Best Auto Insurance for High-Risk Drivers in 2026 (List of the Top 10 Providers)
State Farm, USAA, and Allstate are the best auto insurance for high-risk drivers, with rates starting at just $55. These companies provide comprehensive coverage options and exceptional customer service tailored to meet the unique needs of high-risk drivers, ensuring reliable protection and support.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Jimmy McMillan
Updated December 2024
6,590 reviewsCompany Facts
Full Coverage for High-Risk Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
6,590 reviews11,640 reviewsCompany Facts
Full Coverage for High-Risk Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
11,640 reviewsThe top picks overall for the best auto insurance for high-risk drivers are State Farm, USAA, and Allstate, with USAA leading the pack with the most affordable rates starting at just $55. These providers offer comprehensive policies that specifically cater to drivers who face higher premiums due to their driving records.
State Farm stands out with its blend of competitive pricing and excellent customer service, making it an ideal choice for those seeking quality coverage. Explore your options with these top-rated companies to secure the best possible insurance solution tailored to your needs.
Our Top 10 Company Picks: Top Auto Insurance for High-Risk Drivers
| Company | Rank | Multi-Vehicle Discount | Multi-Policy Discounts | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | 17% | Many Discounts | State Farm |
 | #2 | 10% | 10% | Military Savings | USAA |
 | #3 | 25% | 25% | Add-on Coverages | Allstate |
 | #4 | 12% | 10% | Online Convenience | Progressive |
 | #5 | 20% | 20% | Usage Discount | Nationwide |
 | #6 | 25% | 25% | Customizable Polices | Liberty Mutual |
 | #7 | 8% | 13% | Accident Forgiveness | Travelers |
 | #8 | 25% | 10% | Policy Options | The Hartford |
 | #9 | 25% | 15% | Deductible Reduction | Mercury |
 | #10 | 20% | 25% | Local Agents | Farmers |
Continue reading to learn more about auto insurance for high-risk drivers. Enter your ZIP code in the free comparison tool above to see quotes from the top auto insurance providers in your area.
#1 – State Farm: Top Overall Pick
Pros
- Competitive Rates: State Farm offers competitive rates, making it an attractive option for high-risk drivers looking for affordable coverage.
- Many Discounts: With a range of discounts available, State Farm car insurance review provides opportunities for high-risk drivers to save on their premiums.
- Tailored Coverage Options: State Farm goes beyond affordability, offering comprehensive coverage options tailored to the unique needs of high-risk drivers.
Cons
- Average Customer Satisfaction: While State Farm is known for its competitive rates, some customers have reported average satisfaction with customer service.
- Limited Online Services: State Farm’s online services may not be as robust as some competitors, which could be a drawback for tech-savvy customers.
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#2 – USAA: Best for Military Savings
Pros
- Affordable Rates: USAA car insurance review consistently provides affordable rates, especially for military members, making it an excellent choice for high-risk drivers seeking budget-friendly options.
- Military Savings: With special discounts for military personnel, USAA stands out as a top choice for service members looking for tailored coverage.
- High Financial Strength: USAA’s A+ A.M. Best rating reflects its strong financial stability, assuring customers of the company’s reliability.
Cons
- Limited Eligibility: USAA membership is limited to military members and their families, excluding a significant portion of the general population.
- Online-Only Services: USAA primarily operates online or via phone, which may be a disadvantage for those who prefer in-person interactions with agents.
#3 – Allstate: Best for Add-on Coverages
Pros
- Additional Coverage Options: Allstate stands out for offering a variety of add-on coverages, allowing high-risk drivers to customize their policies beyond basic requirements.
- Discount Opportunities: Allstate provides up to 25% in discounts, giving drivers the potential to significantly reduce their premiums.
- Low Complaint Level: Allstate car insurance review maintains a low complaint level, indicating a satisfactory customer experience and efficient claims handling.
Cons
- Higher Premiums: Despite discounts, Allstate’s average monthly rates may be relatively higher compared to some competitors, impacting affordability.
- Limited Military Discounts: Allstate does not offer specific discounts for military members, potentially making it less attractive for this demographic.
#4 – Progressive: Best for Online Convenience
Pros
- Online Convenience: Progressive car insurance review highlighted that it is known for its user-friendly online platform, providing high-risk drivers with easy access to quotes, policy management, and claims processing.
- Discount Options: Progressive offers a range of discounts, including online discounts, making it appealing for drivers looking to save on premiums.
- Usage Discount: The usage discount provides an additional incentive for drivers who exhibit safe driving habits.
Cons
- Higher Premiums for High-Risk Drivers: Progressive’s monthly rates for high-risk drivers may be relatively higher compared to some competitors, impacting overall affordability.
- Average Complaint Level: Some customers have reported average satisfaction with Progressive’s customer service, suggesting room for improvement in this area.
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#5 – Nationwide: Best for Usage Discount
Pros
- Usage Discount: Nationwide’s usage discount rewards drivers for safe driving habits, making it an attractive option for those looking to save on premiums.
- Coverage Options: Nationwide provides a variety of coverage options, allowing high-risk drivers to tailor their policies to their specific needs.
- Solid Financial Strength: Nationwide’s financial stability, reflected in its A+ A.M. Best rating, adds a layer of reliability for customers. Check out out comprehensive review “Nationwide General Insurance Company: Customer Ratings & Reviews“
Cons
- Premiums may be Higher: While Nationwide offers discounts, some high-risk drivers may find the monthly rates relatively higher compared to other providers.
- Limited Online Presence: Nationwide’s online services may not be as robust as those of some competitors, potentially affecting the convenience for tech-savvy customers.
#6 – Liberty Mutual: Best for Customizable Polices
Pros
- Customizable Policies: Liberty Mutual offers customizable policies, allowing high-risk drivers to tailor coverage to their unique needs.
- Multi-Policy Discounts: With the potential for significant discounts, Liberty Mutual car insurance review provides opportunities for cost savings on premiums.
- Accident Forgiveness: The inclusion of accident forgiveness can be a valuable feature for high-risk drivers concerned about the impact of accidents on their insurance rates.
Cons
- Average Monthly Rates: While Liberty Mutual offers discounts, some high-risk drivers may find the average monthly rates to be on the higher side.
- Limited Local Agents: Liberty Mutual may have fewer local agents compared to some competitors, which could impact the level of personalized service for certain customers.
#7 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Travelers offers accident forgiveness, providing high-risk drivers with peace of mind regarding potential rate increases after an accident.
- Multi-Policy Discounts: The range of discounts available, including accident forgiveness, allows drivers to potentially lower their premiums.
- Flexible Policy Options: Travelers car insurance review provides flexibility in policy options, allowing high-risk drivers to customize coverage based on their unique needs.
Cons
- Higher Premiums: Travelers’ average monthly rates may be on the higher side for high-risk drivers, impacting overall affordability.
- Limited Discounts: While Travelers offers discounts, the options may be more limited compared to some competitors.
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#8 – The Hartford: Best for Policy Options
Pros
- AARP Partnership: The Hartford offers exclusive benefits and discounts for AARP members, making it a top choice for mature drivers. Explore this informative guide “The Hartford Insurance Company of the Midwest Review“
- Lifetime Renewability: The Hartford guarantees lifetime renewability of policies for eligible drivers, ensuring continued coverage.
- Comprehensive Customer Support: The company is known for its excellent customer service and comprehensive support options, including a 24/7 claims hotline.
Cons
- Higher Premiums: The Hartford’s premiums can be higher compared to some other insurers, particularly for younger drivers.
- Limited Online Services: The Hartford’s online services are not as advanced or user-friendly as some competitors, which can be inconvenient for tech-savvy customers.
#9 – Mercury: Best for Deductible Reduction
Pros
- Multi-Policy Discounts: Mercury auto insurance review offers discounts that can help high-risk drivers save on their monthly premiums.
- Deductible Reduction: The option for deductible reduction provides added flexibility and cost-saving potential for drivers with less-than-ideal records.
- Average Monthly Rates: Mercury’s average monthly rates are competitive, offering affordability for high-risk drivers.
Cons
- Limited National Availability: Mercury’s coverage may be limited in certain regions, restricting access for some customers.
- Mixed Customer Service Reviews: Some customers have reported mixed experiences with Mercury’s customer service, suggesting room for improvement.
#10 – Farmers: Best for Local Agents
Pros
- Multi-Policy Discounts: Farmers car insurance review provides substantial discounts, allowing high-risk drivers to potentially reduce their premiums significantly.
- Local Agents: With a network of local agents, Farmers offers a more personalized approach to customer service, which can be appealing for certain drivers.
- Wide Range of Discounts: Farmers offers a variety of discounts beyond just accident forgiveness, providing multiple avenues for savings.
Cons
- Higher Premiums: Despite discounts, Farmers’ average monthly rates may be relatively higher compared to some competitors.
- Mixed Customer Reviews: Some customers have reported average satisfaction with Farmers’ customer service, indicating variability in service quality.
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Understanding Top 10 Auto Insurance Companies for High-Risk Drivers
The list of top 10 auto insurance companies for high-risk drivers provides valuable insights into the pricing structures for both minimum and full coverage. Delve deeper into our comprehensive guide titled “Top Full Coverage Auto Insurance: What You Need to Know”
Auto Insurance for High-Risk Drivers: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $75 | $180 |
| Farmers | $130 | $300 |
| Liberty Mutual | $80 | $200 |
| Mercury | $80 | $180 |
| Nationwide | $120 | $260 |
| Progressive | $130 | $300 |
| State Farm | $70 | $160 |
| The Hartford | $70 | $160 |
| Travelers | $140 | $320 |
| USAA | $55 | $130 |
Exploring Companies That Provide Best Auto Insurance Quotes
Getting affordable car insurance for high-risk drivers is challenging. Your choices may be limited if you are a high-risk driver. In some cases, you may not be able to get an auto insurance policy through the voluntary market. If you can get a policy, here are the best high-risk insurance companies that could accept your car insurance policy request.
Now that you have seen high-risk factors, let’s see how some of these factors affect car insurance rates on average.
Auto Insurance Rates by High-Risk Factor
| Risk Factor | Monthly Rates |
|---|---|
| Auto Insurance Rates for 15 Miles or More | $125 |
| Auto Insurance Rates for Drivers in their 20s | $135 |
| Auto Insurance Rates for Business Commuting | $138 |
| Auto Insurance Rates for Luxury Cars | $176 |
| Auto Insurance Rates for Sedans | $188 |
| Auto Insurance Rates for Reckless Driving | $196 |
| Auto Insurance Rates for Racing | $203 |
| Auto Insurance Rates for Bad Credit | $237 |
| Auto Insurance Rates for Speeding Tickets | $306 |
| Auto Insurance Rates for At-Fault Accidents | $342 |
| Auto Insurance Rates for DUI Convictions | $410 |
As expected, the high-risk driving factors produce more expensive rates than non-driving factors. Any traffic violation or accident can remain on your driving record for at least two years (depending on where you live).
Other Insurance Companies That Cover High-Risk Auto Insurance
Yes, they are. Dairyland, Safe Auto, and Direct Auto Insurance are three auto insurance companies that provide affordable high-risk car insurance. Some of the smaller non-standard auto insurance companies have private insurance rates. And these companies are likely to accept your car insurance policy request.
Read more:
High-risk car insurance is often called non-standard car insurance. An example of non-standard auto insurance would be non-owners auto insurance. A non-owners car insurance policy provides coverage on a vehicle that the policyholder does not own.
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Factors to Determine High-Risk Auto Insurance Rates
Two types of characteristics affect high-risk car insurance, and they are known as driving and non-driving factors. Let’s get a closer look at the specifics.
High-Risk Driver Factors
| Driving Factors | Non-Driving Factors |
|---|---|
| At-fault claims | Bad credit |
| Speeding tickets | Age |
| Reckless driving | Location |
| Racing | Gaps in coverage |
| DUI | Vehicle use |
| Failure to obey traffic signals | License points |
| Multiple Accidents | Occupation |
Driving factors have the most impact on your auto insurance policy. Age, location, and insurance history are also significant factors when determining car insurance rates.
Read more: Best Auto Insurance Companies After a DUI
Age correlates to driving experience and overall risk. Teens and young adults usually take more risks while driving. Therefore, they’re connected to higher chances of filing car insurance claims. Auto insurance companies anticipate this risk and issue higher than average insurance rates to offset risk.
Auto insurance companies may charge you expensive rates if you have never had insurance before. Think of your car insurance history as credit history, except it is with insurance. You have to build a good insurance history before you start seeing cheaper rates.
Auto insurance companies may see you as a high-risk driver for three years or longer. You will pay more expensive rates as long as you have traffic violations or accidents on your driving record.
High-Risk Auto Insurance by State
Yes, it does. As you compare car insurance, you will notice that some states in America have more affordable auto insurance rates, even for high-risk drivers. Let’s examine another example of how high-risk car insurance varies for each state.
High-Risk Auto Insurance: Monthly Rates & Cheapest Company by State
| States | Cheapest | Rates |
|---|---|---|
| Alabama | Allstate | $91 |
| Alaska | State Farm | $89 |
| Arizona | American Family | $98 |
| Arkansas | Southern Farm Bureau | $83 |
| California | Esurance | $156 |
| Colorado | State Farm | $107 |
| Connecticut | State Farm | $120 |
| Delaware | State Farm | $116 |
| District of Columbia | Erie | $87 |
| Florida | State Farm | $172 |
| Georgia | State Farm | $132 |
| Hawaii | State Farm | $78 |
| Idaho | State Farm | $51 |
| Illinois | State Farm | $89 |
| Indiana | Erie | $62 |
| Iowa | State Farm | $57 |
| Kansas | American Family | $74 |
| Kentucky | State Farm | $80 |
| Louisiana | Southern Farm Bureau | $166 |
| Maine | State Farm | $57 |
| Maryland | Erie | $145 |
| Massachusetts | Geico | $96 |
| Michigan | Nationwide | $334 |
| Minnesota | American Family | $88 |
| Mississippi | Travelers | $95 |
| Missouri | State Farm | $84 |
| Montana | State Farm | $69 |
| Nebraska | State Farm | $72 |
| Nevada | State Farm | $152 |
| New Hampshire | Concord Group | $68 |
| New Jersey | Geico | $126 |
| New Mexico | State Farm | $93 |
| New York | Erie | $225 |
| North Carolina | Nationwide | $115 |
| North Dakota | American Family | $50 |
| Ohio | American Family | $58 |
| Oklahoma | State Farm | $98 |
| Oregon | State Farm | $63 |
| Pennsylvania | State Farm | $77 |
| Rhode Island | State Farm | $96 |
| South Carolina | State Farm | $98 |
| South Dakota | State Farm | $63 |
| Tennessee | State Farm | $77 |
| Texas | Farmers | $96 |
| Utah | Geico | $98 |
| Vermont | State Farm | $67 |
| Virginia | Progressive | $62 |
| Washington | State Farm | $89 |
| West Virginia | Erie | $72 |
| Wisconsin | American Family | $66 |
| Wyoming | State Farm | $68 |
Read more:
- The Full Colorado Auto Insurance Guide [Providers + Coverage]
- The Essential Cheap Iowa Auto Insurance Rates Guide
- Travelers Casualty Company of Connecticut Review
State Farm is the cheapest company overall based on our research. Some states even have high-risk car insurance averages that are much lower than the projected rates in the previous sections. But these auto insurance rates are average estimates that will likely change for each driver who gets an insurance quote. Shop around until you can get the car insurance rates you need.
Ways to Get Auto Insurance if Companies Won’t Cover
Sometimes the best insurance for bad driving records is not found voluntarily. When you cannot find a car insurance company that accepts your policy request, go to your local DMV (or BMV) and ask them to help you get insured.
SR-22 certification may be required, especially if you have a suspended license due to a DUI conviction, too many accidents, or other traffic infractions. Since car insurance is mandatory in most states, the DMV can get you a policy. However, auto insurance rates may be higher than you expect.
Read more: Best Auto Insurance for Drivers With a Suspended License
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Case Studies: Auto Insurance for High-Risk Drivers
These case studies provide insightful examples of how different insurance providers cater to the needs of high-risk drivers:
- Case Study #1– Tailored Coverage Solutions for High-Risk Drivers: Sarah, a high-risk driver, with competitive rates and personalized solutions, ensuring comprehensive protection despite her challenging driving record.
- Case Study #2– Military Savings and Exceptional Service for High-Risk Drivers: Mark, a service member with a less-than-ideal driving record, providing tailored support aligned with his military status.
- Case Study #3– Add-On Coverages for Enhanced Protection: James, a high-risk driver, with add-on coverages like accident forgiveness for enhanced protection and peace of mind, addressing his specific concerns related to his driving history.
This illustrate how insurers like State Farm, USAA, and Allstate cater to the unique needs of high-risk drivers through personalized coverage solutions, exclusive savings, and comprehensive add-ons.
State Farm stands out as the top choice for high-risk drivers, offering personalized policies and comprehensive coverage tailored to individual risk profiles.Ty Stewart Licensed Life Insurance Agent
By understanding and addressing the specific challenges faced by high-risk individuals, these insurers ensure that all drivers have access to affordable and suitable auto insurance coverage. To gain further information, read our guide titled “Top Auto Insurance Coverage: What You Need to Know”
Auto Insurance for High-Risk Drivers: The Bottom Line
Car insurance for high-risk drivers costs more than average. Although it is difficult to secure cheap insurance for bad drivers, you can get affordable auto insurance. To delve deeper, explore our comprehensive guide titled “Compare Insurance Provider Quotes“.
The best place to look for affordable auto insurance for high-risk drivers is in your area. See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.
Frequently Asked Questions
What is high-risk auto insurance?
High-risk auto insurance is coverage specifically designed for drivers who are considered to have a higher risk of accidents or filing claims. This typically includes drivers with a history of traffic violations, accidents, DUI convictions, or drivers who are newly licensed or have poor credit.
Expand your understanding with our “Best Auto Insurance Companies After a DUI“
Which auto insurance companies specialize in providing coverage for high-risk drivers?
Several auto insurance companies specialize in providing coverage for high-risk drivers. Some of the top insurance companies in this space include Progressive, GEICO, Dairyland, The General, and Titan Insurance. These companies have experience working with high-risk drivers and offer tailored coverage options to meet their specific needs.
Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.
What factors should high-risk drivers consider when choosing an auto insurance company?
High-risk drivers should consider several factors when choosing an auto insurance company. These include the company’s reputation, customer service, coverage options, pricing, discounts available, and the flexibility to customize a policy based on individual needs. It’s also important to review the company’s claims process and how they handle high-risk situations.
Can high-risk drivers still find affordable insurance coverage?
Yes, high-risk drivers can still find affordable insurance coverage, although the premiums are generally higher compared to drivers with clean records. Shopping around and comparing quotes from different insurance companies is essential. Additionally, high-risk drivers should explore options for discounts, such as safe driving programs, defensive driving courses, or bundling their auto insurance with other policies.
Do insurance rates for high-risk drivers decrease over time?
Insurance rates for high-risk drivers may decrease over time if they maintain a clean driving record and demonstrate responsible behavior on the road. Each insurance company has its own criteria for determining rates, so it’s important to check with the insurer to understand their specific policies regarding rate adjustments for high-risk drivers.
Discover more by delving into our “Find and Compare Auto Insurance Quotes: Maximize Your Savings.”
How can high-risk drivers improve their driving record and lower insurance rates?
High-risk drivers can take steps to improve their driving record and lower insurance rates over time. This includes obeying traffic laws, avoiding accidents and traffic violations, completing defensive driving courses, and maintaining a good credit score. It’s important to be proactive in demonstrating responsible driving habits and making efforts to improve overall risk factors.
Are there any specific programs or discounts available for high-risk drivers?
Some insurance companies offer programs or discounts specifically tailored for high-risk drivers. For example, they may have safe driving programs where drivers can earn discounts by maintaining a good driving record over a certain period. Other companies may offer discounts for completing defensive driving courses. It’s recommended to inquire about these options when obtaining quotes from insurance providers.
Discover more by delving into our “Do auto insurance companies do background checks?”
Can high-risk drivers switch to standard auto insurance after improving their driving record?
Yes, high-risk drivers who demonstrate an improved driving record may become eligible for standard auto insurance coverage. Each insurance company has its own guidelines and criteria for determining eligibility. It’s advisable for high-risk drivers to contact their insurance provider to discuss their options and explore the possibility of transitioning to standard coverage.
What can I do if my high-risk auto insurance is too expensive?
To lower your high-risk auto insurance costs, consider increasing your deductible, comparing rates from different insurers, combining multiple insurance policies for discounts, improving your driving record, choosing a safer or older car, and asking about available discounts.
Can high-risk drivers be added to a family auto insurance policy?
Yes, high-risk drivers can be added to a family policy. This might be cheaper than getting a separate policy and simplifies management. Benefits include potential discounts for multiple drivers and continuous coverage that can help improve the driver’s risk profile over time.
Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.
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