Cheapest Car Insurance For High-Risk Drivers: Best 2025 Rates


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Key Takeaways

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State Farm offers the most affordable DUI coverage at $72 monthly ($862 annually), saving $38 monthly compared to the average. For drivers with poor credit, State Farm averages $121 monthly ($1,447 annually) for full coverage.

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For young drivers with DUI violations, State Farm offers the lowest rates at $161 monthly, saving $115 compared to the average. Travelers follows at $193 monthly, while Progressive costs $235 monthly for the same coverage.

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Strategic rate reduction through defensive driving courses, telematics programs, and bundling discounts can save high-risk drivers 10-40% annually. Usage-based programs like Progressive's Snapshot and State Farm's Drive Safe & Save offer substantial savings regardless of past violations.

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Cheapest Car Insurance For High-Risk Drivers

Our analysis reveals that State Farm consistently offers the best rates for most driving violations, while GEICO specializes in not at-fault accident saving drivers around $21 monthly compared to the average. The differences between insurers are substantial - choosing the right company can reduce your premiums by $300-500 per year compared to more expensive options.

Data filtered by:Results filtered by:
Select
Driving Record:DUI - BAC >= .08
Select
Coverage:State Minimum Liability Only
State Farm$72$862$38
Travelers$79$947$31
Progressive$85$1,024$25
Geico$105$1,260$5
Allstate$135$1,619$25
Nationwide$141$1,690$31
Farmers$155$1,862$45

Cheapest Car Insurance For Drivers With DUI Conviction

State Farm consistently offers some of the most competitive rates for DUI drivers across states, with minimum coverage starting as low as $19 monthly in Idaho ($228 annually). Progressive and GEICO also provide affordable options in many markets. 

However, rates vary dramatically by location — minimum coverage for DUI drivers ranges from $215 annually in South Dakota to over $1,100 in California and Georgia.

Premium increases from DUI convictions generally last at least three years and boost rates by 73% on average, depending on your state. Compare quotes carefully, as some insurers increase premiums less than others after DUI offenses.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage:State Minimum Liability Only
AlabamaAIG$24$285
AlaskaWestern National Insurance$44$525
ArizonaState Farm$54$650
ArkansasFarm Bureau$39$473
CaliforniaGeico$93$1,113
ColoradoAmerican National$40$486
ConnecticutState Farm$84$1,008
DelawareState Farm$86$1,026
District of ColumbiaChubb$61$731
FloridaState Farm$67$808
GeorgiaAuto Owners$94$1,128
HawaiiState Farm$39$470
IdahoState Farm$19$228
IllinoisGeico$63$758
IndianaProgressive$50$599
IowaState Farm$21$251
KansasState Farm$41$490
KentuckyState Farm$54$647
LouisianaState Farm$74$893
MaineProgressive$42$505
MarylandGeico$60$718
MassachusettsPlymouth Rock Insurance$38$456
MichiganProgressive$72$863
MinnesotaState Farm$36$433
MississippiFarm Bureau$59$710
MissouriFarm Bureau$47$567
MontanaState Farm$20$236
NebraskaFarmers Mutual Ins Co of NE$41$494
NevadaState Farm$78$937
New HampshireMMG Insurance$53$635
New JerseyPlymouth Rock Insurance$79$951
New MexicoState Farm$40$478
New YorkProgressive$35$420
North CarolinaNational General$71$857
North DakotaState Farm$36$435
OhioGeico$54$650
OklahomaProgressive$34$412
OregonState Farm$41$487
PennsylvaniaState Farm$39$470
Rhode IslandState Farm$42$500
South CarolinaAmerican National$50$602
South DakotaProgressive$18$215
TennesseeFarm Bureau$42$502
TexasState Farm$66$791
UtahKemper$74$891
VermontCo-operative Insurance$21$256
VirginiaFarm Bureau$40$477
WashingtonState Farm$40$480
West VirginiaState Farm$52$628
WisconsinTravelers$41$494
WyomingState Farm$22$258
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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 For Drivers With Speeding Ticket

State Farm, GEICO, and Auto Owners consistently offer some of the most competitive rates across states for drivers with speeding tickets. State Farm provides particularly low rates in states like Idaho ($228 annually) and Iowa ($251 annually). GEICO offers strong options in multiple markets, including Hawaii ($292 annually) and Wisconsin ($316 annually).

The most affordable options vary by state — Farmers Mutual offers the lowest rates in Vermont ($195) and South Dakota ($205), while AIG provides the cheapest coverage in Alabama ($285). This represents only a 20% increase over rates for drivers with clean records, significantly below the industry average increase of 45%.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage:State Minimum Liability Only
AlabamaAIG$24$285
AlaskaWestern National Insurance$44$525
ArizonaAuto Owners$54$650
ArkansasFarm Bureau$35$422
CaliforniaGeico$58$696
ColoradoAmerican National$32$381
ConnecticutGeico$41$487
DelawareTravelers$47$562
District of ColumbiaChubb$32$382
FloridaTravelers$65$779
GeorgiaGeico$50$595
HawaiiGeico$24$292
IdahoState Farm$19$228
IllinoisAuto Owners$36$427
IndianaAuto Owners$36$434
IowaState Farm$21$251
KansasGeico$31$378
KentuckyShelter Insurance$51$607
LouisianaGeico$73$873
MaineGeico$32$380
MarylandGeico$57$682
MassachusettsPlymouth Rock Insurance$34$403
MichiganTravelers$42$499
MinnesotaWestfield Insurance$23$274
MississippiFarm Bureau$37$438
MissouriFarm Bureau$37$449
MontanaState Farm$20$236
NebraskaFarmers Mutual Ins Co of NE$23$278
NevadaTravelers$70$834
New HampshireSafety Insurance$31$371
New JerseySelective Insurance$68$814
New MexicoCentral Insurance$38$457
New YorkProgressive$34$414
North CarolinaState Farm$33$391
North DakotaNorth Star Insurance$28$335
OhioAuto Owners$27$318
OklahomaProgressive$38$459
OregonState Farm$41$487
PennsylvaniaWestfield Insurance$21$257
Rhode IslandState Farm$42$500
South CarolinaAmerican National$45$535
South DakotaFarmers Mutual Ins Co of NE$17$205
TennesseeFarm Bureau$27$319
TexasState Farm$41$489
UtahGeico$59$713
VermontUnion Mutual Insurance$16$195
VirginiaTravelers$38$450
WashingtonState Farm$40$480
West VirginiaWestfield Insurance$35$423
WisconsinGeico$26$316
WyomingState Farm$22$258

Cheapest Car Insurance Quotes For Drivers With At-Fault Accident

GEICO, State Farm and Travelers consistently offer competitive rates across multiple states for drivers with accidents. State Farm provides particularly strong options in states like Idaho ($248 annually), Iowa ($273 annually), and Montana ($253 annually). GEICO offers low rates in markets like Vermont ($195), Wyoming ($251), and Wisconsin ($379).

The most affordable coverage varies dramatically by state — Union Mutual offers the lowest rates in Vermont ($195), while AIG provides the cheapest option in Alabama ($328). American Family and regional insurers like Farmers Mutual also offer competitive rates in states where they operate.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage:State Minimum Liability Only
AlabamaAIG$27$328
AlaskaWestern National Insurance$44$525
ArizonaTravelers$58$697
ArkansasFarm Bureau$42$502
CaliforniaGeico$69$825
ColoradoAmerican National$36$436
ConnecticutGeico$49$586
DelawareTravelers$60$716
District of ColumbiaChubb$39$473
FloridaTravelers$69$825
GeorgiaCentral Insurance$59$711
HawaiiGeico$35$421
IdahoState Farm$21$248
IllinoisAuto Owners$42$506
IndianaHastings Insurance$31$371
IowaState Farm$23$273
KansasTravelers$44$523
KentuckyState Farm$59$705
LouisianaState Farm$80$958
MaineMMG Insurance$33$390
MarylandCumberland Mutual$72$867
MassachusettsPlymouth Rock Insurance$37$443
MichiganTravelers$61$732
MinnesotaWestfield Insurance$28$337
MississippiFarm Bureau$44$528
MissouriFarm Bureau$51$615
MontanaState Farm$21$253
NebraskaFarmers Mutual Ins Co of NE$25$303
NevadaTravelers$74$886
New HampshireVermont Mutual Insurance$31$377
New JerseyNJM Insurance$80$959
New MexicoCentral Insurance$31$368
New YorkNYCM Insurance$25$305
North CarolinaState Farm$30$363
North DakotaAmerican Family$33$394
OhioAuto Owners$40$480
OklahomaAmerican Farmers & Ranchers$38$451
OregonState Farm$48$573
PennsylvaniaWestfield Insurance$25$298
Rhode IslandState Farm$42$500
South CarolinaAmerican National$45$535
South DakotaFarmers Mutual Ins Co of NE$21$253
TennesseeFarm Bureau$27$319
TexasState Farm$48$576
UtahGeico$79$948
VermontUnion Mutual Insurance$16$195
VirginiaTravelers$41$489
WashingtonState Farm$43$517
West VirginiaErie Insurance$44$533
WisconsinGeico$32$379
WyomingGeico$21$251
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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 Quotes for Young High-Risk Drivers

State Farm and GEICO consistently offer the most affordable rates for young drivers with violations, with State Farm averaging around $140 monthly across violation types. Travelers also provides competitive options. Young drivers with violations face significantly higher premiums, especially for at-fault accidents and DUI convictions.

Data filtered by:Results filtered by:
Select
Driving Record:DUI - BAC >= .08
Select
Coverage:State Minimum Liability Only
State Farm$161$1,931$115
Travelers$193$2,315$83
Progressive$235$2,819$41
Geico$256$3,069$21
Allstate$287$3,441$10
Nationwide$364$4,365$87
Farmers$440$5,275$163
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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 Quotes for Drivers with Poor Credit

GEICO offers the most affordable coverage for drivers with poor credit, providing competitive rates in 10 states including California ($889 annually), Hawaii ($558), and Louisiana ($945). Regional insurers like Farmers Mutual offer exceptional value in Nebraska ($295) and South Dakota ($323), while Westfield Insurance provides low rates across multiple markets. Rates vary dramatically by location, ranging from $295 annually in Nebraska to over $1,500 in Washington, D.C.

AlabamaCincinnati Insurance$53$630
AlaskaWestern National Insurance$97$1,167
ArizonaSafeway Insurance$69$833
ArkansasAlfa Insurance$39$466
CaliforniaGeico$74$889
ColoradoAmerican National$85$1,021
ConnecticutGeico$84$1,009
DelawareGeico$99$1,185
District of ColumbiaErie Insurance$126$1,514
FloridaTravelers$92$1,106
GeorgiaCentral Insurance$83$990
HawaiiGeico$47$558
IdahoGrange Insurance$63$751
IllinoisErie Insurance$82$984
IndianaHastings Insurance$37$447
IowaIMT Insurance$70$838
KansasShelter Insurance$85$1,016
KentuckyGrange Insurance$70$839
LouisianaGeico$79$945
MaineMMG Insurance$67$808
MarylandGeico$83$1,001
MassachusettsSafety Insurance$42$502
MichiganFarm Bureau$62$745
MinnesotaWestfield Insurance$39$471
MississippiFarm Bureau$85$1,016
MissouriKemper$67$807
MontanaKemper$95$1,136
NebraskaFarmers Mutual Ins Co of NE$25$295
NevadaCountry Financial$78$936
New HampshireMapfre Insurance$45$537
New JerseyGeico$91$1,091
New MexicoKemper$72$866
New YorkErie Insurance$59$703
North CarolinaUtica Insurance$67$803
North DakotaNorth Star Insurance$60$726
OhioCincinnati Insurance$53$631
OklahomaAmerican Farmers & Ranchers$56$677
OregonCountry Financial$48$579
PennsylvaniaWestfield Insurance$44$532
Rhode IslandGeico$93$1,121
South CarolinaFarm Bureau$82$984
South DakotaFarmers Mutual Ins Co of NE$27$323
TennesseeGeico$87$1,042
TexasGeico$84$1,011
UtahKemper$68$816
VermontUnion Mutual Insurance$31$377
VirginiaAuto Owners$75$899
WashingtonNational General$65$780
West VirginiaWestfield Insurance$63$755
WisconsinWest Bend Mutual$59$703
WyomingAmerican National$93$1,121
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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 Car Insurance Quotes for High-Risk Drivers by State

Insurance rates for high-risk drivers vary dramatically by location and violation type, ranging from $195 annually in Vermont to over $1,150 in Georgia. State Farm consistently offers the most affordable rates across violation types in 15-18 states, while GEICO and regional insurers provide competitive alternatives in specific markets. You can find the best and cheapest insurance providers in your state by using the table below:

Data filtered by:Results filtered by:
Select
Driving Record:DUI - BAC >= .08
AlabamaAIG$24$290
AlaskaWestern National Insurance$43$518
ArizonaState Farm$54$649
ArkansasFarm Bureau$38$462
CaliforniaGeico$93$1,113
ColoradoAmerican National$42$507
ConnecticutState Farm$84$1,008
DelawareState Farm$88$1,054
District of ColumbiaChubb$59$705
FloridaState Farm$67$808
GeorgiaAuto Owners$96$1,156
HawaiiState Farm$38$456
IdahoState Farm$19$228
IllinoisTravelers$66$791
IndianaTravelers$49$593
IowaState Farm$21$251
KansasState Farm$43$514
KentuckyState Farm$55$666
LouisianaState Farm$74$893
MaineProgressive$44$522
MarylandGeico$56$674
MassachusettsPlymouth Rock Insurance$37$449
MichiganProgressive$72$859
MinnesotaState Farm$36$433
MississippiFarm Bureau$54$650
MissouriFarm Bureau$47$567
MontanaState Farm$19$230
NebraskaProgressive$38$459
NevadaTravelers$77$930
New HampshireMMG Insurance$49$588
New JerseyPlymouth Rock Insurance$79$945
New MexicoState Farm$40$478
New YorkProgressive$36$434
North CarolinaNational General$71$857
North DakotaState Farm$36$435
OhioGeico$54$643
OklahomaProgressive$35$422
OregonState Farm$41$486
PennsylvaniaState Farm$39$470
Rhode IslandState Farm$42$500
South CarolinaFarm Bureau$50$603
South DakotaProgressive$19$231
TennesseeFarm Bureau$42$499
TexasState Farm$67$801
UtahKemper$71$852
VermontCo-operative Insurance$21$256
VirginiaFarm Bureau$39$462
WashingtonState Farm$40$480
West VirginiaState Farm$52$628
WisconsinTravelers$41$487
WyomingState Farm$22$258

Best High-Risk Car Insurance Company Reviews

Based on our analysis, State Farm leads as the best overall value for high-risk drivers with a MoneyGeek score of 91, offering exceptional affordability and consistent coverage. USAA ranks highest for military members with high-risk profiles (score of 97), while Progressive excels for DUI convictions (score of 94). Nationwide provides the best option for drivers with poor credit (score of 90), and Farmers offers superior coverage options for high-risk situations (score of 81). The following sections offer valuable insights for those looking for the best affordable high-risk insurance coverage.

Travelers: Best High-Risk Coverage Options

Company logo for Farmers
Farmers
MoneyGeek Score:
81/ of 100

Monthly Premium$116
Annual Premium$1,397
Overview

Topping our rankings with an impressive MoneyGeek score of 81, Farmers excels across critical metrics with industry-leading positions in coverage options, claims handling, and financial stability. The insurer demonstrates remarkable value for high-risk drivers, delivering comprehensive protection with dramatically fewer customer complaints than competitors.

Comprehensive protection defines Farmers' approach to high-risk drivers, with specialized features like gap insurance and accident forgiveness unavailable from many competitors. The company's robust coverage options provide strategic advantages for drivers managing violations, while its extensive agent network creates stability during the often turbulent high-risk coverage period.

Discounts Offered Farmers provides valuable discounts that help high-risk drivers reduce their premiums strategically. Its multi-policy bundling and safe driver programs reward commitment to maintaining coverage and improving driving habits, crucial factors in gradually reducing high-risk classification.

Farmers' discount selection could help tailor your coverage costs, it's worth exploring to see how your premium might benefit:

  • Multi-policy: Save up to 25% by bundling auto with home, renters or umbrella insurance
  • Safe driver: Earn discounts by maintaining a clean driving record for 3-5 years
  • Good student: Receive discounts for students maintaining good grades
  • Defensive driving: Qualify for reductions after completing approved driving courses
  • Vehicle safety: Save when your car has anti-theft devices or safety features

State Farm: Best Overall Value for High-Risk Drivers

Company logo for State Farm
State Farm
MoneyGeek Score:
91/ of 100

Monthly Premium$60
Annual Premium$715
Overview

Leading our rankings with an impressive MoneyGeek score of 91, State Farm offers an impressive balance of quality and affordability that makes it our top overall recommendation for budget-conscious high-risk drivers. At just $60 monthly ($715 annually), it provides the most affordable coverage for high-risk drivers while maintaining excellent financial stability with an A++ AM Best rating.

State Farm's 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 and 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

Company logo for Allstate
Allstate
MoneyGeek Score:
81/ of 100

Monthly Premium$106
Annual Premium$1,272
Overview

Ranking third overall with a MoneyGeek score of 81, 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

Company logo for Nationwide
Nationwide
MoneyGeek Score:
90/ of 100

Monthly Premium$122
Annual Premium$1,463
Overview

For drivers battling credit challenges, Nationwide's MoneyGeek score of 90 represents a balanced approach focusing on coverage breadth rather than penalizing financial history. Though premiums averaging $1,463 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

State Farm: Best for Young High-Risk Drivers

Company logo for State Farm
State Farm
MoneyGeek Score:
91/ of 100

Monthly Premium$135
Annual Premium$1,625
Overview

With a MoneyGeek score of 91, State Farm showcases strategic focus on youth-friendly coverage and customer satisfaction at $135 monthly ($1,625 annually). Despite higher base rates, 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 State Farm's 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

State Farm provides specialized discounts for younger drivers that continue to apply even after minor infractions. These discounts 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

Company logo for Progressive
Progressive
MoneyGeek Score:
94/ of 100

Monthly Premium$85
Annual Premium$1,024
Overview

With a MoneyGeek score of 94, 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 $1,024 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

USAA: Best For High-Risk Military Members and Family

Company logo for USAA
USAA
MoneyGeek Score:
97/ of 100

Monthly Premium$28
Annual Premium$335
Overview

With an exceptional MoneyGeek score of 97, USAA demonstrates outstanding value for military families at just $28 monthly ($335 annually). This reflects the insurer's commitment to serving those who serve, balanced by superior financial stability and exceptional customer satisfaction, ranking highest among all 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. USAA's streamlined mobile claims technology proves particularly valuable for service members with driving violations stationed abroad or facing deployment uncertainties.

Discounts Offered

USAA 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 USAA'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

Car Insurance for High-Risk Drivers: Buying Guide

Finding affordable car insurance after violations requires strategic comparison shopping and understanding your options. This guide walks you through essential steps to secure the best coverage at competitive rates, from evaluating insurers that specialize in high-risk drivers to maximizing available discounts and choosing optimal coverage levels.

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. 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. 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. 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. 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. 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. 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
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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.

$192
High
$139
Average
$87
Low

Rates updated:

Jul 18, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
Capital Insurance Group

Capital Insurance Group

94
/of 100
$87
2
GEICO

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
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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:

  1. Visit the AIPSO website or contact your state's insurance department
  2. Complete an application with a licensed insurance agent or broker
  3. Pay the required premium (typically 1.5-3 times standard market rates)
  4. 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.

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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 Auto Insurance: Bottom Line

If you have poor credit, a history of traffic violations or a high-performance vehicle, you need high-risk car insurance. 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.

Providers like State Farm and Travelers offer competitive rates, with State Farm's starting at $1,459 annually. 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.

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 without overspending.

Compare Auto Insurance Rates

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

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High-Risk Car Insurance: 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?

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?

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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:

  • 2012 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

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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


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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.


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