Direct answer
It depends on the severity and recency of the incidents, as most insurers will significantly increase premiums for high-risk drivers. You may need to look for specialized carriers that focus on high-risk policies, as standard insurers may deny coverage or charge unaffordable rates.
State-specific Department of Insurance consumer rate comparison filings. For additional information about state rate filings and insurance regulation, see the National Association of Insurance Commissioners‘s consumer information portal.
What this means for you
It depends on the severity and recency of the incidents, as most insurers will significantly increase premiums for high-risk drivers. You may need to look for specialized carriers that focus on high-risk policies, as standard insurers may deny coverage or charge unaffordable rates.
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