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.
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.

Updated: May 21, 2025
Advertising & Editorial Disclosure
- Cheapest High-Risk Insurers
- Cheapest Rates by Risk Factor
- Cheap DUI Car Insurance
- Cheap Insurance After A Ticket
- Cheap Insurance After an Accident
- Cheap Young Driver Insurance
- Cheapest Bad Credit Insurance
- High-Risk Insurance Rates by State
- Best Cheap Insurers
- How to Get High-Risk Insurance
- Alternative High-Risk Options
- Bottom Line
- FAQ
- Our Methodology
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.
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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.
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.
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.
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.
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. Â 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.
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.Â
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

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
- Extensive coverage options including rideshare and gap insurance
- Strong financial stability with A++ AM Best rating
- Excellent discount selection for various driver profiles
- Customer service ratings slightly below industry average
- Higher premiums for drivers with multiple violations
MoneyGeek score: 63 out of 100
J.D. Power Shopping Study score: 630 out of 1,000
J.D. Power Claims Satisfaction score: 684 out of 1,000
NAIC Index: 1.54
AM Best: A++
State Farm: Best Overall Value for High-Risk Drivers

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
- Excellent financial stability with A++ AM Best rating
- Industry-leading rate stability with fewer increases after first violation
- Most affordable national provider for high-risk drivers at $1,459 per year average
- Lower rate increases after violations than most competitors
- Fewer specialized coverage options than some competitors
- Less forgiving of multiple violations within short timeframes
- Limited availability of accident forgiveness in some states
MoneyGeek score: 56 out of 100
J.D. Power Shopping Study score: 699 out of 1,000
J.D. Power Claims Satisfaction score: 710 out of 1,000
NAIC Index: 2.13
AM Best: [A++](Best Overall Value for High-Risk Drivers)
Allstate: Best For Bundling Discounts

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
- Strong multi-policy discounts even for high-risk drivers
- Excellent local agent network for personalized service
- Comprehensive claims satisfaction guarantee program
- Higher than average base rates in many states
- Significant premium increases after multiple violations
MoneyGeek score: 56 out of 100
J.D. Power Shopping Study score: 669 out of 1,000
J.D. Power Claims Satisfaction score: 691 out of 1,000
NAIC Index: 4.05
AM Best: A+
Nationwide: Best for Drivers With Poor Credit

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
- Less punitive rate increases for poor credit compared to competitors
- User-friendly mobile app for policy management and claims
- Strong vanishing deductible program reducing your deductible by $100 annually
- Limited availability in some states
- Higher premiums for drivers with DUI convictions
MoneyGeek score: 53 out of 100
J.D. Power Shopping Study score: 671 our of 1,000
J.D. Power Claims Satisfaction score: 728 out of 1,000
NAIC Index: 2.70
AM Best: A
Farmers: Best for Young High-Risk Drivers

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
- More gradual rate increases for young drivers after violations
- Specialized teen driver monitoring and feedback program
- Excellent accident forgiveness options for first-time offenders
- Higher base rates in some states
- Limited coverage options in rural areas
MoneyGeek score: 53 out of 100
J.D. Power Shopping Study score: 662 out of 1,000
J.D. Power Claims Satisfaction score: 706 out of 1,000
NAIC Index: 1.16
AM Best: A
Progressive: Best For Drivers With a DUI Conviction

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
- Specialized DUI forgiveness program in eligible states after 3-5 years
- Competitive rates even after serious driving violations
- Robust mobile app for policy management and claims filing
- Higher than average rates for drivers under 25
- Customer service ratings below industry average in some regions
MoneyGeek score: 53 out of 100
J.D. Power Shopping Study score: 645 out of 1,000
J.D. Power Claims Satisfaction score: 672out of 1,000
NAIC Index: 2.52
AM Best: [A+](Best Overall Value for High-Risk Drivers)
Geico: Best For High-Risk Military Members and Family

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
- Special rate consideration for military service
- User-friendly mobile app with accident assistance features
- Strong roadside assistance program included with many policies
- Higher than average rates after multiple accidents
- Limited local agent availability for in-person assistance
MoneyGeek score: 50 out of 100
J.D. Power Shopping Study score: 660 out of 1,000
J.D. Power Claims Satisfaction score: 692 out of 1,000
NAIC Index: 1.58
AM Best: A++
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.
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.
Rates updated:
May 24, 2025
Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
---|---|---|---|
1 | ![]() Capital Insurance Group | 94 /of 100 | $87 |
2 | ![]() 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:
Get your real quotes from trusted insurance providers.
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.Â
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
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
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.
Insurance for High-Risk Drivers: Related Articles
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.
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.