High risk auto insurance can be 50 percent more, and probably more often it would be 100 percent more than regular rates. For those with five, six, seven tickets, and a few accidents, it can go well into the 10 times more. If you’re a young driver without the driving experience to back it up, you could see a $20,000 insurance premium. More often it’s 50 or 60 percent surcharge over the regular rate if you’re just a little bit into the penalty box.