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: November 11, 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:
22-29
Accident $1000-$1999 Prop Dmg
Good
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:
22-29
Clean
Good
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.
Minor violations like speeding tickets affect your rates for three to five years. Each insurance company decides how long past violations affect your rates.
Texas High-Risk Car Insurance: Buyer's Guide
Finding car insurance as a high-risk driver takes effort. This guide explains why insurers view you as high-risk, where to find affordable options, and what to do when insurers deny coverage.
What Is Considered a High-Risk Driver?
Auto insurance companies consider these drivers high-risk:
- Drivers with traffic violations or at-fault accidents
- Drivers with DUI convictions
- Drivers caught with a suspended or revoked license
- Young drivers lacking driving experience
- Senior drivers over 60
- Drivers who race or drive sports cars
- Drivers with poor credit or coverage lapses
Tips To Find the Best High-Risk Car Insurance in TX
These tips help you save money and find the best high-risk car insurance provider in Texas.
- 1Decide What Coverage You Need
Identify the coverage you need before comparing car insurance options. This prevents agents or popular opinions from swaying your decision. Consider add-ons like rideshare coverage and roadside assistance. The calculator shows how much auto insurance you need.
- 2Research Average Costs and Discounts
Learn average costs and available discounts for your profile to evaluate deals. Texas-certified defensive driving courses cut premiums by up to 10%. At-fault accidents and moving violations increase insurance rates.
- 3Consider Non-Traditional Coverage Options
Pay-per-mile and usage-based insurance programs cut costs for low-mileage or safe driving. GEICO, one of the most affordable providers, offers a telematics program that saves up to 30% based on your driving habits.
- 4Compare Multiple Providers
Compare three or more providers to see different insurer offers. Use independent brokers and online comparison sites since rates vary. Compare identical coverage levels to gauge how providers stack up.
What To Do if You Get Denied Coverage in Texas
Insurance companies choose who they cover and deny coverage to high-risk drivers. You can still get a plan through the Automobile Insurance Plan Service Office (AIPSO) after denial.
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
email
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.