Car insurance rates are set based on how risky the insurance company believes you are to insure. If they think there is a very small chance of you getting into a car accident, then your insurance rates are likely to be low since there isn't a large risk of them having to pay out. If they believe that there is a high chance that you will get into a car accident, your insurance rates will be high in a reflection of the danger to the insurance company of losing out on money.
When you have a reckless driving charge on your record, this sends a red flag to the insurance company that you do not drive carefully. Because you are a high risk driver, and a person who drives recklessly, the insurance company is going to raise your insurance rates. In some cases, the insurance company may even drop you as a client. If you are unable to find private insurance, you may have to resort to your state's high risk insurance pool.
Because reckless driving insurance costs are so high, you want to make sure to do whatever you can to avoid a conviction for reckless driving. If you are charged with reckless driving, this means you need to call a lawyer as soon as possible to get help.