for drivers with a DUI and we can get you a quote. After a DUI you will most likely need an SR-22 too, and we file it for you. See SR-22 insurance.

Which insurance companies insure drivers with a DUI?

Not all of them do, and the ones that do price a DUI very differently. MIS works with dozens of insurance companies, including ones that specialize in drivers with a DUI, so we can match you with the right one.

Can I get insurance with more than one DUI, or a DUI plus other violations?

Yes. We have a market for you, even with more than one DUI or a DUI along with tickets or accidents. Tell us everything on your record so we go to the right companies first.

Do I need an SR-22 after a DUI, a suspension or driving without insurance?

Often, yes. The court or the DMV will tell you if you do. When you need one, we add it to your policy and file it with the DMV electronically. California SR-22 coverage starts as low as $10 a month. Prices vary. Learn about California SR-22 insurance.

How can I get car insurance with multiple accidents on my record?

Yes, we can insure you. We have a market for drivers with several at-fault accidents. Give us the dates of the accidents and we will get you a quote.

Can I get auto insurance with too many tickets or DMV points?

Yes. Too many tickets or points is one of the most common reasons drivers come to us. We have a market for you and we can get you a quote.

Can I get insured with a suspended license?

Yes. Many drivers need insurance and an SR-22 before the DMV will reinstate their license, and we can set up both. See how SR-22 insurance works.

Can I get insurance to reinstate a suspended or revoked license?

Yes. We have a market for drivers whose license is suspended, revoked or waiting to be reinstated. Having the policy and any required SR-22 in place is usually part of getting the license back.

Can I buy car insurance in California without a valid driver’s license?

Yes. We have a market for drivers with no license, whether you never had one, yours expired, or you own a car that someone else drives. We can get you a quote.

Can I get car insurance with a foreign or international driver’s license?

Yes. We have a market for drivers with a foreign or international license, and we can get you a quote.

Can I get car insurance with no U.S. driving history or a brand-new California license?

Yes. New drivers and drivers new to the country have no record for a company to look at, which is why some companies decline them. We have a market for you and we can get you a quote.

Are teen drivers considered high-risk?

Yes. New drivers have no driving history and are more likely to be in an accident, so their rates are higher. We compare carriers to find the best rate for a teen driver, whether on a family policy or their own.

How do I add a teenage driver to my policy without paying a fortune?

Send us your teen’s name, date of birth and license or permit number. We have a market for teen drivers and we compare companies to find the lowest price.

My insurance company dropped me or will not renew me. Can I get covered?

Yes. We have a market for drivers who were dropped, canceled or not renewed, including for missed payments. Send us the notice and we will get you a quote before your coverage ends.

Why won’t my current company insure me?

Many big-name insurance companies mostly want drivers with clean records. After a DUI or serious violations, they often raise your rate sharply or decline to renew you. That is why MIS exists: we work with carriers that specialize in high-risk drivers.

What can I do if every insurance company refuses to insure me?

Call us. Being turned down by the companies you know does not mean nobody will insure you. We have a market for every driver, and we can get you a quote.

Can I get car insurance after a lapse in coverage?

Yes. A gap in coverage makes some companies say no, but we have a market for drivers with a lapse or with no prior insurance at all. We can get you a quote.

How can I get cheap car insurance with a bad driving record?

Compare more than one company, because each one prices a bad record differently. We shop dozens of insurance companies for you, and we shop again as tickets and accidents come off your record.

How long will I be considered high-risk?

It depends on the violation. Most tickets and at-fault accidents count for about three years, and a DUI counts for ten.

Can I get coverage the same day?

Yes. In most cases we can start your coverage the same day.

What if I don’t own a car?

A non-owner policy covers you when you drive a car you don’t own, and it can carry an SR-22 if you need one. See non-owner SR-22 insurance.