How It Works
Enter your ZIP and tell us about your violation
Get matched with carriers who write policies for drivers with points in your state
Choose your coverage and lock in your rate
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Required in 48 states, liability covers damage you cause to others. Minimum limits range from 15/30/5 in California to 50/100/25 in Maine, with higher limits recommended for drivers with prior at-fault accidents.
Full Coverage
Combines liability, collision, and comprehensive protection. Full coverage premiums increase 20-80% after a first moving violation, depending on violation severity and state rating rules.
Non-Standard Auto Insurance
Designed for drivers with multiple violations, accidents, or point totals near suspension thresholds. Non-standard carriers use specialized underwriting that weighs driving history differently than standard insurers.
SR-22 Insurance
A state-mandated certificate filed by your insurer proving you carry minimum coverage. Required for 3-5 years after DUI, suspended license, or multiple violations in 46 states that use SR-22 filings.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient limits. Mandatory in 20 states and especially valuable for drivers who cannot afford another at-fault claim on their record.
