Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 20, 2021

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The Lowdown

  • USAA has the lowest rates for drivers with a speeding ticket
  • GEICO has the lowest rates for drivers with an accident
  • Driving and non-driving factors can impact rates

Auto insurance companies offer coverage to high-risk drivers at significantly higher rates. USAA and GEICO offer the lowest rates for high-risk drivers, but it depends on the factors that apply to you.

Knowing what impacts rates will help you find coverage from the best car insurance companies for high-risk drivers.

Before learning about the best auto insurance companies for high-risk drivers, enter your ZIP code to find free car insurance quotes from providers in your area.

What are the best auto insurance companies for high-risk drivers?

Comparing auto insurance rates from the best auto insurance companies for high-risk drivers will help you find the most affordable coverage. The following chart shows the annual full-coverage rates based on the company and driving record:

Average Annual Full-Coverage Rates from the Best Auto Insurance Companies for High-Risk Drivers by Company and Driving Record
CompanyAverage Annual Rates for Drives with a Clean RecordAverage Annual Rates for Drivers with One Speeding TicketAverage Annual Rates for Drivers with One Accident
Allstate$1,921$2,519$2,752
GEICO$1,405$1,734$1,971
Nationwide$1,485$1,734$1,745
Progressive$1,509$1,826$2,231
State Farm$1,457$1,590$1,675
USAA$1,225$1,463$1,742
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As you can see, companies weigh infractions differently. USAA has the lowest rates for those with a speeding ticket, and GEICO is the cheapest option for drivers with an accident.

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What factors impact auto insurance rates for high-risk drivers?

There are various driving and non-driving factors that impact your auto insurance rates. Understanding these factors will help you find the best affordable auto insurance companies for high-risk drivers.

Driving factors that will impact your auto insurance rates include:

  • At-fault accidents
  • Speeding tickets
  • Reckless driving
  • Racing
  • DUI

Non-driving factors that will impact your auto insurance rates include:

  • Poor credit
  • Age
  • Location
  • Insurance coverage history
  • Vehicle use
  • Vehicle type
  • License points

Non-driving factors will impact the best auto insurance quotes for high-risk drivers before you even have a driving record. For example, motorcycles are considered riskier than cars, so motorcycle insurance might be more expensive, even before you drive your bike.

After driving for a while, the driving factors will make more of an impact on your rates than non-driving factors. However, the biggest impact on your rates often depends on your state.

For example, companies aren’t allowed to consider poor credit when determining car insurance rates in California.

So while poor credit causes the most expensive auto insurance for high-risk drivers in Maryland, California drivers with an accident will experience higher rates than those with poor credit.

How long are you considered an at-risk driver?

If one or more factors apply to you, how long are you considered a high-risk driver? The good news is that it doesn’t last forever.

As you prove yourself to be a safe and responsible driver, your rates will decrease, and you’ll lose your high-risk label.

How can I lower my rates with the best auto insurance companies for high-risk drivers?

If you are considered a high-risk driver, you’ll experience higher rates than a safe driver. However, there are some ways to lower your rates, even if you’re considered high risk.

The following are some of the best ways for high-risk drivers to lower their rates:

Take a Defensive Driving Course

Auto insurance companies offer discounts for completing defensive driving courses. Companies consider those that complete a course more prepared to drive safer than those that have not completed this type of course.

Improve Your Credit Score

Auto insurance companies use data to determine the riskiest drivers. The collected data shows that drivers with low credit scores are at a greater risk of accidents.

For this reason, drivers with poor credit scores (300 to 579) can pay $105 more per month on average than those with good credit scores (740 to 799).

Avoid Driving

If you’re unable to afford the cost of high-risk driver insurance, you might be better off not driving for a while and reducing your coverage to lower your rates. In the meantime, you can take steps to make yourself a less risky driver, like increasing your credit score and taking a safe driving course.

Compare Multiple Auto Insurance Quotes

As previously mentioned, not all insurance companies weigh infractions equally. Comparing multiple auto insurance quotes will help you find the best rates for your driving record.

What is high-risk insurance called when it’s not listed?

When looking for high-risk auto insurance, you might not find it listed. Many companies within the industry call high-risk coverage “non-standard” auto insurance.

The only difference between this type of coverage and standard coverage is that non-standard rates are higher.

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How can I find the best auto insurance companies for high-risk drivers?

According to the Insurance Information Institute, almost every state requires that drivers carry car insurance. Driving without insurance can result in severe penalties that will cost you more than high-risk insurance. Fortunately, there are other options if you can’t find traditional coverage.

Some companies specialize in high-risk auto insurance. The coverage options are the same as traditional insurance, but the rates are higher. This is an option when you’re considered too risky to insure by most companies.

Another option for high-risk drivers is state-sponsored automobile insurance plans. Since auto insurance is required to drive, many states offer state-sponsored programs to ensure that all drivers can obtain car insurance.

Those looking to buy high-risk drivers insurance will usually find that USAA and GEICO have the lowest rates. But it depends on the high-risk factors that apply to you.

Knowing how to find the lowest rates for your driving record will help you find the best auto insurance companies for high-risk drivers. Start comparing auto insurance rates here for free. Enter your ZIP code above to get free auto insurance quotes in your area.