Drivers with accidents, traffic violations and multiple claims generally pay much more for car insurance than good drivers.

WSJ Buy Side is The Wall Street Journal’s research and commerce team. Our commerce content is distinct from our newsroom coverage. We earn a commission from some links in our articles. Learn more.

Auto insurance isn’t just a formality; it’s a legal requirement in nearly every state. Beyond meeting state laws, the right auto insurance can protect you financially after an accident, cover ...

Drivers who rack up speeding tickets or cause multiple accidents could have trouble finding affordable auto insurance. While a driving mishap or two are likely to increase your rates, too many ...

Alexi Morgan is a writer who has spent her career curating data-driven content to help consumers make better financial decisions. Specializing in topics from car insurance to banking, she has led ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Charlene Rhinehart is a CPA , CFE, chair of an Illinois CPA Society committee, and has a ...

Teens, people older than age 70, and drivers with bad credit can also be considered high-risk drivers, too, and pay higher ...

Geico and Progressive are the top-rated companies for high-risk drivers in our analysis due to their below-average rates. Insurers might consider you a high-risk driver if you were at fault for an ...