The Best and Cheapest Car Insurance for High-Risk Drivers

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Updated: May 20, 2024

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High-risk car insurance is more expensive than car insurance for experienced drivers or drivers with a clean motor vehicle record. Drivers considered high risk are young and inexperienced drivers or drivers that have one or more offenses on their record — such as a speeding ticket, an at-fault accident or a DUI.

Other driver profiles that are considered high risk are drivers with a lapse in coverage, certain types of car models or drivers with poor credit.

We analyzed high-risk car insurance costs and providers to determine the best and cheapest car insurance options.

Why Trust MoneyGeek? We gathered quotes from Quadrant Information Services and state insurance departments to determine average premium costs for high-risk drivers. To recommend the best providers, we accounted for customer satisfaction, affordability, claim satisfaction and financial stability with a weighted ranking system.

210,564Quotes analyzed
68Companies Compared

Best Overall Car Insurance Companies for High-Risk Drivers

State Farm provides optimal high-risk car insurance for various driver types, including SR-22 insurance for those who need to file an SR-22 according to state regulations. It also offers non-owner SR-22 car insurance for individuals without a vehicle but still needing state-required coverage.

The cost of your insurance is directly linked to the severity of your driving violations, and this can vary from one insurance company to another.

For instance, the best cheap car insurance rates after a single speeding ticket will generally be lower than for a driver with multiple accidents on their record. Different insurers have their own methods for assessing risk, so always shop around to find the most affordable and suitable coverage for your specific situation.

Best Overall for High-Risk Drivers: State Farm

State Farm



Excellent financial stability


Offers rental reimbursement and new car replacement as add-on coverages


Roadside assistance available


Best affordable provider costing only $1,459 per year on average



Offers fewer coverages than some other insurers


State Farm distinguishes itself in the auto insurance market with a suite of coverages and discounts tailored to a wide range of drivers, including those considered high-risk. Its comprehensive offerings ensure that policyholders are well-protected and have opportunities to save on their premiums.

The company offers a variety of discounts that can help lower insurance costs, which is particularly beneficial for high-risk drivers:

  • Safety Features: Discounts for vehicles equipped with airbags, anti-lock brakes, an anti-theft system and daytime running lights.
  • Driving Habits: Rewards for completing a defensive driving course, maintaining a good driving record and using safe driving practices.
  • Educational Achievements: Discounts for young drivers who complete a driver's education course, are students away at school or maintain good grades.
  • Vehicle and Policy Management: Savings for insuring multiple cars, bundling different insurance policies (like auto and home) and owning a new vehicle equipped with the latest safety features.
  • Senior Driver: Offers for mature drivers who meet specific criteria.

State Farm's blend of comprehensive coverages and discounts provides a solid foundation for high-risk drivers to not only ensure they are adequately protected financially but also to manage their insurance costs effectively. For the most current and detailed information, it's always best to consult directly with State Farm or a licensed agent.

Read MoneyGeek's State Farm Auto Insurance Review
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Cheapest Overall Car Insurance Companies for High-Risk Drivers

For high-risk drivers seeking affordable car insurance, State Farm and Travelers offer the most budget-friendly options:

  • State Farm: $1,459 per year and $122 per month
  • Travelers: $1,649 per year and $137 per month

While affordability is an important consideration when it comes to car insurance, especially for high-risk drivers, you should also focus on choosing a plan that adequately meets your needs. Explore the cheapest car insurance companies and learn about potential car insurance discounts to secure the best coverage for your situation.

Data filtered by:Results filtered by:
Coverage:Full Coverage
State FarmAnnual Premium$1,459Monthly Premium$122
TravelersAnnual Premium$1,649Monthly Premium$137
NationwideAnnual Premium$1,676Monthly Premium$140
ProgressiveAnnual Premium$1,767Monthly Premium$147
AllstateAnnual Premium$1,890Monthly Premium$158
FarmersAnnual Premium$2,002Monthly Premium$167
GEICOAnnual Premium$2,160Monthly Premium$180

The Cheapest Companies for High-Risk Drivers by State

For high-risk drivers seeking car insurance, here's a look at the states that offer the most and least affordable options:

5 Cheapest States for High-Risk Drivers

  • Idaho: State Farm - $567 per year and $47 per month
  • Ohio: American Family - $611 per year and $51 per month
  • Nebraska: American National - $623 per year and $52 per month
  • Vermont: State Farm - $649 per year and $54 per month
  • South Carolina: American National - $702 per year and $59 per month

5 Most Expensive States for High-Risk Drivers

  • Nevada: Country Financial - $1377 per year and $115 per month
  • Maryland: State Farm - $1355 per year and $113 per month
  • West Virginia: Erie - $1310 per year and $109 per month
  • Michigan: Chubb - $1297 per year and $108 per month
  • Georgia: Auto-Owners- $1286 per year and $107 per month

Keep in mind that your location can significantly impact the rates for car insurance. While finding the most affordable option is advantageous, remember to also consider the best coverage that fits your specific needs, ensuring you have the financial protection you require.

Data filtered by:Results filtered by:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
AlabamaCompanyState FarmAnnual Premium$1,002Monthly Premium$83
AlaskaCompanyUmialik InsuranceAnnual Premium$1,119Monthly Premium$93
ArizonaCompanyRoot Insurance CompanyAnnual Premium$862Monthly Premium$72
ArkansasCompanySouthern Farm BureauAnnual Premium$942Monthly Premium$78
CaliforniaCompanyCSAAAnnual Premium$868Monthly Premium$72
ColoradoCompanyColorado Farm BureauAnnual Premium$930Monthly Premium$78
ConnecticutCompanyState FarmAnnual Premium$1,598Monthly Premium$133
DelawareCompanyTravelersAnnual Premium$1,096Monthly Premium$91
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Car Insurance Costs for High-Risk Drivers Based on Driver Profile

Insurance companies evaluate drivers' risk profiles using various criteria — not just driving violations. For instance, car insurance for new drivers often comes with higher premiums due to their limited experience on the road, which insurers see as a higher risk. Similarly, car insurance for drivers with a poor credit history can be more expensive, depending on the state.

The type of vehicle you drive can also impact your insurance rates. Cars renowned for their safety features, like certain Volvo or Subaru models, tend to be cheaper to insure. On the other hand, owning a high-performance sports car can place you in a higher risk category due to the potential for more risky driving behaviors and the higher costs of repairs. Insurance underwriting is a complex process, and each company has its own proprietary method, so rates can vary greatly from one insurer to the next.

Cost of High-Risk Car Insurance for Young Drivers

Car insurance providers view students and teen drivers as high-risk drivers since they have less experience behind the wheel and higher accident rates than more experienced drivers, leading to a significant difference in insurance costs. For example, an 18-year-old driver can expect to pay an average of $2,641 per year when added to a family policy. In contrast, the average rate for a 40-year-old driver is $1,220 annually.

Finding cheap car insurance for teens is still possible, depending on where you live and your individual circumstances.

Being added to an existing family policy helps young drivers save on car insurance. In most cases, it is illegal for a teen under 18 to purchase auto insurance without an adult co-signer. Many insurers also offer lower rates for maintaining good grades, driving safely with a usage-based telematics program and being away at school without regular access to a car.

To find cheap car insurance for students, also consider driving a vehicle with a strong safety rating.

Average Annual Cost for Teens vs. Adults





Premiums for teens are on average:$1,421 more

This is 116% more expensive.

Cost of High-Risk Car Insurance for Drivers With Poor Credit

Your credit history may affect insurance costs since insurers assume a correlation between poor handling of credit and an increase in the number of claims filed. Having a poor credit record can make finding reasonably-priced car insurance more challenging. On average, drivers with poor credit standing pay $2,260 more in car insurance per year, nearly three times as much as those with good credit scores. California, Hawaii, Massachusetts, and Michigan do not allow credit to be used as a rating factor.

In other states, you can still find cheap car insurance with poor credit. Taking steps to improve your credit, such as minimizing debt and making on-time payments, may help lower your insurance costs.

Average Annual Insurance Cost by Credit History

Good Credit

(Score above 768)

Poor Credit

(Score below 578)

Premiums for drivers with poor credit are on average:$2,260 more

This is 197% more expensive.

Cost of High-Risk Car Insurance for Drivers With Sports Cars

Data shows that sports cars are more commonly stolen, causing some insurers to charge higher premiums to insure them. Also, because sports cars weigh less and are smaller than a standard sedan, they tend to sustain greater damage when involved in a wreck.

A common sports car model that is relatively expensive to insure is a Ford Mustang. According to our latest research, drivers with a 2010 Ford Mustang paid an average of $204 more than those who owned a Toyota Camry of the same model year. Those driving a 2020 Mustang paid roughly $894 more.

Average Insurance Cost by Model Type

Toyota Camry

Model Year 2010

Ford Mustang

Model Year 2010

Premiums for drivers with a Ford Mustang are on average:$204 more

This is 15% more expensive.

What Is a High-Risk Driver?

High-risk drivers come in many forms, according to auto insurers. Even if you have a clean driving record, factors such as your credit history or type of vehicle can raise premiums. Conversely, past violations can increase costs even if you have a safe car and good credit. Some of the most serious violations that can make you exceptionally risky include:

  • Driving under the influence of alcohol
  • Driving with a suspended or revoked license
  • Driving recklessly
  • Drag racing

If you have serious violations on your driving record, you may need to file an SR-22 or FR-44. The latter only applies is you live in Florida or Virginia. Also known as a certificate of financial responsibility, these documents must be filed to prove you carry the minimum required amount of car insurance in your state. Getting high-risk insurance, also known as nonstandard car insurance, will cost more, but there are plenty of ways to save.

How to Avoid Being Categorized as a High-Risk Driver

Whether you're already classified as a high-risk driver or want to avoid falling into that category, you can take steps to keep your car insurance low.

Drive safely

It may seem intuitive, but ensuring you don't get speeding tickets or cause accidents can go a long way in helping you pay lower rates for auto insurance. Follow the speed limit and all posted signage. If you have violations already on your motor vehicle record, shop for new rates as violations are removed from your record, typically after three years.

Improve your credit history

Making on-time payments, adding your name to a parent's or family member's utility bill and keeping your credit card balances low can all help improve your credit history. It can take some time, but the payoff is worth it.

Take a defensive driving course

Many insurance companies offer discounts to those who complete a defensive driving course. In addition to curbing risky behaviors, these programs also help you identify driving dangers more quickly. However, if you have an SR-22 or FR-44 on file already, taking a course will not lead to lower premiums until the filing period is over.

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

Alternative Coverage Options for High-Risk Drivers

If you’re a high-risk driver and can’t find a carrier to cover you, look for insurers that specialize in nonstandard auto insurance or a residual market plan.

Residual market programs bring together other overly-risky drivers in the state to provide coverage without raising the premiums of other, less-risky drivers. The Automobile Insurance Plan Service Office (AIPSO) helps these drivers find insurance. The group also maintains a state-by-state database to ensure you can locate a plan where you live.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

FAQ About High-Risk Car Insurance

If you still have questions about getting the best high-risk insurance for you, we answer some of the most common below.

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?

Expert Advice

  1. What types of driving violations will result in you being considered a high-risk driver?
  2. If I have high insurance rates due to a poor driving record, what are some steps I can take to get cheaper insurance?
  3. How can I get coverage if no car insurance company will sell a policy to me?
Scott W. Johnson
Scott W. JohnsonFounder & Manager at Marindependent Insurance Services
Jay T. Brandi, PhD, CVA
Jay T. Brandi, PhD, CVADepartment Chair and Professor of Finance at the University of Louisville College of Business
David Marlett
David MarlettManaging Director of Brantley Risk and Insurance Center, IIANC Distinguished Professor of Insurance at Appalachian State University
Amit Sinha
Amit SinhaProfessor of Finance and Quantitative Methods at Bradley University
Heidi Petschauer, CIC
Heidi Petschauer, CICPresident, Petschauer Insurance
Aniruddha Pangarkar, Ph.D., MBA
Aniruddha Pangarkar, Ph.D., MBAAssistant Professor of Marketing at the University of Wisconsin-Green Bay
Thomas Simeone
Thomas SimeoneTrial Attorney at Simeone & Miller, LLP
Cameron Horn
Cameron HornVisiting Professor of Business at Eureka College
Reilly White, Ph.D.
Reilly White, Ph.D.Associate Professor of Finance at the University of New Mexico
Deanne Butchey, Ph.D.
Deanne Butchey, Ph.D.Teaching Professor, Department of Finance at the College of Business, Florida International University
Jonathon Bartsch
Jonathon BartschAssistant Professor of Finance at University of Northwestern - St. Paul
John Espenschied
John EspenschiedAgency Owner of Insurance Brokers Group
Vipul K. Bansal
Vipul K. BansalProfessor at the Tobin College of Business at St. John’s University
Patrick Cozza
Patrick CozzaExecutive in Residence and Lecturer, Wealth Management at Fairleigh Dickinson University
Sung Ham, Ph.D.
Sung Ham, Ph.D.Associate Professor at Broad College of Business, Michigan State University
Chris Douglas
Chris DouglasAssociate Professor of Economics in the College of Arts and Sciences at the University of Michigan-Flint
Jim Drinkwine
Jim DrinkwineAssistant Professor at Whatcom Community College
Nurul Samiul Aman
Nurul Samiul AmanSenior Lecturer in Economics at UMass Boston
Dr. Alicia Plemmons
Dr. Alicia PlemmonsAssistant Professor of Economics, CAS Undergraduate Economics Program Director at Southern Illinois University Edwardsville
Tim LaPlante
Tim LaPlanteAssistant Professor of Business, Finance and Management at Baton Rouge Community College
Gene Rendino
Gene RendinoAssistant Professor at Elmira College
Greg Files
Greg FilesProfessor, Business Administration at Cape Fear Community College

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About Katy McWhirter

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Katy McWhirter is a certified marketer and a personal finance writer at MoneyGeek, covering nonprofit management, marketing, personal finance and education. Her works have been featured in Forbes, U.S. News & World Report and other foreign publications.

McWhirter holds a master’s degree in modern history from the University of York and a bachelor’s degree in social entrepreneurship from Belmont University. She earned her professional certificate in Marketing from The Chartered Institute of Marketing.