I’m a 19F and have been in 4 accidents in a year. 
I have non-owners car insurance, but it only works for cars I don’t own and can’t use regularly. That means I can’t use my parents’ car because I live with them, and I don’t want to ask a friend to put my car in their name. Does anyone know of any companies I can look into? 
Some insurance companies specialize in high-risk drivers and can offer coverage even if you have a history of multiple accidents. Progressive and Geico, for example, have programs tailored for high-risk drivers. Additionally, companies like The General and Mile Auto may provide options for those with higher risk profiles. Be sure to compare quotes and coverage options to find a policy that best fits your needs.
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Make a local independent insurance agent’s appointment. Seek out companies that promote working with “non-standard” or high-risk carriers. That’s your best option.
But don’t anticipate a healing. Your driving record at age 19 tells an insurance provider that it’s a matter of when rather than if you have another accident.
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You’ve essentially demonstrated that you are a sure thing. You won’t find what you’re looking for unless your definition of “affordable” is really broad.
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You don’t want a car in your friend’s name for a multitude of reasons, primarily because your insurance rate will be high.
Statistically speaking, if someone wrecked your car four times and you had to cover the costs, you’d charge them a lot to use your car. Four accidents in a year indicate either extreme bad luck or bad driving. Insurance rates are based on the payouts for claims versus the premiums collected. Unfortunately, no company will provide cheap insurance under these circumstances, as they all face the same risk.
A “cheap” insurance option doesn’t exist for someone with your driving record. All companies will see “four accidents in a year” and expect to pay out on a claim, resulting in high premiums or outright refusal to cover you. Claims are expensive—just one accident where someone claimed a back injury can cost $100k. Frequent claims, even if less severe, still heavily impact your insurance rates.
You’re approaching the point where insurance companies consider you a high-risk driver, limiting you to assigned risk pools or very expensive policies. To avoid this, avoid tickets and any further incidents. If you manage to get insurance, drive well for three years and your rates should decrease. However, note that some companies can deny coverage due to past claims for up to five years, even if the standard surcharge period is typically three years.
The challenge is not finding affordable insurance but finding a company willing to insure you at all. Geico might be an option, as they sometimes take a “there is a price for every person” approach. The General and Erie might also be worth considering. However, companies like Nationwide and Liberty Mutual will likely be too expensive or unwilling to take you on as a client. Each company evaluates risk factors differently, so it’s crucial to shop around and find the best fit for your situation.
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Hi, Ann. In Texas, State Farm offers the best insurance for high-risk drivers, with an average coverage costing roughly $1,155 per year. Farmers provide the lowest plans for high-risk drivers, costing $1,122 per year on average.
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I recommend Geico. It offers various types of coverage and could provide you with an affordable policy even with your accident history.
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Try Progressive. It offers flexible policies and often provides good options for high-risk drivers.
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You can go for either Allstate or State Farm. They both offer discounts that might help lower your premium.
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