If you are searching for the best high-risk auto insurance, we are ready to help. While it is challenging to find low-cost insurance coverage if you have been labeled a high-risk driver, it’s not impossible. Yes, you will need to do a more research than the driver with a spotless record, but it will pay off in the long run.

Luckily, we are here to help. Our review team has already looked into the best car insurance providers – reviewing costs, coverage options, additional perks, and company reputations. For this article, we took a second look at these companies, aimed specifically at deciding which provide the best high-risk car insurance.

The only way to know how much you will pay for car insurance is to get a quote. This is because pricing varies depending on your location, vehicle, and more. Enter your zip code to start comparing top car insurance providers in your area. You can also call our team at (844) 246-8209 to get started.

 

In this article:

 

What Is High-Risk Auto Insurance?

High-risk auto insurance is a type of car insurance reserved for drivers with past driving violations, inexperience behind the wheel, or poor credit. Drivers that meet any of these criteria are considered more liable and pose a greater risk to insurance companies. This means higher insurance premiums. It should be noted that not all insurance companies offer high-risk auto insurance.

 


 

The Best High-Risk Auto Insurance Providers

Listed below are five of the top insurance companies that do cover high-risk drivers. In your search for the best high-risk auto insurance, we recommend getting quotes from these top providers. Several offer usage-based policies that can result in a lower premium if you don’t drive often, as well as accident forgiveness and new car replacement in the event that yours is damaged beyond repair.

Best High-Risk Auto Insurance Providers Our Star Rating Financial Strength Claims Satisfaction

Usage-based policies

 Accident forgiveness

New car replacement

1. Progressive Car Insurance

4.5

A+

3/5

2. Geico Auto Insurance

4.5

A++

3/5

 

3. USAA Car Insurance

5.0

A++

5/5

4. The General Insurance

3.5

A

N/A

     
5. State Farm Auto Insurance

4.5

A++

3/5

 

Financial strength is based on the AM Best Financial Strength Rating, while the claims satisfaction score comes from the J.D. Power Auto Claims Satisfaction StudySM.


 

Progressive Insurance logo

#1 Progressive High-Risk Auto Insurance

Average annual cost estimate: $1,397

No one can deny that Progressive has some exceptional ad campaigns that help to increase brand recognition, but how good are the policies and customer service? Thankfully, Progressive lives up to its reputation with a multitude of offerings and an easy quotes process. In fact, you can directly compare rates with competitors when you use the price comparison tool on Progressive’s website.

The company also provides several benefits, including:

  • Rental car reimbursement
  • Loan/lease payoff
  • Roadside assistance

If you have bad credit or have had a moving violation, you’ll find some of the lowest prices through Progressive. The company has an extensive list of available discounts you might qualify for in spite of your age or driving history.

Pros

Cons

Lots of coverage options

Customer satisfaction score slightly lower than other providers

Easy to get a quote quickly

Does not offer military discounts

Unique price comparison tool

 

Technology-savvy

 

While Progressive doesn’t come close to failing in the customer service department, the provider doesn’t rank as highly as USAA and Geico. Still, we feel confident recommending Progressive for high-risk auto insurance. To learn more about the car insurance provider, check out our Progressive car insurance review.

 


 

Gecio Insurance logo

#2 Geico High-Risk Auto Insurance

Average annual cost estimate: $1,352

If you want your high-risk auto insurance premiums to remain at a minimum after an incident, check out the rates from Geico. The company provides some of the lowest rates among the industry’s most popular providers and excels at customer service. You also get some great added benefits with Geico, including:

  • Mechanical breakdown coverage
  • Roadside assistance
  • Rideshare insurance

Not only does Geico accept drivers with a variety of driving records, but the company also has an A+ rating from the Better Business Bureau (BBB). This score isn’t typical in the insurance industry and further proves that Geico stands by its customers. If there are complaints, Geico attempts to deal with the customers promptly and ensure satisfaction whenever possible.

Pros

Cons

Good rates for drivers with bad credit

Not as many local agents as some providers

Lots of added benefits

 

Easy quotes process

 

Good for students and military

 

Accident forgiveness

 

Roadside assistance

 

Looking at both of the J.D. Power studies discussed above, we see that Geico is regularly regarded as one of the top insurance providers. To learn more about the car insurance provider, check out our Geico review.

 


 

USAA Insurance logo

#3 USAA High-Risk Auto Insurance

Average annual cost estimate: $1,013

While USAA won’t cover everyone, you can find some of the lowest rates if you qualify. USAA is designed specifically for military personnel and their families. Not only can you get decent rates with poor credit, but the provider also covers young drivers. If you have a teenage driver in your home, this might be your best option.

Some additional perks offered by USAA include:

  • Roadside assistance
  • Rental car coverage
  • Glass coverage
  • Accident forgiveness
  • Car Replacement Assistance (CRA)
  • Gap coverage

Filing a claim is simple with the USAA mobile app. While no one wants to be in a situation where submitting a claim is necessary, it’s helpful to know that you shouldn’t have trouble if an accident occurs.

Pros

Cons

Low rates for high-risk drivers

Only available to military members and their families

High customer satisfaction scores

Might not cover all high-risk driving records

Superior coverage options for young drivers

 

Good for military families

 

USAA is also known for customer satisfaction. In J.D. Power’s 2020 U.S. Auto Insurance StudySM and the claims satisfaction survey noted above, USAA was the highest-scoring provider (although not included in the final results due to the exclusive nature of USAA insurance). To learn more about the car insurance provider, check out our USAA insurance review.

 


 

The General Insurance logo

#4 The General High-Risk Auto Insurance

Average annual cost estimate: N/A

The General is not quite as well-known as some of its biggest competitors, but the company nonetheless has a strong standing with industry leaders like the Better Business Bureau and AM Best.

Specializing in high-risk auto insurance, The General is able to insure even those with bad credit scores, at-fault accidents on record, and a collection of speeding tickets. Drivers considered members of the high-risk category can take advantage of discounts offered by the General, such as:

  • Homeowner's discount
  • Multi-car discount
  • Double deductible discount
  • Pay in full discount
  • New policyholder discount

The General makes it easy to get a quote, enroll in coverage, or obtain an SR-22. Other providers may offer a more extensive range of discounts, though these may not all be available to high-risk drivers.

Pros

Cons

Coverage for even the most high-risk drivers in 47 states

Higher-than-average customer complaints

Easy-to-use website

Not many discounts available

A+ rating from the BBB

 

Focus on low-cost insurance

 

Potential customers should note that The General does have a high number of complaints regarding its claims process and unexpected rate increases. Even still, the company is worth a look for high-risk drivers. You can learn more about this company by reading our full review of The General insurance.

 


 

State Farm Insurance logo

#5 State Farm High-Risk Auto Insurance

Average annual cost estimate: $1,339

State farm is the largest car insurance company in the United States, insuring more drivers than any other provider. In addition to offering the standard types of car insurance, State Farm customers can also purchase any of the following extras:

  • Rental and travel expense coverage
  • Rideshare coverage
  • State Farm roadside assistance

By taking advantage of numerous discount opportunities, such as the State Farm Drive Safe & SaveTM app, even high-risk drivers can find low-cost auto insurance.

Pros

Cons

Comprehensive coverage offerings

Reported errors with autopay

Extensive selection of discounts

Not available for new customers in Massachusetts or Rhode Island

Positive customer reviews

 

Easy online quotes process

 

A+ rating from the BBB

 

State Farm is not available to new customers in Massachusetts or Rhode Island, but for the many people who live elsewhere, the provider is worth a look. It's easy to get a quote online from State Farm's website. To learn more, read our State Farm auto insurance review.

 


 

What Is the Average Cost Of High-Risk Auto Insurance?

Because average car insurance prices vary based on so many factors, it’s challenging to specify the cost of high-risk auto insurance. If you look at the averages for your location, you can determine an effective estimate by increasing that rate based on the above criteria.

According to our rate estimates, the average 34-year-old driver who isn't categorized as high-risk pays about $1,732 per year for car insurance. However, they may pay as much as $3,191 for having bad credit and $3,188 for having a DUI. That's an increase of about 84%.

Since average car insurance rates by age vary widely, having an accident or DUI on your record can raise your rates in different amounts. What you pay also depends on your deductible and whether or not you have full coverage. There are also many different things that can make you a high-risk driver. What you can know for sure is that your car insurance premiums will increase by some amount.

Car Insurance Rates For Drivers With Bad Credit

According to our rate estimates, drivers with poor credit can pay as much as 84% more for high-risk auto insurance costs on average than drivers with good credit. However, if you live in California, Hawaii, or Massachusetts, your credit rating won't impact your score. 

Credit Rating Annual Car Insurance
Good $1,732
Fair $2,102
Poor $3,191
 

Car Insurance Rates For Bad Drivers

Moving violations, car accidents, and convictions can make your auto insurance policy much more expensive. According to our rate estimates, average high-risk auto insurance costs up to 53% more for having an accident and 84% more for having a DUI.  

Driving Violation Annual Car Insurance
Clean $1,732
Speeding Ticket $2,185
At-Fault Accident $2,644
DUI $3,188
 

Overall, the best way to get affordable car insurance is to get insurance quotes from various companies.

Use this tool or call (844) 246-8209 to start your search:

 
 

 


 

What Factors Make A High-Risk Driver?

Interestingly, your high-risk designation comes not only from what you do behind the wheel, but from several other factors as well. Let’s take a look at what increases your risk level with car insurance companies.

Driving Factors

Here are the major driving factors that will influence your car insurance premium.

Reason

Explanation

At-Fault Accidents

If you’ve filed an insurance claim because of an accident you caused, your rates will go up – especially if there was a bodily injury payout. Filing a claim usually results in a 20- to 40-percent increase.

Speeding Tickets

The more speeding violations you have, the higher your rates will rise. The amount also varies based on the severity of the incident. Speeding tickets are seen as precursors to accidents.

Reckless Driving

High-level moving violations, such as reckless driving, can lead to about a 16-percent increase in your premiums, according to idrivesafely.com.

Racing

There are many dangers associated with racing, which is why your insurance company will raise your premiums considerably if this is on your record. You’ll then have to purchase high-risk car insurance.

DUIs

A DUI often results in property damage, bodily injury payouts, and even death benefits. This situation puts you into one of the highest risk categories for insurers. A DUI stays on your insurance record for three to ten years and can raise your rate about six percent after the first incident.

 
 

Non-Driving Factors

Not everything that changes your car insurance premium is a result of what happens in your vehicle. Several non-driving factors will raise a red flag with the provider, too. You may need to shop for high-risk car insurance if any of the following apply:

Reason

Explanation

Bad Credit

Insurance companies analyze your credit to determine the type of driver you are. Almost all providers consider credit scores when calculating premiums. Lower scores often indicate that the driver is more likely to file a claim than someone with better credit.

Age

The younger you are, the more risk you bring to the provider. Teenage drivers are labeled as high-risk because of inexperience and a greater likelihood to file a claim. On the other hand, senior drivers are also seen as a high-risk, so premiums may increase as you grow older.

Insurance History

If you have a lapse in your insurance coverage, you raise red flags with providers. Making sure coverage never lapses allows you to prove your responsibility to the companies and avoid having to purchase high-risk auto insurance.

Location

Insurance is almost always priced based on zip code. Your location impacts rates because of traffic, accident rates, theft rates, and state-mandated coverage terms.

Use of Vehicle

Car insurance premiums go up based on how you use your vehicle. If you are driving for a rideshare organization or commercially, you are going to have higher rates, if the provider will even cover you at all.

Type of Vehicle

High-performance vehicles create an added risk for auto insurance companies. In addition, you may see an increase in rates if you drive an off-road vehicle or have high-priced components on the car.

 
 

 


 

What Are License Points?

The majority of states rely on a license point system to keep track of your driving record. Each state has its own points system, but every violation gets tied to a particular number. These points remain on your driving record for a determined period of time. If you accumulate too many points, you can lose your license.

While most insurance companies don’t usually look at the points directly, your Motor Vehicle Report will show all of the tickets, moving violations, and infractions against you. Providers use this information to help determine your premium cost.

 


 

What Is An SR-22?

The SR-22 certification is filed with your state and isn’t an insurance type. An SR-22 certificate assures that the person named carries the minimum state-mandated car insurance. Your insurance company provides this certificate to the state to guarantee that you have financial coverage for an accident.

Most people that are required to have an SR-22 are drivers with a DUI on their record, but it can also be required for the following reasons:

  • DWI or driving under the influence of a controlled substance 
  • Major alcohol violation
  • Some moving violations, such as negligent or reckless driving
  • Numerous traffic violations in a short time
  • Previously driving without insurance
  • Previously involved in an accident without insurance
  • Probationary license
  • Reinstated license after suspension or revocation

Most companies charge a one-time fee for an SR-22, so this shouldn’t increase your rate directly.

 


 

How To Save Money On High-Risk Auto Insurance

If you have violations on your driving record or poor credit history, there are still steps you can take to lower your premium for high-risk auto insurance.

  • Avoid filing claims: Every time you file a claim, you receive a penalty with the insurance company. Depending on how much the damage costs, you might end up paying more over the next few years through the premium in comparison to simply paying for the damages yourself. It’s often wise to keep savings aside for these unforeseen circumstances.
  • Take a driving course: Taking a course on good driving habits before the insurance company receives a report of your speeding ticket or moving violation, you might temporarily lower rates. Most insurance companies won’t count this discount once the ticket is reported, so that’s something to keep in mind when you fall into the high-risk auto insurance category.
  • Boost your credit score: Car insurance premiums go down significantly just for having good credit. Aside from that, you get better financing rates for vehicles, homes, and everything else you purchase. Work on improving your credit score by making payments on time, and you will end up with more money in your pocket.
  • Shop after the violations expire: If you know when violations will be removed from your record, you know when to contact insurance companies. Even though your policy probably auto-renews at a particular time, you can ask for your insurance company to re-evaluate your rate early. An insurance company isn’t going to do this automatically, so don’t forget to ask so you can avoid paying for high-risk auto insurance again.
  • Choose a different vehicle: While everyone should be conscious of their choices in vehicles, those with high-risk insurance need to think about it even more. Some cars are notoriously cheap to insure, so you can lower your rates by considering a particular model. It might help to drive a minivan or family-oriented SUV for now.
  • Take a break from the car: If you are going to pay too much for car insurance, maybe you should consider ditching the vehicle for a while. You can always use a rideshare service, bicycle, or public transportation. This decision is a reasonable solution if you can’t afford premiums and have no other options.

 


 

Prevention Is The Best Way To Avoid High Rates

If you want the best rates on auto insurance, you should think about the following habits before you find yourself in trouble:

  • Maintain a good credit score
  • Drive a car that is cheap to insure
  • Take defensive driving courses
  • Drive the speed limit
  • Avoid filing insurance claims in some situations
  • Never drink and drive

For those who have already been designated high-risk, the best way to find the most affordable high-risk auto insurance is to shop around. Not every company charges for risk factors the same way, so it helps to know what your options are. We recommend getting quotes from several top providers to see who can offer you the best coverage at the lowest rate.

To collect and compare car insurance quotes from providers available in your state, call our team at (844) 246-8209 or use this tool:

 

 


 

FAQ: High-Risk Auto Insurance

What age is considered high risk for auto insurance? 

Drivers under the age of 25 typically pay more for car insurance coverage because they're at higher risk of an accident. Rates tend to drop as you get older, but you can also lower premiums by asking about discounts and dropping unnecessary coverage.

How much does high-risk auto insurance cost?

Since there are many different types of high-risk qualifications, it’s hard to provide a single average cost of high-risk auto insurance. We found drivers not classified as high-risk pay around $1,700 per year for full coverage. By comparison, high-risk drivers could pay hundreds to thousands of dollars more per year.  

Which providers sell high-risk auto insurance?

Many providers sell high-risk car insurance. In fact, Progressive started by providing insurance to risky drivers. In addition, Geico, State Farm, and The General are major insurers of high-risk drivers. Some other sellers of high-risk auto insurance include Dairyland and Infinity.

Who has the cheapest high-risk auto insurance?

We named Progressive the best auto insurance company for high-risk drivers for its affordable rates and extensive coverage. Geico and State Farm also provide excellent high-risk car insurance policies.

What is considered high-risk insurance?

High-risk insurance will provide you with the same coverage as insurance that other drivers purchase, but you will pay higher premiums. Drivers with an increased risk of getting into an accident or not paying their insurance premium may be required to purchase high-risk auto insurance.

How many points is considered high-risk?

Generally speaking, you'll be a high-risk driver if you have over six points on your record. At that point, you might not qualify for standard insurance. However, all driving points raise your rate.

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

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