[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"/blog/high-risk-car-insurance-costs-by-state":3},{"id":4,"title":5,"author":6,"body":7,"category":739,"ctaHref":740,"ctaLabel":740,"dateModified":741,"datePublished":741,"description":742,"draft":743,"extension":744,"featured":743,"image":740,"meta":745,"navigation":746,"path":747,"readingTime":748,"seo":749,"stem":750,"tags":751,"theme":740,"__hash__":759},"blog/blog/high-risk-car-insurance-costs-by-state.md","High-Risk Car Insurance Costs by State (2026)","Premier Auto Savings",{"type":8,"value":9,"toc":729},"minimark",[10,20,23,28,31,343,346,349,372,375,379,382,504,507,510,553,557,560,617,621,634,638,641,676,680,723],[11,12,13,14,19],"p",{},"Insurers call you high-risk when your record or your profile says you're more likely to file a claim, and they charge for it with a surcharge on top of your base rate. How big that surcharge is depends less on what you did than on where you live and who insures you. Our ",[15,16,18],"a",{"href":17},"/guide/dui-bad-record","DUI and bad-record guide"," covers the mechanics; this post lines up what our state guides publish for a speeding ticket, an at-fault accident and a DUI, and what else pushes a driver into the high-risk pool.",[11,21,22],{},"The short version: across the 15 guides that publish these surcharges as state averages, the typical surcharge is about 28% for a speeding ticket, 39% for an at-fault accident and 44% for a DUI. The range is the real story. A ticket adds 12% in Delaware and 90% in Kentucky; a DUI adds 24% in Delaware and 172% in North Carolina's quote data.",[24,25,27],"h2",{"id":26},"what-a-ticket-an-accident-or-a-dui-adds-by-state","What a ticket, an accident or a DUI adds, by state",[11,29,30],{},"Each figure compares with a clean record, as the guide reports it:",[32,33,34,56],"table",{},[35,36,37],"thead",{},[38,39,40,44,47,50,53],"tr",{},[41,42,43],"th",{},"State",[41,45,46],{},"Speeding ticket",[41,48,49],{},"At-fault accident",[41,51,52],{},"DUI",[41,54,55],{},"Measured on",[57,58,59,80,100,120,140,159,178,197,215,234,251,269,289,306,324],"tbody",{},[38,60,61,68,71,74,77],{},[62,63,64],"td",{},[15,65,67],{"href":66},"/cheap-car-insurance-alabama-2026","Alabama",[62,69,70],{},"+35%",[62,72,73],{},"+39%",[62,75,76],{},"+46%",[62,78,79],{},"Average across both coverage levels",[38,81,82,88,91,94,97],{},[62,83,84],{},[15,85,87],{"href":86},"/cheap-car-insurance-arkansas-2026","Arkansas",[62,89,90],{},"+53%",[62,92,93],{},"Between the two",[62,95,96],{},"+38%",[62,98,99],{},"Liability",[38,101,102,108,111,114,117],{},[62,103,104],{},[15,105,107],{"href":106},"/cheap-car-insurance-california-2026","California",[62,109,110],{},"+26%",[62,112,113],{},"+25%",[62,115,116],{},"+30%",[62,118,119],{},"Average across all coverage types",[38,121,122,128,131,134,137],{},[62,123,124],{},[15,125,127],{"href":126},"/cheap-car-insurance-delaware-2026","Delaware",[62,129,130],{},"+12%",[62,132,133],{},"+21%",[62,135,136],{},"+24%",[62,138,139],{},"Average premium",[38,141,142,148,151,154,157],{},[62,143,144],{},[15,145,147],{"href":146},"/cheap-car-insurance-kentucky-2026","Kentucky",[62,149,150],{},"+90%",[62,152,153],{},"+91%",[62,155,156],{},"+118%",[62,158,139],{},[38,160,161,167,170,173,176],{},[62,162,163],{},[15,164,166],{"href":165},"/cheap-car-insurance-louisiana-2026","Louisiana",[62,168,169],{},"+28%",[62,171,172],{},"+41%",[62,174,175],{},"+29% (OWI)",[62,177,139],{},[38,179,180,186,189,192,195],{},[62,181,182],{},[15,183,185],{"href":184},"/cheap-car-insurance-maryland-2026","Maryland",[62,187,188],{},"+18%",[62,190,191],{},"+22%",[62,193,194],{},"+61%",[62,196,99],{},[38,198,199,205,207,210,213],{},[62,200,201],{},[15,202,204],{"href":203},"/cheap-car-insurance-mississippi-2026","Mississippi",[62,206,191],{},[62,208,209],{},"+31%",[62,211,212],{},"+27%",[62,214,99],{},[38,216,217,223,225,228,231],{},[62,218,219],{},[15,220,222],{"href":221},"/cheap-car-insurance-missouri-2026","Missouri",[62,224,136],{},[62,226,227],{},"+29%",[62,229,230],{},"+29% (DWI)",[62,232,233],{},"Average across all coverage levels",[38,235,236,242,244,246,249],{},[62,237,238],{},[15,239,241],{"href":240},"/cheap-car-insurance-nevada-2026","Nevada",[62,243,191],{},[62,245,212],{},[62,247,248],{},"—",[62,250,99],{},[38,252,253,259,261,264,267],{},[62,254,255],{},[15,256,258],{"href":257},"/cheap-car-insurance-new-mexico-2026","New Mexico",[62,260,191],{},[62,262,263],{},"+43%",[62,265,266],{},"+51% (DWI)",[62,268,99],{},[38,270,271,277,280,283,286],{},[62,272,273],{},[15,274,276],{"href":275},"/cheap-car-insurance-north-carolina-2026","North Carolina",[62,278,279],{},"+32%",[62,281,282],{},"+40%",[62,284,285],{},"+172% (DWI)",[62,287,288],{},"Average quote",[38,290,291,297,299,301,304],{},[62,292,293],{},[15,294,296],{"href":295},"/cheap-car-insurance-ohio-2026","Ohio",[62,298,209],{},[62,300,282],{},[62,302,303],{},"+42% (OVI)",[62,305,139],{},[38,307,308,314,316,318,321],{},[62,309,310],{},[15,311,313],{"href":312},"/cheap-car-insurance-south-carolina-2026","South Carolina",[62,315,70],{},[62,317,73],{},[62,319,320],{},"+59%",[62,322,323],{},"Full coverage, one sample driver",[38,325,326,332,335,338,341],{},[62,327,328],{},[15,329,331],{"href":330},"/cheap-car-insurance-tennessee-2026","Tennessee",[62,333,334],{},"+33%",[62,336,337],{},"+42%",[62,339,340],{},"+50%",[62,342,139],{},[11,344,345],{},"Source: each linked state guide, which carries Insurify rate data current as of that guide's date. Maryland's accident figure is computed from the guide's $235 and $192 averages. — means the guide doesn't publish the figure. Because the guides measure on different bases, compare the percentages, not the dollars behind them.",[11,347,348],{},"Three things stand out.",[350,351,352,360,366],"ul",{},[353,354,355,359],"li",{},[356,357,358],"strong",{},"The state matters more than the violation."," Delaware's surcharges are the gentlest in the table, 12% to 24%, but its guide makes the point that the percentages look gentle only because the base is high. Kentucky's are the steepest on all three counts, 90% to 118%.",[353,361,362,365],{},[356,363,364],{},"A DUI isn't always the costliest mark."," In Louisiana (+41% against +29%) and Mississippi (+31% against +27%), an at-fault accident costs more than a DUI. Missouri prices the two the same, and in Arkansas a speeding ticket (+53%) costs more than a DUI (+38%).",[353,367,368,371],{},[356,369,370],{},"North Carolina sets its own price."," Its quote data shows DWI drivers paying 172% more than clean-record drivers, but the state's Safe Driver Incentive Plan fixes the DWI surcharge at 340% of the base rate, per the North Carolina Department of Insurance. The average quote and the statutory surcharge measure different things; either way, it's the steepest DUI penalty in the table.",[11,373,374],{},"For a national yardstick, NerdWallet's September 2026 analysis, as our DUI guide reports it, puts the full-coverage surcharge at 29% for a speeding ticket, 49% for an at-fault accident and 89% for a DUI. Our medians run lower, but the two aren't measured the same way: NerdWallet's figures are full coverage for one sample driver, and most of ours are state averages on liability or across coverage levels.",[24,376,378],{"id":377},"the-cheapest-carrier-usually-stays-cheapest","The cheapest carrier usually stays cheapest",[11,380,381],{},"A surcharge in percent isn't what you pay. In most of our guides the carrier that's cheapest for a clean record is still cheapest after a violation, even when its percentage surcharge is bigger than the state average's:",[32,383,384,402],{},[35,385,386],{},[38,387,388,390,393,396,398,400],{},[41,389,43],{},[41,391,392],{},"Carrier",[41,394,395],{},"Clean record",[41,397,46],{},[41,399,49],{},[41,401,52],{},[57,403,404,425,442,463,484],{},[38,405,406,410,413,416,419,422],{},[62,407,408],{},[15,409,87],{"href":86},[62,411,412],{},"State Farm",[62,414,415],{},"$34",[62,417,418],{},"$44",[62,420,421],{},"$45",[62,423,424],{},"$49",[38,426,427,429,431,433,436,439],{},[62,428,204],{},[62,430,412],{},[62,432,421],{},[62,434,435],{},"$56",[62,437,438],{},"$60",[62,440,441],{},"$61",[38,443,444,450,452,455,458,461],{},[62,445,446],{},[15,447,449],{"href":448},"/cheap-car-insurance-west-virginia-2026","West Virginia",[62,451,412],{},[62,453,454],{},"$40",[62,456,457],{},"$51",[62,459,460],{},"$52",[62,462,441],{},[38,464,465,471,474,476,479,482],{},[62,466,467],{},[15,468,470],{"href":469},"/cheap-car-insurance-virginia-2026","Virginia",[62,472,473],{},"Auto-Owners",[62,475,435],{},[62,477,478],{},"$72",[62,480,481],{},"$75",[62,483,478],{},[38,485,486,490,492,495,498,501],{},[62,487,488],{},[15,489,127],{"href":126},[62,491,412],{},[62,493,494],{},"$102",[62,496,497],{},"$130",[62,499,500],{},"$139",[62,502,503],{},"$146",[11,505,506],{},"Source: each linked state guide; liability, per month. Delaware's row is State Farm, the cheapest carrier open to everyone; USAA, which sells only to military families, is cheaper in every row.",[11,508,509],{},"Mississippi is the clearest case. State Farm's DUI surcharge there is 36%, steeper than the state's 27% average, yet its $61 a month is about half the $113 state average for a driver with a DUI. Virginia shows the other side: the same ticket that costs $72 at Auto-Owners is $135 at GEICO, and the same DUI $141.",[11,511,512,513,517,518,522,523,527,528,532,533,537,538,542,543,547,548,552],{},"Elsewhere the after-violation leader is often a regional or nonstandard carrier: Auto-Owners in ",[15,514,516],{"href":515},"/cheap-car-insurance-georgia-2026","Georgia"," ($95 after a ticket), ",[15,519,521],{"href":520},"/cheap-car-insurance-indiana-2026","Indiana"," ($47 after a ticket or an accident) and ",[15,524,526],{"href":525},"/cheap-car-insurance-michigan-2026","Michigan"," ($88 for high-risk drivers); Erie in ",[15,529,531],{"href":530},"/cheap-car-insurance-new-york-2026","New York","; NJM in ",[15,534,536],{"href":535},"/cheap-car-insurance-new-jersey-2026","New Jersey",", about $149; Plymouth Rock in ",[15,539,541],{"href":540},"/cheap-car-insurance-pennsylvania-2026","Pennsylvania",", $57; Country Financial in Nevada at $67 after a DUI; State Farm in ",[15,544,546],{"href":545},"/cheap-car-insurance-massachusetts-2026","Massachusetts"," at $76 after a DUI; and Direct Auto in North Carolina at $66 after a DWI. Shop on the dollars, then ",[15,549,551],{"href":550},"/","price your own profile"," against them.",[24,554,556],{"id":555},"what-else-makes-a-driver-high-risk","What else makes a driver high-risk",[11,558,559],{},"Violations are the obvious trigger. These are the others our guides price:",[350,561,562,573,584,595,606],{},[353,563,564,567,568,572],{},[356,565,566],{},"A filing requirement."," An SR-22 marks you as high-risk for as long as it runs. SR-22 drivers pay about 16% more than clean-record drivers in Mississippi and about 58% more in Arkansas. Our ",[15,569,571],{"href":570},"/blog/sr-22-insurance-companies-costs-by-state","SR-22 companies and costs post"," has the averages for every guide that publishes one, from $81 a month in Indiana to about $198 in Texas.",[353,574,575,578,579,583],{},[356,576,577],{},"A gap in coverage."," Insurers price a lapse as a risk signal on its own, with no accident required. Our ",[15,580,582],{"href":581},"/blog/car-insurance-after-coverage-lapse","coverage-lapse guide"," covers the mechanics.",[353,585,586,589,590,594],{},[356,587,588],{},"Credit, where it's allowed."," At State Farm in Mississippi and Arkansas, bad credit costs 47% more than good credit, more than a speeding ticket costs at the same carrier. California bars insurers from pricing on credit, and its guide credits that rule for part of why the state's violation surcharges stay moderate. Our ",[15,591,593],{"href":592},"/guide/credit-score","credit-score guide"," covers the playbook.",[353,596,597,600,601,605],{},[356,598,599],{},"Age."," Teens are rated high-risk before they've done anything: Mississippi's teen liability average is $162 a month, 82% above the state's $89 average for an adult with a clean record. Our ",[15,602,604],{"href":603},"/blog/choosing-safe-first-car-teen-driver","teen safe-car guide"," covers the car side of the bill.",[353,607,608,611,612,616],{},[356,609,610],{},"A claim that wasn't your fault."," It shouldn't count against you, and at some carriers it does; our ",[15,613,615],{"href":614},"/blog/does-not-at-fault-accident-raise-rates","not-at-fault explainer"," covers how to tell.",[24,618,620],{"id":619},"how-long-it-follows-you","How long it follows you",[11,622,623,624,628,629,633],{},"Two clocks run at once, as our DUI guide explains: the carrier's pricing window, which usually runs in three- and five-year tiers, and the state's record, which is often longer. Connecticut's DMV holds serious violations for ten years, per our ",[15,625,627],{"href":626},"/cheap-car-insurance-connecticut-2026","Connecticut guide",". California keeps a DUI on the record for ten years. North Carolina's SDIP surcharges run three years, or five for convictions of four or more insurance points on or after July 1, 2025. Your rate usually improves before your record clears, which is why the third and fifth anniversaries are the dates to re-shop. Our ",[15,630,632],{"href":631},"/blog/insurance-points-vs-license-points","insurance points vs. license points explainer"," covers which clock is which.",[24,635,637],{"id":636},"enough-coverage-not-just-the-minimum","Enough coverage, not just the minimum",[11,639,640],{},"With a surcharge on every premium dollar, the temptation is to buy the state minimum and stop. Three reasons not to:",[350,642,643,654,665],{},[353,644,645,648,649,653],{},[356,646,647],{},"Minimum limits are low."," 25/50/25 is the floor in Mississippi, Arkansas and Alabama, and a $25,000 per-person limit is low for a serious injury; anything above your limits is yours personally. Our ",[15,650,652],{"href":651},"/blog/state-minimum-coverage-2026","state minimum coverage guide"," covers the gap.",[353,655,656,659,660,664],{},[356,657,658],{},"The other driver may not be insured either."," In Mississippi 28.2% of drivers were uninsured in 2023, the highest share in the country, per the Insurance Research Council. Uninsured motorist coverage is the part of your own policy that pays when they can't; our ",[15,661,663],{"href":662},"/blog/what-is-uninsured-motorist-coverage","uninsured motorist explainer"," covers how.",[353,666,667,670,671,675],{},[356,668,669],{},"An SR-22 proves the minimum; it doesn't cap you at it."," You can carry higher limits with the filing. If you don't own a car, a ",[15,672,674],{"href":673},"/blog/non-owner-car-insurance-who-needs-it","non-owner policy"," can carry the filing for less: about $47 a month in California, against $171 for a standard SR-22 policy, per our California guide.",[24,677,679],{"id":678},"how-to-shop-with-a-record","How to shop with a record",[681,682,683,689,695,701,707,713],"ol",{},[353,684,685,688],{},[356,686,687],{},"Start with the carrier our guide names for your state after a violation",", not the one you had before it.",[353,690,691,694],{},[356,692,693],{},"Compare dollars, not percentages."," The carrier with the bigger surcharge can still be the cheapest quote, as State Farm is in Mississippi.",[353,696,697,700],{},[356,698,699],{},"Add a nonstandard carrier, but check its price."," They write drivers the standard carriers turn down, and they aren't always cheap: in Mississippi after a DUI, Bristol West is $90 and Dairyland $198, against State Farm's $61.",[353,702,703,706],{},[356,704,705],{},"Ask how far back the carrier looks",", and calendar the third and fifth anniversaries of the violation.",[353,708,709,712],{},[356,710,711],{},"Take the course if it earns a discount."," Delaware and Oklahoma both have state-backed driving-course discounts, per their guides.",[353,714,715,722],{},[356,716,717,718,721],{},"Then ",[15,719,720],{"href":550},"compare quotes"," for your own record."," Every figure above is an average, and your quote is the one that counts.",[11,724,725],{},[726,727,728],"em",{},"Violation surcharges, carriers, SR-22, credit, teen and record-keeping figures per our linked state guides, which carry Insurify rate data current as of each guide's date (Mississippi's: current as of October 21, 2026). Percentages are each guide's own, except Maryland's at-fault accident figure, computed from the guide's $235 and $192 averages, and the medians, computed from the 15-state table. National full-coverage surcharges per NerdWallet's September 2026 analysis, and North Carolina's SDIP surcharge and surcharge periods per the North Carolina Department of Insurance, both as reported in our DUI guide; California's ten-year DUI record per Vehicle Code § 23540, also as reported there. Uninsured share per the Insurance Research Council (2023 data, published 2025). Actual quotes vary by driver profile.",{"title":730,"searchDepth":731,"depth":731,"links":732},"",2,[733,734,735,736,737,738],{"id":26,"depth":731,"text":27},{"id":377,"depth":731,"text":378},{"id":555,"depth":731,"text":556},{"id":619,"depth":731,"text":620},{"id":636,"depth":731,"text":637},{"id":678,"depth":731,"text":679},"analysis",null,"2026-10-26","What a speeding ticket, an at-fault accident or a DUI adds to car insurance in 15 of our state guides, what else drives the surcharge, and how to shop.",false,"md",{},true,"/blog/high-risk-car-insurance-costs-by-state","8",{"title":5,"description":742},"blog/high-risk-car-insurance-costs-by-state",[752,753,754,755,756,757,758],"high-risk drivers","high-risk car insurance","dui","speeding ticket","at-fault accident","sr-22","state guides","VMvAoiY86HaHyYNR7_jpsp7YA33lDZnISd4PvrCSTro"]