In our analysis, Texas Farm Bureau emerges as the most affordable for young drivers, seniors, those with speeding tickets and drivers with bad credit and violations. State Farm is the cheapest for drivers with an accident, while Progressive offers the best rates for DUI cases. Mercury is the top choice for people with bad credit.
High-Risk Car Insurance TX
Updated: May 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
For high-risk drivers seeking affordable car insurance in Texas, Texas Farm Bureau, State Farm and GEICO offer the most budget-friendly options for minimum and full coverage.
Annual premiums for high-risk drivers can vary greatly, with the lowest cost being $616 and the highest reaching $5,940.
To find the best deal on high-risk car insurance, determine the coverage you need, research average costs and discounts, and compare offers from multiple providers.
Cheapest Car Insurance for High-Risk Drivers in TX
| Texas Farm Bureau | Young Drivers | $36 |
| Texas Farm Bureau | Senior Drivers | $25 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $28 |
| State Farm | Drivers With an Accident | $46 |
| Progressive | Drivers With a DUI | $53 |
| Mercury | Drivers With Bad Credit | $57 |
| Texas Farm Bureau | Drivers With Bad Credit And Driving Violations | $59 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap TX High-Risk Car Insurance Providers
While our above table highlights the cheapest companies for high-risk insurance, it doesn't cover every unique driver profile. Below, you'll find a table to compare rates from top providers tailored to your specific needs.
Data filtered by:Results filtered by:
Select
Age Range:22-29
Select
Driving Record:Accident $1000-$1999 Prop Dmg
Select
Credit Score:Good
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| Texas Farm Bureau | $128 | $1,537 |
| State Farm | $133 | $1,599 |
| GEICO | $190 | $2,281 |
| Progressive | $195 | $2,337 |
| AAA Texas | $215 | $2,582 |
How Much is High-Risk Car Insurance in TX?
Overall, high-risk car insurance costs in Texas can range anywhere from $68 to $495 monthly, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
Select
Age Range:22-29
Select
Driving Record:Clean
Select
Credit:Good
Select
Coverage Level:State Minimum Liability Only
| $90 | $1,074 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you live in Texas and have violations on your driving record, you might wonder how long these will impact what you pay for car insurance. For serious issues like DUIs or reckless driving, the look-back period can be up to 10 years.
If your violations are smaller, like a speeding ticket, these usually only affect your rates for about three to five years. Each insurance company decides how long it considers past violations when setting your rates.
Texas High-Risk Car Insurance: Buyer's Guide
Navigating car insurance as a high-risk driver can be challenging. Our guide helps you identify why insurers may view you as high-risk, find affordable options, and know what to do if most insurers deny coverage.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find the Best High-Risk Car Insurance in TX
In the section below, we've provided key tips to help you save money and find the best provider for high-risk car insurance in Texas.
- 1
Decide What Coverage You Need
Before starting to compare car insurance options, identify the coverage you actually need. This helps avoid influence from popular opinions or agents. Consider possible add-ons like rideshare coverage and roadside assistance. Use our calculator to find out how much auto insurance you need.
- 2
Research Average Costs and Discounts
Understanding the average costs and available discounts for your profile lets you assess how good a deal you’re getting. Investigate {state}-certified defensive driving courses, which could reduce your premiums by up to 10%. Don't forget that at-fault accidents and moving violations generally increase insurance rates.
- 3
Consider Non-Traditional Coverage Options
Exploring pay-per-mile and other usage-based insurance programs can reduce costs for low-mileage or safe driving. For instance, Geico, one of the most affordable providers, offers a telematics program that may save you up to 30% based on your driving habits.
- 4
Compare Multiple Providers
To get a sense of the different offers from insurers, compare three or more providers. Utilize various methods such as independent brokers and online comparison sites since rates can vary. Ensure your comparisons are like-for-like so you can accurately gauge how providers stack up.
What To Do if You Get Denied Coverage in Texas
Car insurance is a choice for companies, so they might deny coverage if they see you as too risky. But don't worry, you can still get a plan through the Automobile Insurance Plan Service Office (AIPSO) if you're turned down.
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:00 a.m.–4:00 p.m. CT
N/A
phone
(866) 321-9154
fax
N/A
mailing address
805 Las Cimas Parkway, Las Cimas III, Ste. 210
Austin, TX 78746
Car Insurance for High-Risk Drivers in TX: Bottom Line
Based on our research, Texas Farm Bureau, State Farm, and GEICO offer the cheapest high-risk insurance options in the Lone Star State. While this is our finding, we recommend comparing quotes yourself to get the best deal. If you're denied coverage, don't worry; programs are available to help you secure affordable insurance.
TX Car Insurance for High-Risk Drivers: FAQ
Below, we answer common questions about high-risk car insurance in Texas.
What is the cheapest high-risk car insurance provider in Texas?
The cheapest company in Texas for high-risk car insurance is Texas Farm Bureau; its most affordable rate for monthly high-risk coverage is $25 for senior drivers.
What do I do if I get denied for coverage?
If you've been denied coverage, reach out to the Automobile Insurance Plan Service Office (AIPSO) for assistance in securing a plan.
How much more expensive is high-risk car insurance in Texas?
High-risk car insurance in Texas can be significantly more expensive. Drivers with a clean record might pay around $108 for state minimum coverage, while high-risk profiles could be charged $189 to $235, representing a 75% to 118% increase for similar coverage.
How We Chose The Cheapest High-Risk Car Insurance in Texas
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
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.