Best Auto Insurance Companies for High-Risk Drivers (2024)
The best auto insurance companies for high-risk drivers are State Farm and Geico. High-risk drivers, including those with traffic violations or DUIs, pay around $176/mo for full coverage. Below, you can find the cheapest insurance for high-risk drivers and companies that don't check driving record.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- High-risk drivers pay around $176 monthly for auto insurance
- High-risk auto insurance companies help insure drivers with traffic violations, DUIs, or speeding tickets
- Some auto insurance companies won’t offer coverage to high-risk drivers
Finding the best auto insurance companies for high-risk drivers can be tricky, and coverage will be expensive. Generally, rates for high-risk drivers are $150 more a month, but finding the cheapest insurance for high-risk drivers is possible if you evaluate auto insurance quotes from various companies.
When looking for high-risk auto insurance, shop around to see which company can offer you the best and cheapest insurance for high-risk drivers. Enter your ZIP code into our free quote comparison tool to see rates from the best auto insurance companies for high-risk drivers near you.
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2,180 reviews
Free Auto Insurance Comparison
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Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Best Auto Insurance Companies for High-Risk Drivers
There are many factors that affect auto insurance rates, and the most significant one is your driving record. Auto insurance companies worry about risk, so high-risk drivers will pay higher rates or get denied coverage altogether, making it hard to find affordable high-risk car insurance. (Read More: Auto Insurance for Drivers With a Bad Driving Record).
Take a look at this table to understand how driving record affects high-risk auto insurance rates:
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Accident | One Speeding Ticket | One DUI |
|---|---|---|---|---|
| Allstate | $160 | $225 | $188 | $270 |
| American Family | $117 | $176 | $136 | $194 |
| Farmers | $139 | $198 | $173 | $193 |
| Geico | $80 | $132 | $106 | $216 |
| Liberty Mutual | $174 | $234 | $212 | $313 |
| Nationwide | $115 | $161 | $137 | $237 |
| Progressive | $105 | $186 | $140 | $140 |
| State Farm | $86 | $102 | $96 | $112 |
| Travelers | $99 | $139 | $134 | $206 |
| USAA | $59 | $78 | $67 | $108 |
As you can see, State Farm auto insurance offers the lowest rates to drivers with accidents, tickets, and DUIs on their driving record, averaging $103 monthly. Geico high-risk insurance is also cheap, especially for drivers with speeding tickets — high-risk insurance with Geico costs around $151 monthly. Read more about the best auto insurance companies for drivers with speeding tickets.
Who Auto Insurance Companies Consider High-Risk Drivers
What is high-risk insurance called? High-risk auto insurance is sometimes called non-standard insurance. If your state requires you to carry high-risk coverage, read more about SR-22 auto insurance.
However, your driving record isn’t the only thing that makes you a high-risk driver.
Drivers are also high risk if they meet these requirements:
- Young drivers
- Older drivers
- Have poor credit
- Drive exotic cars
- Have allowed auto insurance to lapse
Young drivers lack experience and are more likely to be in an accident. While older drivers have experience, they can sometimes have medical conditions that impede their driving. Still, by comparing rates, you can find the cheapest insurance for high-risk drivers, including young and older drivers.
Read More:
You might wonder how credit scores affect auto insurance rates and can classify you as a high-risk driver. Insurance companies believe drivers with low credit scores are more likely to miss payments and file claims.
Allowing your auto insurance to lapse is a big red flag. Insurance companies want to know that you’ll make your payments and drive legally.
Most states require car insurance, but 13% of drivers are uninsured, according to the Insurance Information Institute. Driving without auto insurance can lead to fines, higher rates, driver’s license suspension, and even jail time. You can find the cheapest insurance for high-risk drivers to drive legally if you only need to meet state minimum auto insurance requirements.
The type of car you drive can also cause you to be considered a high-risk driver. More expensive cars to repair or replace will raise your auto insurance rates. Read more about how to get a new car auto insurance discount to lower rates for your costly vehicle.
How Drivers Can Save on High-Risk Auto Insurance Coverage
There are many ways to lower your auto insurance rates as a high-risk driver. The easiest way is to take advantage of auto insurance discounts. Most insurance companies offer many discounts, so there’s bound to be discounts for everyone.
This table shows you the most common auto insurance discounts from some of the top companies:
Auto Insurance Discounts by Company
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
Another way to save money on your policy is to lower your coverage and raise your auto insurance deductibles. While you’ll save money, you should be prepared to have larger out-of-pocket costs in the event of an accident.
You can look for auto insurance companies that don’t check driving records, but that will be hard to find and expensive when you do find it.
Worried a bad driving history will affect your insurance rates?🚗At https://t.co/27f1xf131D, we're here to help you understand exactly how companies check your records so you can be prepared for any possible rate increases!🤑 Learn more here👉: https://t.co/duhDY6zieo pic.twitter.com/YG5dN9f3EE
— AutoInsurance.org (@AutoInsurance) May 4, 2023
Drivers can also improve their credit score, drive a less expensive vehicle, or take defensive driving courses to help lower rates.
Find the Cheapest Auto Insurance for High-Risk Drivers
What do non-standard auto insurance companies offer? Non-standard high-risk insurance companies offer the same coverages you’d find at standard companies. The best auto insurance companies for high-risk drivers vary from driver to driver, but drivers can also take advantage of discounts to lower their high-risk insurance rates.
How can I find high-risk car insurance near me? Shop around and compare various companies to find the cheapest insurance for high-risk drivers. In addition, enter your ZIP code to compare free quotes from the best high-risk car insurance companies in your area.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What are the best insurance companies for people with bad driving records?
State Farm, Geico, and Progressive offer the cheapest insurance for high-risk drivers.
How much is high-risk insurance a month?
On average, a high-risk auto insurance policy costs $176 monthly. However, rates vary by violation and other factors, such as age, gender, and types of auto insurance coverage.
Who do auto insurance companies see as the highest risk?
Generally, young drivers with several traffic violations on their driving record pose the highest risk to auto insurance companies.
Is Progressive good for high-risk drivers?
Progressive auto insurance offers competitive rates for high-risk drivers, specifically those with poor credit or DUIs.
How can I find high-risk car insurance near me?
To find the cheapest insurance for high-risk drivers, we recommend you shop around and compare quotes from various insurance companies. You can use online tools and resources to compare high-risk insurance quotes from different insurers based on location.
How can high-risk drivers save money on auto insurance?
High-risk drivers can take several steps to save money on auto insurance. One way is to take advantage of available discounts offered by high-risk auto insurance companies. These discounts can vary but may include safe driver discounts, good student discounts, or discounts for having certain safety features in your vehicle.
Read More:
- How to Get a Good Driver Auto Insurance Discount
- How to Get a Good Student Auto Insurance Discount
- How to Get an Anti-Lock Brakes Auto Insurance Discount
Another option is to lower coverage and raise deductibles but remember that you’ll pay higher out-of-pocket costs after an accident. Improving your credit score, driving a less expensive vehicle, or completing defensive driving courses can also help lower rates.
Are there any auto insurance companies that specialize in coverage for high-risk drivers?
Yes, some auto insurance companies specialize in providing coverage for high-risk drivers. These companies understand high-risk drivers’ unique needs and challenges and offer tailored coverage options.
Research and compare insurance companies catering to high-risk drivers to find the best fit for your situation.
Can having multiple high-risk incidents on my driving record lead to being uninsurable?
While having multiple high-risk incidents on your driving record can make it more challenging to find affordable coverage, it doesn’t necessarily mean you’re uninsurable. Some insurance companies specialize in providing coverage for high-risk drivers, although the premiums may be higher.
It’s important to compare rates from the best companies to find the cheapest insurance for high-risk drivers.
Is it possible to remove points from my driving record to improve my insurance rates?
You can sometimes remove points from your driving record by attending traffic school or completing a driver improvement course. These options are available in certain jurisdictions, and the rules and requirements vary. Contact your local Department of Motor Vehicles (DMV) for more information.
How can I improve my credit score to lower my auto insurance rates as a high-risk driver?
To improve your credit score and lower your auto insurance rates as a high-risk driver, you can focus on paying bills on time, reducing credit card debt, and maintaining a low credit utilization ratio. Over time, these actions can positively impact your credit score and potentially lower premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.