Cheapest Car Insurance for High-Risk Drivers

State Farm offers the best and cheapest auto insurance for high-risk drivers, costing $1,459 annually.

Find out if you're overpaying for car insurance below.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Venus Zoleta

Contributions by 6 experts

Updated: May 21, 2025

Advertising & Editorial Disclosure

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

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

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.

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

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.

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Age:25

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Coverage:Full Coverage


Travelers	Full Coverage	$159	$1,907	63
State Farm	Full Coverage	$167	$2,000	56
Allstate	Full Coverage	$201	$2,416	56
Nationwide	Full Coverage	$204	$2,443	53
Farmers	Full Coverage	$201	$2,407	52
Progressive	Full Coverage	$182	$2,184	52
GEICO	Full Coverage	$211	$2,527	50

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.

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Age:40

Coverage

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Coverage:State Minimum Liability Only


Alabama	State Farm	State Minimum Liability Only	$39	$472
Alaska	Umialik Insurance	State Minimum Liability Only	$42	$501
Arizona	Progressive	State Minimum Liability Only	$54	$643
Arkansas	State Farm	State Minimum Liability Only	$33	$398
California	CSAA	State Minimum Liability Only	$50	$603
Colorado	Progressive	State Minimum Liability Only	$42	$505
Connecticut	State Farm	State Minimum Liability Only	$81	$973
Delaware	State Farm	State Minimum Liability Only	$82	$982
District of Columbia	Chubb	State Minimum Liability Only	$64	$773
Florida	State Farm	State Minimum Liability Only	$66	$787
Georgia	Country Financial	State Minimum Liability Only	$69	$824
Hawaii	State Farm	State Minimum Liability Only	$34	$413
Idaho	State Farm	State Minimum Liability Only	$21	$252
Illinois	Mercury	State Minimum Liability Only	$39	$462
Indiana	Progressive	State Minimum Liability Only	$30	$362
Iowa	Progressive	State Minimum Liability Only	$19	$230
Kansas	Progressive	State Minimum Liability Only	$41	$492
Kentucky	State Farm	State Minimum Liability Only	$53	$637
Louisiana	Louisiana Farm Bureau	State Minimum Liability Only	$56	$668
Maine	Progressive	State Minimum Liability Only	$29	$348
Maryland	State Farm	State Minimum Liability Only	$64	$772
Massachusetts	Hanover	State Minimum Liability Only	$35	$416
Michigan	Chubb	State Minimum Liability Only	$56	$668
Minnesota	State Farm	State Minimum Liability Only	$44	$526
Mississippi	State Farm	State Minimum Liability Only	$30	$358
Missouri	Progressive	State Minimum Liability Only	$43	$521
Montana	State Farm	State Minimum Liability Only	$15	$184
Nebraska	American National P&C	State Minimum Liability Only	$27	$327
Nevada	Progressive	State Minimum Liability Only	$75	$898
New Hampshire	Hanover	State Minimum Liability Only	$24	$283
New Jersey	Plymouth Rock Assurance	State Minimum Liability Only	$53	$635
New Mexico	Progressive	State Minimum Liability Only	$32	$385
New York	Progressive	State Minimum Liability Only	$64	$765
North Carolina	National General	State Minimum Liability Only	$69	$828
North Dakota	American Family	State Minimum Liability Only	$29	$347
Ohio	American Family	State Minimum Liability Only	$26	$307
Oklahoma	Progressive	State Minimum Liability Only	$31	$370
Oregon	Country Financial	State Minimum Liability Only	$52	$624
Pennsylvania	Travelers	State Minimum Liability Only	$38	$460
Rhode Island	State Farm	State Minimum Liability Only	$42	$508
South Carolina	American National P&C	State Minimum Liability Only	$48	$574
South Dakota	State Farm	State Minimum Liability Only	$25	$295
Tennessee	Progressive	State Minimum Liability Only	$39	$462
Texas	Progressive	State Minimum Liability Only	$53	$634
Utah	Progressive	State Minimum Liability Only	$46	$547
Vermont	State Farm	State Minimum Liability Only	$20	$236
Virginia	Virginia Farm Bureau	State Minimum Liability Only	$36	$438
Washington	PEMCO	State Minimum Liability Only	$33	$401
West Virginia	State Farm	State Minimum Liability Only	$50	$597
Wisconsin	Western National	State Minimum Liability Only	$25	$296
Wyoming	State Farm	State Minimum Liability Only	$19	$233

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.

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Age:40

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Coverage:State Minimum Liability Only


Alabama	Cincinnati Insurance	State Minimum Liability Only	$23	$270
Alaska	Umialik Insurance	State Minimum Liability Only	$42	$501
Arizona	Auto-Owners Insurance Co	State Minimum Liability Only	$51	$608
Arkansas	Southern Farm Bureau	State Minimum Liability Only	$30	$357
California	CSAA	State Minimum Liability Only	$18	$216
Colorado	American National P&C	State Minimum Liability Only	$31	$378
Connecticut	GEICO	State Minimum Liability Only	$43	$518
Delaware	Travelers	State Minimum Liability Only	$47	$564
District of Columbia	Chubb	State Minimum Liability Only	$34	$404
Florida	State Farm	State Minimum Liability Only	$66	$787
Georgia	Auto-Owners Insurance Co	State Minimum Liability Only	$41	$496
Hawaii	GEICO	State Minimum Liability Only	$23	$275
Idaho	State Farm	State Minimum Liability Only	$21	$252
Illinois	Hanover	State Minimum Liability Only	$27	$326
Indiana	Westfield	State Minimum Liability Only	$26	$306
Iowa	State Farm	State Minimum Liability Only	$21	$252
Kansas	Travelers	State Minimum Liability Only	$42	$505
Kentucky	Cincinnati Insurance	State Minimum Liability Only	$30	$358
Louisiana	Louisiana Farm Bureau	State Minimum Liability Only	$46	$550
Maine	Vermont Mutual	State Minimum Liability Only	$26	$310
Maryland	State Farm	State Minimum Liability Only	$64	$772
Massachusetts	State Farm	State Minimum Liability Only	$22	$263
Michigan	Westfield	State Minimum Liability Only	$44	$533
Minnesota	Westfield	State Minimum Liability Only	$29	$344
Mississippi	State Farm	State Minimum Liability Only	$30	$358
Missouri	Progressive	State Minimum Liability Only	$49	$586
Montana	State Farm	State Minimum Liability Only	$15	$184
Nebraska	American National P&C	State Minimum Liability Only	$21	$248
Nevada	Nationwide	State Minimum Liability Only	$53	$639
New Hampshire	Hanover	State Minimum Liability Only	$19	$229
New Jersey	GEICO	State Minimum Liability Only	$51	$614
New Mexico	Progressive	State Minimum Liability Only	$35	$418
New York	Progressive	State Minimum Liability Only	$63	$758
North Carolina	North Carolina Farm Bureau	State Minimum Liability Only	$32	$387
North Dakota	American Family	State Minimum Liability Only	$29	$347
Ohio	Auto-Owners Insurance Co	State Minimum Liability Only	$24	$292
Oklahoma	Mercury	State Minimum Liability Only	$35	$422
Oregon	Country Financial	State Minimum Liability Only	$47	$564
Pennsylvania	Westfield	State Minimum Liability Only	$21	$250
Rhode Island	State Farm	State Minimum Liability Only	$42	$508
South Carolina	American National P&C	State Minimum Liability Only	$42	$509
South Dakota	Farmers Mutual of Nebraska	State Minimum Liability Only	$18	$221
Tennessee	Tennessee Farm Bureau	State Minimum Liability Only	$28	$337
Texas	Texas Farm Bureau	State Minimum Liability Only	$28	$339
Utah	Farmers Union Insurance	State Minimum Liability Only	$42	$508
Vermont	State Farm	State Minimum Liability Only	$20	$236
Virginia	Auto-Owners Insurance Co	State Minimum Liability Only	$40	$476
Washington	PEMCO	State Minimum Liability Only	$24	$287
West Virginia	Westfield	State Minimum Liability Only	$37	$442
Wisconsin	Western National	State Minimum Liability Only	$25	$296
Wyoming	State Farm	State 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.

Data filtered by:Results filtered by:

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Age:40

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Coverage:State Minimum Liability Only


Alabama	Cincinnati Insurance	State Minimum Liability Only	$34	$402
Alaska	Umialik Insurance	State Minimum Liability Only	$42	$501
Arizona	Travelers	State Minimum Liability Only	$57	$681
Arkansas	Hanover	State Minimum Liability Only	$34	$411
California	CSAA	State Minimum Liability Only	$18	$216
Colorado	American National P&C	State Minimum Liability Only	$37	$448
Connecticut	GEICO	State Minimum Liability Only	$54	$651
Delaware	Travelers	State Minimum Liability Only	$46	$548
District of Columbia	Chubb	State Minimum Liability Only	$42	$500
Florida	State Farm	State Minimum Liability Only	$71	$858
Georgia	Auto-Owners Insurance Co	State Minimum Liability Only	$53	$639
Hawaii	GEICO	State Minimum Liability Only	$35	$419
Idaho	State Farm	State Minimum Liability Only	$23	$277
Illinois	American Family	State Minimum Liability Only	$40	$474
Indiana	American Family	State Minimum Liability Only	$34	$412
Iowa	State Farm	State Minimum Liability Only	$23	$277
Kansas	Auto-Owners Insurance Co	State Minimum Liability Only	$36	$430
Kentucky	Travelers	State Minimum Liability Only	$49	$589
Louisiana	Louisiana Farm Bureau	State Minimum Liability Only	$51	$613
Maine	Vermont Mutual	State Minimum Liability Only	$26	$310
Maryland	State Farm	State Minimum Liability Only	$73	$876
Massachusetts	State Farm	State Minimum Liability Only	$31	$373
Michigan	Westfield	State Minimum Liability Only	$54	$647
Minnesota	Westfield	State Minimum Liability Only	$35	$426
Mississippi	State Farm	State Minimum Liability Only	$34	$411
Missouri	Travelers	State Minimum Liability Only	$52	$628
Montana	State Farm	State Minimum Liability Only	$17	$202
Nebraska	American National P&C	State Minimum Liability Only	$24	$291
Nevada	Nationwide	State Minimum Liability Only	$73	$878
New Hampshire	Hanover	State Minimum Liability Only	$22	$268
New Jersey	Plymouth Rock Assurance	State Minimum Liability Only	$60	$718
New Mexico	State Farm	State Minimum Liability Only	$41	$487
New York	Progressive	State Minimum Liability Only	$61	$729
North Carolina	North Carolina Farm Bureau	State Minimum Liability Only	$30	$354
North Dakota	American Family	State Minimum Liability Only	$26	$307
Ohio	American Family	State Minimum Liability Only	$26	$313
Oklahoma	State Farm	State Minimum Liability Only	$39	$465
Oregon	Country Financial	State Minimum Liability Only	$44	$527
Pennsylvania	Westfield	State Minimum Liability Only	$19	$228
Rhode Island	Amica Mutual	State Minimum Liability Only	$41	$491
South Carolina	American National P&C	State Minimum Liability Only	$42	$509
South Dakota	Farmers Mutual of Nebraska	State Minimum Liability Only	$22	$269
Tennessee	Tennessee Farm Bureau	State Minimum Liability Only	$28	$337
Texas	State Farm	State Minimum Liability Only	$46	$558
Utah	American Family	State Minimum Liability Only	$51	$609
Vermont	Vermont Mutual	State Minimum Liability Only	$20	$236
Virginia	Auto-Owners Insurance Co	State Minimum Liability Only	$35	$425
Washington	PEMCO	State Minimum Liability Only	$27	$321
West Virginia	Westfield	State Minimum Liability Only	$46	$558
Wisconsin	Western National	State Minimum Liability Only	$25	$296
Wyoming	State Farm	State Minimum Liability Only	$21	$255

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:


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

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


Alabama	Cincinnati Insurance	State Minimum Liability Only	$34	$409
Alaska	Umialik Insurance	State Minimum Liability Only	$42	$501
Arizona	State Farm	State Minimum Liability Only	$56	$667
Arkansas	Southern Farm Bureau	State Minimum Liability Only	$33	$399
California	CSAA	State Minimum Liability Only	$29	$345
Colorado	American National P&C	State Minimum Liability Only	$37	$445
Connecticut	GEICO	State Minimum Liability Only	$73	$875
Delaware	Travelers	State Minimum Liability Only	$59	$709
District of Columbia	Chubb	State Minimum Liability Only	$47	$559
Florida	State Farm	State Minimum Liability Only	$68	$811
Georgia	Auto-Owners Insurance Co	State Minimum Liability Only	$59	$703
Hawaii	State Farm	State Minimum Liability Only	$36	$426
Idaho	State Farm	State Minimum Liability Only	$22	$260
Illinois	Hanover	State Minimum Liability Only	$38	$462
Indiana	American Family	State Minimum Liability Only	$34	$407
Iowa	State Farm	State Minimum Liability Only	$22	$260
Kansas	American Family	State Minimum Liability Only	$43	$518
Kentucky	Travelers	State Minimum Liability Only	$50	$599
Louisiana	Louisiana Farm Bureau	State Minimum Liability Only	$51	$610
Maine	Progressive	State Minimum Liability Only	$35	$424
Maryland	State Farm	State Minimum Liability Only	$67	$807
Massachusetts	State Farm	State Minimum Liability Only	$30	$361
Michigan	Chubb	State Minimum Liability Only	$56	$668
Minnesota	Westfield	State Minimum Liability Only	$42	$504
Mississippi	State Farm	State Minimum Liability Only	$31	$375
Missouri	Progressive	State Minimum Liability Only	$52	$627
Montana	State Farm	State Minimum Liability Only	$16	$190
Nebraska	American National P&C	State Minimum Liability Only	$24	$289
Nevada	Mercury	State Minimum Liability Only	$74	$886
New Hampshire	Hanover	State Minimum Liability Only	$22	$260
New Jersey	Plymouth Rock Assurance	State Minimum Liability Only	$55	$663
New Mexico	Progressive	State Minimum Liability Only	$36	$433
New York	Progressive	State Minimum Liability Only	$63	$750
North Carolina	North Carolina Farm Bureau	State Minimum Liability Only	$48	$578
North Dakota	American Family	State Minimum Liability Only	$28	$333
Ohio	American Family	State Minimum Liability Only	$26	$309
Oklahoma	State Farm	State Minimum Liability Only	$36	$437
Oregon	Country Financial	State Minimum Liability Only	$48	$571
Pennsylvania	Travelers	State Minimum Liability Only	$36	$433
Rhode Island	State Farm	State Minimum Liability Only	$42	$508
South Carolina	American National P&C	State Minimum Liability Only	$44	$531
South Dakota	Farmers Mutual of Nebraska	State Minimum Liability Only	$24	$289
Tennessee	Tennessee Farm Bureau	State Minimum Liability Only	$33	$401
Texas	Texas Farm Bureau	State Minimum Liability Only	$47	$564
Utah	Progressive	State Minimum Liability Only	$53	$632
Vermont	State Farm	State Minimum Liability Only	$20	$243
Virginia	Virginia Farm Bureau	State Minimum Liability Only	$40	$485
Washington	PEMCO	State Minimum Liability Only	$28	$336
West Virginia	State Farm	State Minimum Liability Only	$51	$615
Wisconsin	Western National	State Minimum Liability Only	$25	$296
Wyoming	State Farm	State Minimum Liability Only	$20	$240

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:


Alabama	Travelers	$168	$2,018
Alaska	GEICO	$164	$1,962
Arizona	Travelers	$143	$1,720
Arkansas	Farmers	$148	$1,779
Colorado	GEICO	$200	$2,397
Connecticut	GEICO	$127	$1,523
Delaware	USAA	$149	$1,784
District of Columbia	USAA	$222	$2,668
Florida	GEICO	$200	$2,399
Georgia	GEICO	$160	$1,924
Idaho	Auto-Owners Insurance Co	$115	$1,376
Illinois	Travelers	$142	$1,701
Indiana	USAA	$147	$1,767
Iowa	Travelers	$141	$1,692
Kansas	Nationwide	$162	$1,947
Kentucky	Travelers	$193	$2,317
Louisiana	USAA	$237	$2,849
Maine	Concord Group	$106	$1,270
Maryland	Progressive	$167	$2,005
Michigan	Progressive	$268	$3,218
Minnesota	Nationwide	$194	$2,330
Mississippi	USAA	$184	$2,211
Missouri	USAA	$143	$1,716
Montana	Progressive	$143	$1,718
Nebraska	Allstate	$188	$2,258
Nevada	Capital Insurance Group	$140	$1,682
New Hampshire	Concord Group	$94	$1,130
New Jersey	Progressive	$266	$3,189
New Mexico	Nationwide	$167	$2,009
New York	Kemper	$182	$2,190
North Carolina	Nationwide	$113	$1,360
North Dakota	USAA	$119	$1,425
Ohio	Nationwide	$116	$1,392
Oklahoma	USAA	$183	$2,195
Oregon	Nationwide	$135	$1,617
Pennsylvania	USAA	$143	$1,710
Rhode Island	State Farm	$163	$1,953
South Carolina	USAA	$174	$2,089
South Dakota	Allstate	$171	$2,056
Tennessee	Farmers	$132	$1,585
Texas	Allstate	$222	$2,665
Utah	Farmers	$185	$2,217
Vermont	Concord Group	$120	$1,441
Virginia	Nationwide	$134	$1,613
Washington	USAA	$79	$952
West Virginia	Nationwide	$165	$1,978
Wisconsin	Travelers	$119	$1,432
Wyoming	Farmers	$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

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

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

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

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

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

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

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
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
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
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
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
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
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

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.

	Insurance Carrier	MoneyGeek ScoreMG Score	Average Monthly Payment
1	Capital Insurance Group	94 /of 100	$87
2	GEICO	82 /of 100	$109
3	State Farm	83 /of 100	$118
4	Travelers	83 /of 100	$129
5	Progressive	79 /of 100	$133
6	Farmers	77 /of 100	$151

Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

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:

Visit the AIPSO website or contact your state's insurance department
Complete an application with a licensed insurance agent or broker
Pay the required premium (typically 1.5-3 times standard market rates)
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.

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.

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?

State Farm is the best car insurance company for high-risk drivers, but getting quotes from multiple providers is a smart way to find the best deal for your driver profile.

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

For widely available policies, State Farm offers the most affordable car insurance for high-risk drivers, with an annual average premium of $1,459. Travelers is also a solid option, charging $1,649.

How much is insurance for a high-risk driver?

A 40-year-old driver with a clean record pays $1,220 per year for car insurance, while a high-risk driver spends as much as $2,160 for the same coverage. These figures are averages, so use a car insurance calculator for a more accurate estimate of your premiums.

Who is considered a high-risk driver?

High-risk drivers aren't limited to those with violations on their record. Insurance companies may also classify those with poor credit histories, drive sports cars or have little or no driving experience as high risk.

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

DUI, DWI, OWI, and OVWI all refer to impaired driving offenses, but their meanings vary by state. DUI (driving under the influence) and DWI (driving while intoxicated) are the most common and often used interchangeably. OWI (operating while intoxicated) and OVWI (operating a vehicle while intoxicated) are similar but focus on operating any vehicle, not just driving.

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

A credit score evaluates your ability to repay debts, while a credit-based insurance score assesses your risk as a policyholder. While both use your credit history, a credit score helps lenders determine creditworthiness, and a credit-based insurance score predicts the likelihood of filing claims.

Which common premium rating factors are prohibited in certain states?

Six states don't allow gender as a rating factor: California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania. Four states don't allow credit as a rating factor: California, Hawaii, Massachusetts and Michigan. Also, Hawaii doesn't allow age as a rating factor.

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.

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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, 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.

Read Full Bio »

sources

Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers." Accessed February 19, 2025.
NAIC. "Credit-Based Insurance Scores." Accessed February 19, 2025.

Cheapest Car Insurance for High-Risk Drivers

Key Takeaways

Compare Auto Insurance Rates

Cheapest High-Risk Car Insurance Companies

Cheapest Auto Insurance for High-Risk Drivers by Risk Factor

Cheapest Car Insurance After a DUI Conviction

MONEYGEEK EXPERT TIP

Cheapest Car Insurance After a Speeding Ticket

Cheapest Car Insurance After an Accident

MONEYGEEK EXPERT TIP

Cheapest Car Insurance for Young High-Risk Drivers

MONEYGEEK EXPERT TIP

Cheapest Car Insurance for Drivers with Poor Credit

MONEYGEEK EXPERT TIP

Cheapest Auto Insurance for High-Risk Drivers by State

Best Cheap High-Risk Car Insurance Company Reviews

Travelers: Best High-Risk Coverage Options

State Farm: Best Overall Value for High-Risk Drivers

Allstate: Best For Bundling Discounts

Nationwide: Best for Drivers With Poor Credit

Farmers: Best for Young High-Risk Drivers

Progressive: Best For Drivers With a DUI Conviction

Geico: Best For High-Risk Military Members and Family

How to Get Cheap Car Insurance for High-Risk Drivers

Review and compare policies regularly

Drive safely moving forward

Improve your credit history

Take a defensive driving course

Consider usage-based insurance programs

Explore all available discounts

MONEYGEEK EXPERT TIP

Car Insurance Quotes for High-Risk Drivers

High-Risk Car INsurance Calculator

Capital Insurance Group

GEICO

State Farm

Travelers

Progressive

Farmers

Your Next Step:

What To Do If You Are Denied High-Risk Coverage

Consider Non-Standard Insurance Companies

Research State-Run Insurance Programs

How to Access State Run Programs

MONEYGEEK EXPERT TIP

Who Is Considered a High-Risk Driver?

Cheap High-Risk Car Insurance: Bottom Line

Compare Auto Insurance Rates

Car Insurance for High-Risk Drivers: FAQ

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?

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

Insurance for High-Risk Drivers: Related Articles

MONEYGEEK EXPERT TIP

sources