Cheapest Car Insurance for High-Risk Drivers


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Insurance companies evaluate different risk factors when setting rates, and premiums vary significantly based on your specific situation. Whether you're a young driver, have a history of accidents or speeding tickets, a DUI conviction on your record, or have poor credit, certain insurers offer better rates for each risk category. This guide highlights the most affordable options offered by our top-rated providers for every high-risk profile to help you find suitable coverage at the best price.

Key Takeaways

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State Farm and Progressive offer the most affordable coverage after a DUI, with premiums only 63-78% higher than for drivers with clean records.

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American Family charges just $691 annually after accidents, while State Farm increases rates only 20% after speeding tickets compared to the industry's 45% average.

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State Farm offers the cheapest rates for drivers with poor credit, averaging $1,447 annually for full coverage or $121 monthly.

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Cheapest High-Risk Car Insurance Companies

State Farm offers the most affordable high-risk driver insurance at $1,459 annually for full coverage, with Travelers ranking second at $1,649 per year. American Family provides the most affordable minimum coverage policies at just $1,183 annually. These rates are significantly lower than the national average of $2,160 for drivers with a DUI, speeding ticket, a recent accident, and young drivers. The table below compares rates from our top providers for different coverage types and ages.

Data filtered by:Results filtered by:
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Age:25
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Coverage:Full Coverage
TravelersFull Coverage$159$1,90763
State FarmFull Coverage$167$2,00056
AllstateFull Coverage$201$2,41656
NationwideFull Coverage$204$2,44353
FarmersFull Coverage$201$2,40752
ProgressiveFull Coverage$182$2,18452
GEICOFull Coverage$211$2,52750

Cheapest Auto Insurance for High-Risk Drivers by Risk Factor

Based on our analysis, Travelers excels with unique accident forgiveness even after serious violations, State Farm offers exceptional affordability with stable discounts, and Allstate's vanishing deductible program rewards improving drivers. The following sections offer valuable insights for those looking for the best affordable high-risk insurance coverage.

Cheapest Car Insurance After a DUI Conviction

State Farm delivers the most affordable insurance for drivers with DUI convictions at an average of $4,890 per year or $408 monthly. Progressive offers the second-lowest rates at $3,291 annually, saving DUI drivers $1,422 compared to alternatives like GEICO. Compare quotes carefully, as some insurers DUI rates increase premiums less than others after a DUI offenses. Premium increases generally at least 3 years and increasing premiums by 73 percent on average depending on your state.

Data filtered by:Results filtered by:
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Age:40
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Coverage:State Minimum Liability Only
AlabamaState FarmState Minimum Liability Only$39$472
AlaskaUmialik InsuranceState Minimum Liability Only$42$501
ArizonaProgressiveState Minimum Liability Only$54$643
ArkansasState FarmState Minimum Liability Only$33$398
CaliforniaCSAAState Minimum Liability Only$50$603
ColoradoProgressiveState Minimum Liability Only$42$505
ConnecticutState FarmState Minimum Liability Only$81$973
DelawareState FarmState Minimum Liability Only$82$982
District of ColumbiaChubbState Minimum Liability Only$64$773
FloridaState FarmState Minimum Liability Only$66$787
GeorgiaCountry FinancialState Minimum Liability Only$69$824
HawaiiState FarmState Minimum Liability Only$34$413
IdahoState FarmState Minimum Liability Only$21$252
IllinoisMercuryState Minimum Liability Only$39$462
IndianaProgressiveState Minimum Liability Only$30$362
IowaProgressiveState Minimum Liability Only$19$230
KansasProgressiveState Minimum Liability Only$41$492
KentuckyState FarmState Minimum Liability Only$53$637
LouisianaLouisiana Farm BureauState Minimum Liability Only$56$668
MaineProgressiveState Minimum Liability Only$29$348
MarylandState FarmState Minimum Liability Only$64$772
MassachusettsHanoverState Minimum Liability Only$35$416
MichiganChubbState Minimum Liability Only$56$668
MinnesotaState FarmState Minimum Liability Only$44$526
MississippiState FarmState Minimum Liability Only$30$358
MissouriProgressiveState Minimum Liability Only$43$521
MontanaState FarmState Minimum Liability Only$15$184
NebraskaAmerican National P&CState Minimum Liability Only$27$327
NevadaProgressiveState Minimum Liability Only$75$898
New HampshireHanoverState Minimum Liability Only$24$283
New JerseyPlymouth Rock AssuranceState Minimum Liability Only$53$635
New MexicoProgressiveState Minimum Liability Only$32$385
New YorkProgressiveState Minimum Liability Only$64$765
North CarolinaNational GeneralState Minimum Liability Only$69$828
North DakotaAmerican FamilyState Minimum Liability Only$29$347
OhioAmerican FamilyState Minimum Liability Only$26$307
OklahomaProgressiveState Minimum Liability Only$31$370
OregonCountry FinancialState Minimum Liability Only$52$624
PennsylvaniaTravelersState Minimum Liability Only$38$460
Rhode IslandState FarmState Minimum Liability Only$42$508
South CarolinaAmerican National P&CState Minimum Liability Only$48$574
South DakotaState FarmState Minimum Liability Only$25$295
TennesseeProgressiveState Minimum Liability Only$39$462
TexasProgressiveState Minimum Liability Only$53$634
UtahProgressiveState Minimum Liability Only$46$547
VermontState FarmState Minimum Liability Only$20$236
VirginiaVirginia Farm BureauState Minimum Liability Only$36$438
WashingtonPEMCOState Minimum Liability Only$33$401
West VirginiaState FarmState Minimum Liability Only$50$597
WisconsinWestern NationalState Minimum Liability Only$25$296
WyomingState FarmState Minimum Liability Only$19$233
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MONEYGEEK EXPERT TIP

If you have serious violations on your driving record, you may need to file an SR-22 or FR-44. The FR-44 applies only in Florida and Virginia. These certificates of financial responsibility prove you have the minimum required car insurance in your state. They allow you to get high-risk insurance, also known as non-standard car insurance. While these policies cost more, there are many ways to save.

For drivers who don't own a vehicle but still need coverage with an SR-22 filing, our guide to non-owner SR-22 insurance explains how to meet state requirements at the lowest possible cost.

Cheapest Car Insurance After a Speeding Ticket

State Farm offers the lowest rates for drivers with speeding tickets at an average of $634 annually, saving $162 compared to the next cheapest option. This represents only a 20% increase over rates for drivers with clean records, significantly below the industry average increase of 45%. Drivers with multiple tickets should compare quotes carefully, as rates escalate more dramatically with each additional violation.

Data filtered by:Results filtered by:
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Age:40
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Coverage:State Minimum Liability Only
AlabamaCincinnati InsuranceState Minimum Liability Only$23$270
AlaskaUmialik InsuranceState Minimum Liability Only$42$501
ArizonaAuto-Owners Insurance CoState Minimum Liability Only$51$608
ArkansasSouthern Farm BureauState Minimum Liability Only$30$357
CaliforniaCSAAState Minimum Liability Only$18$216
ColoradoAmerican National P&CState Minimum Liability Only$31$378
ConnecticutGEICOState Minimum Liability Only$43$518
DelawareTravelersState Minimum Liability Only$47$564
District of ColumbiaChubbState Minimum Liability Only$34$404
FloridaState FarmState Minimum Liability Only$66$787
GeorgiaAuto-Owners Insurance CoState Minimum Liability Only$41$496
HawaiiGEICOState Minimum Liability Only$23$275
IdahoState FarmState Minimum Liability Only$21$252
IllinoisHanoverState Minimum Liability Only$27$326
IndianaWestfieldState Minimum Liability Only$26$306
IowaState FarmState Minimum Liability Only$21$252
KansasTravelersState Minimum Liability Only$42$505
KentuckyCincinnati InsuranceState Minimum Liability Only$30$358
LouisianaLouisiana Farm BureauState Minimum Liability Only$46$550
MaineVermont MutualState Minimum Liability Only$26$310
MarylandState FarmState Minimum Liability Only$64$772
MassachusettsState FarmState Minimum Liability Only$22$263
MichiganWestfieldState Minimum Liability Only$44$533
MinnesotaWestfieldState Minimum Liability Only$29$344
MississippiState FarmState Minimum Liability Only$30$358
MissouriProgressiveState Minimum Liability Only$49$586
MontanaState FarmState Minimum Liability Only$15$184
NebraskaAmerican National P&CState Minimum Liability Only$21$248
NevadaNationwideState Minimum Liability Only$53$639
New HampshireHanoverState Minimum Liability Only$19$229
New JerseyGEICOState Minimum Liability Only$51$614
New MexicoProgressiveState Minimum Liability Only$35$418
New YorkProgressiveState Minimum Liability Only$63$758
North CarolinaNorth Carolina Farm BureauState Minimum Liability Only$32$387
North DakotaAmerican FamilyState Minimum Liability Only$29$347
OhioAuto-Owners Insurance CoState Minimum Liability Only$24$292
OklahomaMercuryState Minimum Liability Only$35$422
OregonCountry FinancialState Minimum Liability Only$47$564
PennsylvaniaWestfieldState Minimum Liability Only$21$250
Rhode IslandState FarmState Minimum Liability Only$42$508
South CarolinaAmerican National P&CState Minimum Liability Only$42$509
South DakotaFarmers Mutual of NebraskaState Minimum Liability Only$18$221
TennesseeTennessee Farm BureauState Minimum Liability Only$28$337
TexasTexas Farm BureauState Minimum Liability Only$28$339
UtahFarmers Union InsuranceState Minimum Liability Only$42$508
VermontState FarmState Minimum Liability Only$20$236
VirginiaAuto-Owners Insurance CoState Minimum Liability Only$40$476
WashingtonPEMCOState Minimum Liability Only$24$287
West VirginiaWestfieldState Minimum Liability Only$37$442
WisconsinWestern NationalState Minimum Liability Only$25$296
WyomingState FarmState Minimum Liability Only$19$233

Cheapest Car Insurance After an Accident

American Family provides the most affordable insurance after an accident at $691 annually for full coverage, followed by State Farm at $784 per year. For young drivers ages 25 and under with an accident, Vermont Mutual offers the lowest rates at $601 annually in states where it operates.

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Age:40
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Coverage:State Minimum Liability Only
AlabamaCincinnati InsuranceState Minimum Liability Only$34$402
AlaskaUmialik InsuranceState Minimum Liability Only$42$501
ArizonaTravelersState Minimum Liability Only$57$681
ArkansasHanoverState Minimum Liability Only$34$411
CaliforniaCSAAState Minimum Liability Only$18$216
ColoradoAmerican National P&CState Minimum Liability Only$37$448
ConnecticutGEICOState Minimum Liability Only$54$651
DelawareTravelersState Minimum Liability Only$46$548
District of ColumbiaChubbState Minimum Liability Only$42$500
FloridaState FarmState Minimum Liability Only$71$858
GeorgiaAuto-Owners Insurance CoState Minimum Liability Only$53$639
HawaiiGEICOState Minimum Liability Only$35$419
IdahoState FarmState Minimum Liability Only$23$277
IllinoisAmerican FamilyState Minimum Liability Only$40$474
IndianaAmerican FamilyState Minimum Liability Only$34$412
IowaState FarmState Minimum Liability Only$23$277
KansasAuto-Owners Insurance CoState Minimum Liability Only$36$430
KentuckyTravelersState Minimum Liability Only$49$589
LouisianaLouisiana Farm BureauState Minimum Liability Only$51$613
MaineVermont MutualState Minimum Liability Only$26$310
MarylandState FarmState Minimum Liability Only$73$876
MassachusettsState FarmState Minimum Liability Only$31$373
MichiganWestfieldState Minimum Liability Only$54$647
MinnesotaWestfieldState Minimum Liability Only$35$426
MississippiState FarmState Minimum Liability Only$34$411
MissouriTravelersState Minimum Liability Only$52$628
MontanaState FarmState Minimum Liability Only$17$202
NebraskaAmerican National P&CState Minimum Liability Only$24$291
NevadaNationwideState Minimum Liability Only$73$878
New HampshireHanoverState Minimum Liability Only$22$268
New JerseyPlymouth Rock AssuranceState Minimum Liability Only$60$718
New MexicoState FarmState Minimum Liability Only$41$487
New YorkProgressiveState Minimum Liability Only$61$729
North CarolinaNorth Carolina Farm BureauState Minimum Liability Only$30$354
North DakotaAmerican FamilyState Minimum Liability Only$26$307
OhioAmerican FamilyState Minimum Liability Only$26$313
OklahomaState FarmState Minimum Liability Only$39$465
OregonCountry FinancialState Minimum Liability Only$44$527
PennsylvaniaWestfieldState Minimum Liability Only$19$228
Rhode IslandAmica MutualState Minimum Liability Only$41$491
South CarolinaAmerican National P&CState Minimum Liability Only$42$509
South DakotaFarmers Mutual of NebraskaState Minimum Liability Only$22$269
TennesseeTennessee Farm BureauState Minimum Liability Only$28$337
TexasState FarmState Minimum Liability Only$46$558
UtahAmerican FamilyState Minimum Liability Only$51$609
VermontVermont MutualState Minimum Liability Only$20$236
VirginiaAuto-Owners Insurance CoState Minimum Liability Only$35$425
WashingtonPEMCOState Minimum Liability Only$27$321
West VirginiaWestfieldState Minimum Liability Only$46$558
WisconsinWestern NationalState Minimum Liability Only$25$296
WyomingState FarmState Minimum Liability Only$21$255
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MONEYGEEK EXPERT TIP

High-risk drivers with accidents should prioritize companies that offer accident forgiveness programs. State Farm requires nine years of clean driving to qualify, while Progressive offers immediate accident forgiveness through its Snapshot program for eligible drivers.

Cheapest Car Insurance for Young High-Risk Drivers

State Farm and GEICO offer the most affordable insurance options for young high-risk drivers, with rates varying by age, with eighteen year olds paying 118% more when classified as high risk compared to their forty year old peers. Young drivers pay significantly more than adults due to their limited experience and higher statistical risk of accidents.  You can see how age affects the cost of high-risk auto insurance below:

16State Farm$311$3,732$226$2,718
17State Farm$276$3,312$224$2,685
18State Farm$247$2,966$203$2,431
19State Farm$211$2,531$172$2,066
20State Farm$189$2,272$181$2,170
21GEICO$152$1,824$132$1,582
22GEICO$141$1,692$134$1,604
23GEICO$127$1,529$138$1,658
24GEICO$121$1,452$130$1,565
25GEICO$111$1,336$117$1,406
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MONEYGEEK EXPERT TIP

In most states, it’s illegal for teens under 18 to buy auto insurance without an adult co-signer. To lower insurance costs for students, consider driving a vehicle with a strong safety rating, being added to a family policy, utilizing tempatics programs, and getting a good student discount helps young drivers save.

Cheapest Car Insurance for Drivers with Poor Credit

State Farm provides the most affordable coverage for drivers with poor credit in 21 states, followed by American Family with the lowest rates in 8 states. On average, drivers with poor credit pay $2,260 more annually — nearly three times as much as those with good credit.

Data filtered by:Results filtered by:
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Age:40
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Coverage:State Minimum Liability Only
AlabamaCincinnati InsuranceState Minimum Liability Only$34$409
AlaskaUmialik InsuranceState Minimum Liability Only$42$501
ArizonaState FarmState Minimum Liability Only$56$667
ArkansasSouthern Farm BureauState Minimum Liability Only$33$399
CaliforniaCSAAState Minimum Liability Only$29$345
ColoradoAmerican National P&CState Minimum Liability Only$37$445
ConnecticutGEICOState Minimum Liability Only$73$875
DelawareTravelersState Minimum Liability Only$59$709
District of ColumbiaChubbState Minimum Liability Only$47$559
FloridaState FarmState Minimum Liability Only$68$811
GeorgiaAuto-Owners Insurance CoState Minimum Liability Only$59$703
HawaiiState FarmState Minimum Liability Only$36$426
IdahoState FarmState Minimum Liability Only$22$260
IllinoisHanoverState Minimum Liability Only$38$462
IndianaAmerican FamilyState Minimum Liability Only$34$407
IowaState FarmState Minimum Liability Only$22$260
KansasAmerican FamilyState Minimum Liability Only$43$518
KentuckyTravelersState Minimum Liability Only$50$599
LouisianaLouisiana Farm BureauState Minimum Liability Only$51$610
MaineProgressiveState Minimum Liability Only$35$424
MarylandState FarmState Minimum Liability Only$67$807
MassachusettsState FarmState Minimum Liability Only$30$361
MichiganChubbState Minimum Liability Only$56$668
MinnesotaWestfieldState Minimum Liability Only$42$504
MississippiState FarmState Minimum Liability Only$31$375
MissouriProgressiveState Minimum Liability Only$52$627
MontanaState FarmState Minimum Liability Only$16$190
NebraskaAmerican National P&CState Minimum Liability Only$24$289
NevadaMercuryState Minimum Liability Only$74$886
New HampshireHanoverState Minimum Liability Only$22$260
New JerseyPlymouth Rock AssuranceState Minimum Liability Only$55$663
New MexicoProgressiveState Minimum Liability Only$36$433
New YorkProgressiveState Minimum Liability Only$63$750
North CarolinaNorth Carolina Farm BureauState Minimum Liability Only$48$578
North DakotaAmerican FamilyState Minimum Liability Only$28$333
OhioAmerican FamilyState Minimum Liability Only$26$309
OklahomaState FarmState Minimum Liability Only$36$437
OregonCountry FinancialState Minimum Liability Only$48$571
PennsylvaniaTravelersState Minimum Liability Only$36$433
Rhode IslandState FarmState Minimum Liability Only$42$508
South CarolinaAmerican National P&CState Minimum Liability Only$44$531
South DakotaFarmers Mutual of NebraskaState Minimum Liability Only$24$289
TennesseeTennessee Farm BureauState Minimum Liability Only$33$401
TexasTexas Farm BureauState Minimum Liability Only$47$564
UtahProgressiveState Minimum Liability Only$53$632
VermontState FarmState Minimum Liability Only$20$243
VirginiaVirginia Farm BureauState Minimum Liability Only$40$485
WashingtonPEMCOState Minimum Liability Only$28$336
West VirginiaState FarmState Minimum Liability Only$51$615
WisconsinWestern NationalState Minimum Liability Only$25$296
WyomingState FarmState Minimum Liability Only$20$240
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MONEYGEEK EXPERT TIP

California, Hawaii, Massachusetts and Michigan prohibit using credit as a rating factor. In other states, improving your credit score through on-time payments and reducing debt can substantially lower your premiums. For immediate savings, request quotes from multiple providers as some insurers weigh credit factors less heavily in their pricing models.

Cheapest Auto Insurance for High-Risk Drivers by State

Insurance rates for high-risk drivers vary dramatically by location. State Farm is the best option in 13 states based on affordability and quality ratings, while American Family provides excellent value in 12 states. 

Western National and Cincinnati Insurance are leaders in regional markets with rates as much as 40% below national averages for drivers with accidents or tickets. You can find the best and cheapest insurance providers in your state by using the table below:

AlabamaTravelers$168$2,018
AlaskaGEICO$164$1,962
ArizonaTravelers$143$1,720
ArkansasFarmers$148$1,779
ColoradoGEICO$200$2,397
ConnecticutGEICO$127$1,523
DelawareUSAA$149$1,784
District of ColumbiaUSAA$222$2,668
FloridaGEICO$200$2,399
GeorgiaGEICO$160$1,924
IdahoAuto-Owners Insurance Co$115$1,376
IllinoisTravelers$142$1,701
IndianaUSAA$147$1,767
IowaTravelers$141$1,692
KansasNationwide$162$1,947
KentuckyTravelers$193$2,317
LouisianaUSAA$237$2,849
MaineConcord Group$106$1,270
MarylandProgressive$167$2,005
MichiganProgressive$268$3,218
MinnesotaNationwide$194$2,330
MississippiUSAA$184$2,211
MissouriUSAA$143$1,716
MontanaProgressive$143$1,718
NebraskaAllstate$188$2,258
NevadaCapital Insurance Group$140$1,682
New HampshireConcord Group$94$1,130
New JerseyProgressive$266$3,189
New MexicoNationwide$167$2,009
New YorkKemper$182$2,190
North CarolinaNationwide$113$1,360
North DakotaUSAA$119$1,425
OhioNationwide$116$1,392
OklahomaUSAA$183$2,195
OregonNationwide$135$1,617
PennsylvaniaUSAA$143$1,710
Rhode IslandState Farm$163$1,953
South CarolinaUSAA$174$2,089
South DakotaAllstate$171$2,056
TennesseeFarmers$132$1,585
TexasAllstate$222$2,665
UtahFarmers$185$2,217
VermontConcord Group$120$1,441
VirginiaNationwide$134$1,613
WashingtonUSAA$79$952
West VirginiaNationwide$165$1,978
WisconsinTravelers$119$1,432
WyomingFarmers$133$1,598

Best Cheap High-Risk Car Insurance Company Reviews

Finding affordable coverage as a high-risk driver requires research and careful comparison of options. After our comprehensive evaluation, we identified State Farm as the best overall provider with rates starting at $1,459 annually for full coverage, while Travelers earned the highest MoneyGeek score of 63 out of 100 for its exceptional coverage options.

Travelers: Best High-Risk Coverage Options

Company logo for Travelers
Travelers
MoneyGeek Score:
63/ of 100

Customer Satisfaction4
Claims Score3
Affordability Score2
Coverage Score4
Stability Score5
Overview

Topping our rankings with an impressive MoneyGeek score of 63, Travelers excels across critical metrics with industry-leading positions in coverage options, claims handling, and financial stability. The insurer's average premium of $1,649 annually demonstrates remarkable value, ranking second in affordability while delivering dramatically fewer customer complaints than competitors with 64% fewer issues reported than the industry norm.

Comprehensive protection defines Travelers' approach to high-risk drivers, with specialized features like gap insurance and accident forgiveness unavailable from many competitors. The company's early quote discount provides strategic advantages for drivers planning insurance transitions after violations, while its continuous coverage rewards create stability during the often turbulent high-risk coverage period.

Discounts Offered

Travelers provides a unique early quote discount that helps high-risk drivers plan their insurance transition strategically. Its continuous insurance discount rewards commitment to maintaining coverage without lapses, a crucial factor in gradually reducing high-risk classification.

Travelers' discount selection could help tailor your coverage costs, it's worth exploring to see how your premium might benefit:

  • Multi-policy: Save up to 13% by bundling auto with home, renters or umbrella insurance
  • Safe driver: Earn discounts by maintaining a clean driving record for 3-5 years
  • Continuous insurance: Receive lower rates by maintaining uninterrupted coverage
  • New car: Qualify for up to 10% discount when insuring a car less than three years old
  • Early quote: Save when you get a quote before your current policy expires

State Farm: Best Overall Value for High-Risk Drivers

Company logo for State Farm
State Farm
MoneyGeek Score:
56/ of 100

Customer Satisfaction4
Claims Score2
Affordability Score1
Coverage Score3
Stability Score5
Overview

State Farm offers an impressive balance of quality and affordability that makes it our top overall recommendation for budget-conscious high-risk drivers. It earns a solid MoneyGeek score of 57, offering the most affordable coverage for high-risk drivers at just $1,459 annually, that's 40% below the other competitors in our top five list. While it provides fewer specialized options than higher-rated Travelers, its exceptional customer satisfaction ratings shine with 30% fewer complaints than industry averages and the insurer specializes in SR-22 filing services seamlessly accommodating drivers with serious violations, making the transition to high-risk status less stressful.

Discounts Offered

State Farm offers high-risk drivers multiple paths to lower premiums through both behavior and policy choices. Its Drive Safe & Save program provides immediate savings for demonstrating safe driving habits, while its multi-policy discounts help offset the higher costs typically associated with high-risk classifications.

Here's how much you can save with each State Farm discount:

  • Safety features: Save up to 15% for vehicles with airbags, anti-lock brakes, anti-theft systems and daytime running lights
  • Drive Safe & Save: Earn up to 30% off by allowing monitoring of your current driving habits through a mobile app
  • Steer Clear program: Young drivers can save up to 15% by completing this special training program
  • Multiple vehicles: Save 20% by insuring more than one vehicle on the same policy
  • Policy bundling: Combine auto with home, renters, or life insurance for savings of 17% on average

Allstate: Best For Bundling Discounts

Company logo for Allstate
Allstate
MoneyGeek Score:
56/ of 100

Customer Score3
Claims Score2
Affordability Score2
Coverage Score4
Stability Score4
Overview

Ranking third overall with a MoneyGeek score of 56, Allstate creates distinctive advantages for homeowners facing driving challenges through powerful multi-policy incentives. Its coverage options match industry leaders while offering competitive affordability despite weaker claims performance compared to top competitors.

Allstate's personalized redemption roadmap distinguishes it from other high-risk options. The industry's most robust vanishing deductible program, coupled with comprehensive accident forgiveness, creates clear financial incentives for improvement, while its extensive local agent network provides face-to-face guidance through the complex high-risk landscape that online-only providers simply cannot match.

Discounts Offered

Allstate's Drivewise program offers the most frequent reward opportunities for high-risk drivers, with feedback and potential savings calculated every six months. Its early signing discount is particularly beneficial for those planning to switch from a high-risk specialist insurer back to a standard carrier. You can see all the saving opportunities Allstate offers below:

  • Bundling: Save up to 25% when combining auto with home, renters, or life insurance
  • Drivewise: Earn up to 40% back based on safe driving behaviors
  • Smart student: Discounts for good grades, completing driver's education, and attending school away from home
  • New car: Save on comprehensive and collision coverage for newer vehicles
  • Early signing: Get discounts by switching to Allstate at least 7 days before your current policy expires

Nationwide: Best for Drivers With Poor Credit

Company logo for Nationwide
Nationwide
MoneyGeek Score:
53/ of 100

Customer Satisfaction3
Claims Score2
Affordability Score1
Coverage Score4
Stability Score4
Overview

For drivers battling credit challenges, Nationwide's MoneyGeek score of 53 represents a balanced approach focusing on coverage breadth rather than penalizing financial history. Though premiums averaging $1,784 place them midrange for affordability, their rating algorithms uniquely separate driving performance from credit factors, providing relief unavailable from many insurers.

Nationwide's telematics program  SmartRide bases rates solely on current driving habits rather than past mistakes or financial history, creating dual paths for rehabilitation through both improved driving and credit repair.

Discounts Offered

Your insurance costs can be substantially lowered by taking advantage of the various discount programs Nationwide provides:

  • SmartRide program: Save up to 40% based on safe driving habits
  • Multi-policy: Bundle auto with home or renters insurance for additional savings
  • Accident-free: Maintain a clean driving record for premium reductions
  • Defensive driving: Complete an approved course for potential discounts
  • Good student: Discounts for students maintaining at least a B average

Farmers: Best for Young High-Risk Drivers

Company logo for Farmers
Farmers
MoneyGeek Score:
52/ of 100

Customer Satisfaction3
Claims Score2
Affordability Score1
Coverage Score4
Stability Score3
Overview

Farmers' MoneyGeek score of 53 showcases the insurer's strategic focus on youth-friendly coverage and customer satisfaction. Despite a lower affordability score, the company's specialized programs for inexperienced drivers provide forgiving rate structures that acknowledge the learning curve associated with developing driving skills.

Parents of high-risk teen drivers particularly value Farmers' unique approach to education and rehabilitation. Its Signal app creates transparent feedback loops that teach better habits while simultaneously reducing premiums, and its first-offense forgiveness program acknowledges that new drivers deserve second chances without devastating financial penalties.

Discounts Offered

Farmers provides specialized discounts for younger drivers that continue to apply even after minor infractions. See which discounts Farmers offers specifically to help lower premiums for drivers under 25:

  • Young Driver: Reduced rates for drivers under 25 who complete safety courses
  • Good Student: Premium reductions for maintaining a B average or better
  • Away at School: Discounts for students attending college over 100 miles from home
  • Electronic payments: Save by setting up automatic payments
  • Signal app: Track driving behaviors to earn additional discounts

Progressive: Best For Drivers With a DUI Conviction

Company logo for Progressive
Progressive
MoneyGeek Score:
52/ of 100

Customer Satisfaction3
Claims Score2
Affordability Score0
Coverage Score4
Stability Score4
Overview

With a MoneyGeek score of 53, Progressive stands out for its specialized approach to DUI violations and serious infractions. High-risk drivers particularly benefit from Progressive's uniquely transparent pricing model and violation-specific policies.

Despite ranking 7th in affordability with premiums averaging $1,950 annually, the insurer's industry-leading coverage options and strong claims handling capabilities create substantial value for drivers with checkered records.

Discounts Offered

Progressive rewards current safe driving regardless of past infractions through its innovative Snapshot program. Discover how this and other discount opportunities can substantially lower your high-risk premiums below:

  • Name Your Price tool: Find policies that fit your budget by specifying what you can afford
  • Snapshot program: Save up to 30% based on your actual driving habits
  • Multi-policy: Bundle auto with home or renters insurance for additional savings
  • Continuous insurance: Maintain coverage without interruption for lower rates
  • Paperless billing: Save by managing your policy online and receiving electronic documents

Geico: Best For High-Risk Military Members and Family

Company logo for GEICO
GEICO
MoneyGeek Score:
50/ of 100

Customer Satisfaction4
Claims Score2
Affordability Score0
Coverage Score3
Stability Score5
Overview

GEICO's MoneyGeek score of 50 reflects challenges in overall affordability, balanced by perfect financial stability and superior customer satisfaction, ranking third out of all of the high-risk companies we reviewed. For military families with driving infractions, this insurer stands out, offering specialized discounts approximately 15% below typical high-risk rates for service members.

The company's emergency deployment provisions and military-specific policy features demonstrate a commitment to armed forces personnel that few competitors match. GEICO's streamlined mobile claims technology proves particularly valuable for service members with driving violations stationed abroad or facing deployment uncertainties.

Discounts Offered

GEICO provides specialized discounts that benefit high-risk drivers with military backgrounds or federal employment. Its emergency deployment discount is particularly valuable for service members who may experience coverage interruptions during overseas assignments.

Discover the potential savings waiting for you through GEICO's variety of discount opportunities:

  • Military: Up to 15% for active duty, retired, and National Guard members
  • Emergency deployment: Additional savings during overseas deployments
  • Federal employee: Discounts for government workers
  • Membership: Savings through affiliated organizations and alumni associations
  • Vehicle safety: Reduced rates for anti-theft devices and safety features

How to Get Cheap Car Insurance for High-Risk Drivers

Our research shows that strategic shopping and taking advantage of available programs can save high-risk drivers up to 40% on annual premiums. Whether you're already classified as a high-risk driver or want to avoid falling into that category, you can take specific actions to significantly reduce your insurance costs:

  1. 1

    Review and compare policies regularly

    Our research shows rate differences of up to 35% between companies for identical driver profiles. Get at least five quotes when shopping for high-risk coverage. As your circumstances change, compare car insurance policies to find the best rates for your needs.

  2. 2

    Drive safely moving forward

    Maintaining a clean record after violations can help you qualify for gradually improving rates. Most companies reduce surcharges after 6-12 months of violation-free driving, and violations typically fall off your record after three years.

  3. 3

    Improve your credit history

    In most states, improving your credit score can significantly lower premiums. Making on-time payments, reducing credit card balances, and disputing inaccuracies in your credit report can yield insurance savings of 15-20% within 6-12 months. For immediate options, check our guide to car insurance for drivers with bad credit.

  4. 4

    Take a defensive driving course

    Many insurance companies offer discounts of 5-15% to those who complete an approved defensive driving course. These programs typically cost $25-$75 and can be completed online in most states. Note that SR-22 and FR-44 filers won't see lower premiums until the filing period is over.

  5. 5

    Consider usage-based insurance programs

    Telematics programs like Progressive's Snapshot, Allstate's Drivewise, or State Farm's Drive Safe & Save monitor your current driving habits and can reduce premiums by 10-40% for demonstrated safe driving, regardless of past infractions.

  6. 6

    Explore all available discounts

    Even high-risk drivers qualify for discounts unrelated to driving history, including:

    • Paperless billing and automatic payment options typically yield 5-10% savings on premiums
    • Multi-policy bundling offers the most substantial discounts, ranging from 10-25% when combining home, auto or other coverage
    • Professional organization memberships can reduce rates by 3-8%
    • Paying premiums in full upfront may save policyholders 5-10%
    • Vehicle safety features provide variable discounts depending on the insurance provider and technology
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MONEYGEEK EXPERT TIP

You typically need a clean driving record (no moving violations or at-fault accidents) for at least three years to be eligible for a defensive driving course discount. Speak with your insurer to determine its policy and whether completing this course may help you lower your premium. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Car Insurance Quotes for High-Risk Drivers

Comparing the cheapest providers and average costs can help, but getting a car insurance quote is the only way to accurately estimate the cost of a high-risk car insurance policy. MoneyGeek's calculator makes company and cost comparisons easier. By entering some basic information, drivers can get car insurance quotes from multiple providers in minutes.

High-Risk Car INsurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

$192
High
$139
Average
$87
Low

Rates updated:

May 24, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
Capital Insurance Group

Capital Insurance Group

94
/of 100
$87
2
GEICO

GEICO

82
/of 100
$109
3
83
/of 100
$118
4
83
/of 100
$129
5
79
/of 100
$133
6
77
/of 100
$151
Your Next Step:

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What To Do If You Are Denied High-Risk Coverage

Standard insurance companies sometimes deny coverage to drivers with serious violations or multiple claims. If you're struggling to find coverage, look for insurers specializing in nonstandard auto insurance or a residual market plan.

Consider Non-Standard Insurance Companies

Several insurers specialize in covering high-risk drivers. While rates are typically higher than standard market options, these companies are more willing to accept drivers with serious infractions:

  • The General: Accepts drivers with poor credit, DUIs, and multiple violations
  • Dairyland: Specializes in SR-22 filings and coverage after license suspensions
  • Direct Auto: Offers flexible payment options and accepts most high-risk drivers
  • Titan Insurance: Provides coverage for drivers denied by standard insurers
  • Bristol West: Specializes in coverage after multiple accidents or tickets

Research State-Run Insurance Programs

If private companies deny you coverage, every state offers programs to ensure high-risk drivers can obtain legally required insurance. Residual market programs group high-risk drivers in the state to provide coverage without raising premiums for less-risky drivers. Every state offers programs to ensure high-risk drivers can obtain legally required insurance:

  • Assigned Risk Plans: Also called "automobile insurance plans," these programs assign high-risk drivers to insurance companies that must provide coverage
  • Joint Underwriting Associations (JUAs): State-created entities that pool resources to cover high-risk drivers
  • State Fund Programs: Government-operated insurance programs in states like Maryland and New Hampshire

How to Access State Run Programs

The AIPSO coordinates high-risk programs nationwide. To find your state's program:

  1. Visit the AIPSO website or contact your state's insurance department
  2. Complete an application with a licensed insurance agent or broker
  3. Pay the required premium (typically 1.5-3 times standard market rates)
  4. Maintain continuous coverage to eventually qualify for standard market rates

Depending on your state, specialized programs like the Florida high-risk auto insurance plan or the California high-risk auto insurance plan may offer more affordable options than the standard assigned risk pool.

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MONEYGEEK EXPERT TIP

If you have serious violations on your driving record, you may need to file an SR-22 or FR-44 form to prove financial responsibility. The FR-44 (required only in Florida and Virginia) mandates higher liability limits than standard SR-22 filings. These forms must be maintained without interruption for the court-ordered period (typically 3-5 years) to avoid license suspension.

Who Is Considered a High-Risk Driver?

Insurance companies classify drivers as "high-risk" based on factors that statistically correlate with increased likelihood of claims. Understanding what places you in this category can help you address specific issues and find appropriate coverage. High-risk drivers may have serious violations, such as:

  • Driving under the influence of alcohol
  • Driving with a suspended or revoked license
  • Driving recklessly
  • Drag racing
  • At-fault accidents (especially multiple incidents)
  • Excessive speeding tickets (typically 20+ mph over limit)
  • Leaving the scene of an accident
  • Poor credit history (in states where allowed)
  • Ownership of high-performance or luxury vehicles
  • Limited driving experience (new drivers of any age)
  • Previous lapses in insurance coverage
  • Living in areas with high auto theft or accident rates
  • Required SR-22 or FR-44 filing from court orders

Cheap High-Risk Car Insurance: Bottom Line

If you have poor credit, a history of traffic violations or a high-performance vehicle, you need high-risk car insurance. Providers like State Farm and Travelers offer competitive rates, with State Farm's starting at $1,459 annually. 

High-risk drivers can take steps to reduce premiums, such as improving credit scores, completing defensive driving courses and maintaining a clean record. Compare quotes from top insurers to find affordable coverage tailored to your needs. Explore the cheapest options and discounts to get financial protection without overspending.

Compare Auto Insurance Rates

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Car Insurance for High-Risk Drivers: FAQ

Below, we answer some frequently asked questions to help you find the best and cheapest high-risk car insurance:

What is the best insurance company for high-risk drivers?

What is the cheapest insurance company for high-risk drivers?

How much is insurance for a high-risk driver?

Who is considered a high-risk driver?

What’s the difference between a DUI, DWI, OWI and OVWI?

What’s the difference between a credit score and credit-based insurance score?

Which common premium rating factors are prohibited in certain states?

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Best Car Insurance for High-Risk Drivers: Our Review Methodology

How We Determined the Best Providers

We gathered data from independent sources to determine the best car insurance providers for high-risk drivers and created a weighted scoring system.

  • Customer satisfaction: 35%
    Customer satisfaction involves good service when contacting your insurer or setting up a policy. To assess satisfaction, we collected data from the National Association of Insurance Commissioners (NAIC) customer complaint index and J.D. Power customer satisfaction scores.
  • Affordability: 20%
    Affordability scoring analyzes how premiums compare between providers. We collected data from Quadrant Information Services and state insurance departments.
  • Claims: 20%
    Claim satisfaction accounts for a customer's specific experiences during the claim process. We collected data from the J.D. Power Claims Study and the CRASH Report Card to determine customer satisfaction when making a claim.
  • Coverage: 20%
    Car insurance providers may offer both standard and unique coverages. We collected data on coverage offerings from various insurers to determine if they provide the essential coverages most drivers need.
  • Financial stability: 5%
    Financial stability accounts for a car insurance provider's financial strength and market share. We used AM Best financial stability ratings to determine the insurers' record of meeting financial obligations with claims.

How We Determined the Cheapest Providers

To determine average car insurance costs and rate comparisons, we collected data from state insurance departments and Quadrant Information Services. We analyzed 210,564 quotes from 68 companies across 897 ZIP codes to establish national and state-specific rate averages.

Sample Driver Profile

To collect cost data, we used a sample driver profile with the following characteristics:

  • 2010 Toyota Camry LE
  • 12K miles driven annually
  • A male or female driver

We modified the sample driver to account for these personalized factors:

  • Age
  • Geographic location and state
  • Driving record — speeding tickets, at-fault accidents and DUIs (or similar offenses, depending on the state) on record

Policies, Coverages and Deductibles Explained

Using our sample driver profile, we collected data on premiums for a full coverage policy with a $500 deductible meeting state minimum coverage requirements. In a non-collision incident or at-fault accident, the deductible is the amount you'll pay before your insurance kicks in to cover the damage to your vehicle.

Coverage requirements are set at the state level. We collected data on state-specific rates based on each state's coverage requirements to determine state and national averages for minimum coverage.

Learn more about MoneyGeek's car insurance methodology.

Insurance for High-Risk Drivers: Related Articles

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MONEYGEEK EXPERT TIP

Traffic violations affect premiums based on their severity and your insurer's specific rating system. Most violations affect your rates for 3-5 years, but the impact diminishes each year if you maintain a clean record afterward.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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