High-Risk Auto Insurance in California
Standard carriers declined you? You're in the right place. We work the non-standard California auto market - the carriers built specifically for drivers with DUIs, accidents, lapsed coverage, or imperfect records. Same-day quotes, often same-day binding.
Licensed California broker - License #0L87147
Who counts as "high-risk" in California
Accidents, violations, coverage gaps or an SR-22 requirement can affect the markets available to you. A rate increase or non-renewal does not automatically mean you need a non-standard policy. We review your circumstances and the available options.
-
DUI or other serious driving violations.
-
At-fault accidents or multiple moving violations.
-
A lapse in prior insurance.
-
An SR-22 filing requirement.
-
A past suspension or limited driving history.
-
A foreign license or limited U.S. driving history, subject to carrier eligibility.
Eligibility and pricing vary by carrier, driving history, vehicle and other permitted factors. We help you understand the options available for your situation.
What we cover
Available coverage depends on the carrier and policy selected. Limits, deductibles, exclusions and driver eligibility should be reviewed before binding.
-
Liability — standard California minimum limits are $30,000 per person, $60,000 per accident and $15,000 property damage; higher available limits may be appropriate.
-
Collision and comprehensive — optional protection for covered vehicle damage, subject to deductibles and exclusions.
-
Uninsured/underinsured motorist — options to review for eligible losses involving inadequately insured drivers.
-
Medical payments — optional coverage subject to the policy terms and limits.
-
SR-22 filing — arranged through the carrier when required and available.
-
Rental reimbursement and roadside assistance — optional features where offered.
What makes non-standard different
Non-standard policies can differ in eligibility, exclusions, available limits and payment terms. Review the details before choosing coverage.
-
Driver and vehicle eligibility varies by carrier.
-
Available limits, deductibles and optional coverages can differ.
-
Payment plans and fees should be compared alongside the coverage.
-
Violations and accidents may affect eligibility and pricing for different periods; there is no universal three-year cutoff.
Reviewing your options over time
As your driving record, vehicles or household change, your insurance needs and available markets may change too. Contact us at renewal to review the current options. A clean record does not guarantee a particular price or a return to a standard market within a set period.
How fast can you get covered
-
Share accurate driver, vehicle, driving-history and current-coverage details.
-
We review available carriers and explain coverage, exclusions and payment terms.
-
You choose an available option and complete the required application and payment.
-
Coverage begins only after binding and the effective date are confirmed in writing.
-
We provide policy documents and arrange an SR-22 filing if required; carrier processing times vary.
Situations we can review
-
A DUI or multiple accidents or violations.
-
A gap in prior insurance.
-
Limited U.S. driving history or a foreign license.
-
A suspension or SR-22 requirement.
-
Households with drivers who have different driving records.
-
Eligibility depends on the full application and carrier underwriting.
Frequently asked questions
Can my rate improve over time?
It may. Pricing depends on the carrier, your record, coverage choices and other permitted factors. We can review the available options as your circumstances change; no specific reduction or timetable is guaranteed.
Can I get coverage the same day?
Same-day issuance is often available for eligible applicants with complete information and payment. Coverage begins only after binding and the effective date are confirmed in writing.
What driving-history information should I provide?
Answer application questions accurately and completely. If you are unsure about an incident, tell us so we can review it. Incorrect or incomplete information can affect eligibility and coverage.
What if I believe my record or rate is incorrect?
We can help you review the information used for your quote and compare available options. Errors in driving or claims records may need to be disputed with the organization that maintains the record.
Should I disclose accidents that were not my fault?
Answer the application’s accident and claims questions accurately, including not-at-fault incidents when requested. How a carrier uses the information depends on applicable California rules and its underwriting criteria.
Review your California auto insurance options
Get clear, respectful guidance from a licensed broker. We explain the available coverage and help you understand the next step.
Licensed California Insurance Broker - License #0L87147