Cheap High-Risk Car Insurance in California
A lower price, or we tell you to keep what you have
High-risk car insurance in California shouldn't take five phone calls. Make one and we do the rest.
Starting at $1/day · Free quote · CA drivers only
We're Here to Get You the Lowest Price We Can Find
Drivers from Lancaster, Palmdale and Los Angeles on the price they got and how they were treated.
"Great customer service by Anna. Got me the lowest rate possible with an uplifting attitude, which is always refreshing. Thank you Anna!"
"Excellent customer service. Very low rates and amazing staff. Definitely recommending my family and friends!"
"Phenomenal service, excellent prices. I have been a customer for years. This is the only company I want to do business with when it comes to car insurance."
"Express insurance is the best ever. Mrs Corina was amazing, she made me feel comfortable and welcome along with her staff. She gave me the best affordable deal I can afford. I will tell everyone about express insurance. Thank you Mrs Corina!"
"Great customer service with the best rates I could find, plus a free SR-22!"
"Thank you Danny for taking care of me. Needed insurance for my vehicle and they took care of me right away. Fast, reliable, and easy. Would highly recommend anyone if they need their car covered."
"Great experience with my car insurance agency. Bryanna was very helpful, professional, and easy to work with. She made my call simple and stress-free. Highly recommend!"
"I like the place, also it was fast to sign up and renew insurance with Brandon in person. Thank you, see you next time!"
"I will always give this company five stars. Respectful, great customer service, always answer my questions, and I've been with them for a couple years now. Thank you Bryanna!!!!"
"I had an excellent experience working with Bryanna for my car insurance needs. Her professionalism and genuine care really stood out. She truly wanted to make sure I felt confident in my decision. Highly recommend Bryanna!"
"Great help, speedy responses, and stuck by us till we left the lot with our car the entire way. Would like to say a special thanks to Bryanna, she was amazing!!"
"I love Express Lane. Bre is always so helpful and nice, always taking the extra step to make sure you're happy. Thank you Express Lane!"
"Outstanding customer support and service. Karina works wonders and is polite, personable, and a delight to associate with."
Our Insurance Partners
Quoted on the spot
We run your details through these companies while you're on the line, in one 10-minute call.
Started the same day
Once we find your lowest price, your policy starts today, with proof of insurance sent to your phone.
Any driving record
Between them, these companies cover DUIs, tickets, points, at-fault accidents, and SR-22 filings.
Each of these companies prices high risk auto insurance in California differently. We check them for you and bring back the lowest price we find.
Call NowYour Record Raised Your Rate
You Still Shouldn't Overpay
A DUI, tickets, an accident or points put you in the high-risk group, and every insurance company charges that group more. How much more is where they differ.
A Price You Didn't Expect
You asked for a quote and the number came back far higher than what you used to pay.
No Way to Know If It's Fair
With one quote in hand, you can't tell if that's what your record costs or just what that one company charges.
Second Chance Car Insurance, Without the Lecture
Our clients tell us that at other agencies they felt judged as soon as they mentioned their record. Here you get a price, not a lecture.
Car Insurance for High-Risk Drivers
in California Is What We Do
One price from one company.
Our clients tell us they were given one price from one company, with no way to know if a lower one existed.
The lowest price across multiple companies.
We price your policy with multiple insurance companies that cover drivers with DUIs, tickets, accidents and points, then give you the lowest price we find. If your current rate is already the lowest, we'll tell you.
We Work for You, Not the Insurance Company
We shop multiple insurance companies to find the right rate and coverage for you, not just whoever pays us the most.
Proof of Insurance the Same Day
Most drivers have proof of insurance about 15 minutes after choosing a policy.
Four Offices, English and Spanish
Walk in at Lancaster or Palmdale, book an appointment in downtown Los Angeles, or call from anywhere in California. Hablamos español.
Whatever Is on Your Record
We'll Find Your Lowest Price
High-risk car insurance in California for drivers with:
A DUI
Insurance companies don't all charge the same after a DUI. We check which one is lowest for you.
Tickets and points
Car insurance for people with points costs more, but the price for the same points changes from company to company.
An at-fault accident
One accident shouldn't lock you into the first price you were given.
A cancelled or lapsed policy
If your policy was cancelled or ran out, we can start a new one the same day.
A suspended license
You can buy a policy while your license is suspended, and in many cases you need one to get it back.
An SR-22 requirement
If the DMV or a court asked for an SR-22, we send it to the DMV the day you call. See SR-22 insurance.
Three Steps to
Your Lowest Price
Call Us
Tell us about your record, your car and what you pay now. It takes about 10 minutes. Or send the form and we'll call you.
We Compare Insurance Companies
We bring you the lowest price we find. If you're already paying it, we'll say so.
Drive Insured Today
Say yes and you get proof of insurance the same day.
Pay Only for
the Coverage You Need
The less coverage you carry, the less you pay. Your agent will help you choose between the legal minimum and more protection.
Liability Only
The lowest-priced way to drive legally. It meets California's minimum of $30,000 per person, $60,000 per accident and $15,000 for property damage.
Full Coverage
Adds collision and comprehensive so your own car is covered too. Most lenders require it if you have a loan or lease.
Uninsured Motorist
Pays your bills when the driver who hit you has no insurance or not enough.
SR-22 Filing
Added to your policy and sent to the California DMV the day you call. More on SR-22 insurance.
Driving Uninsured Costs More
Than the Policy
After a DUI, a ticket or an accident, skipping insurance to save money is the expensive choice.
- A base fine of $100 to $200 for a first offense, before court assessments
- $200 to $500 for a second offense within three years
- Your car can be impounded
- The DMV can suspend your registration
- If you cause an accident, the other driver's bills are yours
Minimum Coverage Since January 1, 2025
High-risk drivers must carry the same minimums as everyone else.
Insured, Legal and Paying
the Lowest Price We Found
- The lowest price we found across multiple insurance companies
- Proof of insurance the day you call
- Coverage that meets California's minimums
- An agent who speaks English and Spanish
- A lower rate over time as your record clears
What affects your high-risk rate
- DUI History
- At-Fault Accidents
- Tickets and Points
- Years Since the Incident
- Vehicle
- Zip Code
- Coverage You Choose
Find Out What Your Record
Really Costs
One 10-minute call. We check multiple insurance companies and tell you the lowest price we find, starting at $1/day.
Call NowFrequently Asked Questions About High-Risk Car Insurance in California
Straight answers on cost, points, DUIs, suspended licenses and how fast you can be insured.
Still have questions? Our agents are ready to help.
Call NowHigh-Risk Driver Resources & Guides
Real answers to the questions California high-risk drivers ask most. Written and reviewed by our licensed agents.
High-Risk Car Insurance in California: SR-22, DUI Costs 2026
After a DUI, multiple tickets, or a suspension, getting insured in California feels harder than it has to be. What high-risk coverage costs in 2026, when SR-22 is required, and how to get back on the road.
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Can I Renew My Registration Without Insurance?
Paying your renewal fees and having a valid registration are two different things in California. What happens when the DMV has no insurance on file, and how to clear a suspension.
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How to Switch Auto Insurance Without Gaps in Coverage
How to switch auto insurance in California without a coverage gap. Step-by-step timing, mid-policy rules, and how to avoid a DMV registration suspension, plus what a lapse means if you carry an SR-22.
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SR-22 Insurance in California: What It Is & How to File
What an SR-22 actually is, who needs one, how long it lasts, and how to file fast with a California DMV-approved insurance company. Everything you need to know before you call.
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How Do You Get Your License Back After a DUI?
Yes, you can get your license back after a DUI in California. Here are the exact steps to reinstate your driving privileges, plus how to get the SR-22 insurance you'll need to do it.
Read Article
Can You Get Car Insurance Without a License? 4 Steps
Yes, you can get car insurance without a license in California. Learn who qualifies, what steps to take, and how Express Lane Insurance can get you covered fast.
Read ArticleHigh-Risk Car Insurance
in Lancaster, Palmdale and Los Angeles
Walk in at either Lancaster office or in Palmdale, or book an appointment downtown. By phone, we insure drivers anywhere in California.