Dunno if it helps any, but I am a high risk driver on with State Farm Insurance. I have 7 points (8 and I am suspended), and I am still insured. After going through mandatory driver safety and awareness courses, I got the MVA (and court) off my butt, and this pleased State Farm. They did NOT raise my rates, but actually LOWERED them. With my record, I pay roughly $1,100 a year.