Top Auto Insurance for High-Risk Drivers in 2024 (Save With These 10 Companies!)
Discover the top auto insurance companies for high-risk drivers with State Farm, USAA, and Allstate. Unraveling their excellence, this article navigates through competitive rates and tailored discounts, providing insights into why these companies stand out as the top choices in the market.
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Jimmy McMillan
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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...
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UPDATED: Feb 28, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Navigate the top auto insurance for high-risk drivers spotlighting the top providers like State Farm, USAA, and Allstate. State Farm emerges as a standout choice with its combination of competitive rates, exceptional customer service, and specialized offerings for military personnel.
Are you looking for cheap auto insurance for high-risk drivers? Being in the high-risk pool drives up your car insurance rates, but there is a way to slow down expensive rates. So how do you get affordable auto insurance for bad drivers? Which insurance companies provide coverage for high-risk drivers? Don’t worry – we’re here to help.
| Company Logo | Rank | See Pros/Cons | Monthly Rates | Multi-Policy | Best For |
|---|---|---|---|---|---|
 | #1 | State Farm | $70 | 10-15% | Many Discounts |
 | #2 | USAA | $55 | 10-15% | Military Savings |
 | #3 | Allstate | $75 | Up to 25% | Add-on Coverages |
 | #4 | Progressive | $130 | 5-15% | Online Convenience |
 | #5 | Nationwide | $120 | 5-15% | Usage Discount |
 | #6 | Liberty Mutual | $80 | Up to 25% | Customizable Polices |
 | #7 | Travelers | $140 | Up to 13% | Accident Forgiveness |
 | #8 | Esurance | $70 | 5-15% | Policy Options |
 | #9 | Mercury | $80 | Up to 15% | Deductible Reduction |
 | #10 | Farmers | $130 | Up to 25% | Local Agents |
Our guide explains where you can find cheap car insurance for high-risk drivers, what factors determine high-risk insurance rates, and how much you’ll pay for high-risk auto insurance.
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: Unveiling the Winning Formula
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
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 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.
Read more: State Farm Car Insurance Review
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#2 – USAA: A Victorious Combination
Pros
- Affordable rates: USAA 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.
Read more: USAA Car Insurance Review
#3 – Allstate: Triumphing With Extra Coverage and Big Discounts
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 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.
Read more: Allstate Car Insurance Review
#4 – Progressive: The Winning Edge Unveiled
Pros
- Online convenience: Progressive 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.
Read more: Progressive Car Insurance Review
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#5 – Nationwide: Where Discounts Meet Versatility and Stability
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.
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.
Read more: Nationwide General Insurance Company: Customer Ratings & Reviews
#6 – Liberty Mutual: Embracing Customization and Generous Discounts
Pros
- Customizable policies: Liberty Mutual offers customizable policies, allowing high-risk drivers to tailor coverage to their unique needs.
- Up to 25% discounts: With the potential for significant discounts, Liberty Mutual 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.
Read more: Liberty Mutual Car Insurance Review
#7 – Travelers: Embracing Accident Forgiveness, Discounts, and Flexibility
Pros
- Accident forgiveness: Travelers offers accident forgiveness, providing high-risk drivers with peace of mind regarding potential rate increases after an accident.
- Up to 13% discounts: The range of discounts available, including accident forgiveness, allows drivers to potentially lower their premiums.
- Flexible policy options: Travelers 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.
Read more: Travelers Car Insurance Review
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#8 – Esurance: Unveiling the Power of Policy Variety and Online Convenience
Pros
- Variety of policy options: Esurance offers a range of policy options, giving high-risk drivers the flexibility to choose coverage that suits their needs.
- 5-15% discounts: Esurance provides discounts that can contribute to reducing monthly premiums for high-risk drivers.
- Convenient online services: Known for its user-friendly online platform, Esurance offers convenient online services, making it easy for customers to manage their policies.
Cons
- Mixed customer reviews: Esurance has received mixed customer reviews, with some expressing satisfaction with services and others reporting less favorable experiences.
- Limited local agents: Esurance may not have as extensive a network of local agents, potentially impacting the level of personalized service for some customers.
Read more: Esurance Auto Insurance Review
#9 – Mercury: Competitive Discounts and Deductible Reduction
Pros
- Up to 15% discounts: Mercury 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.
Read more: Mercury Auto Insurance Review
#10 – Farmers: Harvesting Discounts and Local Support
Pros
- Up to 25% discounts: Farmers 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.
Read more: Farmers Car Insurance Review
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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.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| State Farm | $70 | $160 |
| USAA | $55 | $130 |
| Allstate | $75 | $180 |
| Progressive | $130 | $300 |
| Nationwide | $120 | $260 |
| Liberty Mutual | $80 | $200 |
| Travelers | $140 | $320 |
| Esurance | $70 | $160 |
| Mercury | $80 | $180 |
| Farmers | $130 | $300 |
Which companies provide cheap auto insurance quotes for high-risk drivers?
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.
| Company | Monthly Rates |
|---|---|
| The General | $363 |
| Geico | $206 |
| State Farm | $292 |
| Allstate | $429 |
We included the average monthly rate to give you an idea of how expensive high-risk auto insurance rates can look. But these rates are only estimates, so your car insurance rates could be cheaper.
Are there 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:
What is high-risk insurance called?
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.
What factors 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.
| Driving Factors | Non-Driving Factors |
|---|---|
| At-fault claims | Bad credit |
| Speeding tickets | Age |
| Reckless driving | Location |
| Racing | Gaps in coverage |
| DUI | Vehicle use |
| Vehicle type | |
| License points |
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
How does age make me an at-risk driver?
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.
Why is my first auto insurance policy so expensive?
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.
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How much is auto insurance based on high-risk factors?
Now that you have seen high-risk factors, let’s see how some of these factors affect car insurance rates on average.
| Summary | 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).
How long does my high-risk status last?
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.
Does high-risk auto insurance vary 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.
| States | Most Affordable High-Risk Auto Insurance Companies | Monthly High-Risk Insurance 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.
Can I save money on auto insurance as a high-risk driver?
Yes, you can. Your high-risk driving status does not disqualify you for discounts. Ask your insurance company about any available deals. You can get at least 15% off for safety and anti-theft features on your car. Also, consider taking a defensive driver course, so you can save a little more on auto insurance per month.
How do I reduce my high-risk profile?
It depends on your high-risk factors. For example, car insurance rates will get cheaper as you get older. And drivers with a gap in coverage or no insurance history can improve their risk profile by maintaining an auto insurance policy.
You can even reduce your risk profile by purchasing a safer or bigger vehicle.
But the best way to lower your risk is to keep a good driving record. Minimize traffic violations and accidents, and you will keep your license points and improve your driving record in no time.
How do you get auto insurance if companies won’t cover you?
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
Case Study 1: Tailored Coverage Solutions for High-Risk Drivers
Sarah, a high-risk driver with a history of accidents and traffic violations, faced rejection from traditional insurers due to her challenging driving record. State Farm stepped in with a solution that involved crafting a personalized policy tailored to Sarah’s specific driving habits and risk factors. Offering competitive rates designed for high-risk drivers, State Farm provided comprehensive coverage to address potential risks and ensure financial protection. This case illustrates State Farm’s adaptability and commitment to serving the unique needs of high-risk drivers, allowing Sarah to secure affordable auto insurance coverage.
Case Study 2: Military Savings and Exceptional Service for High-Risk Drivers
Mark, a military service member with a less-than-ideal driving record, encountered difficulties in finding affordable auto insurance. USAA recognized the distinct circumstances of military personnel and responded with exclusive military savings tailored to Mark’s service status. Coupled with exceptional customer service guiding Mark through the insurance process, USAA demonstrated a commitment to providing customized coverage options that align with the unique needs of military members. This case highlights how USAA supports military personnel in various circumstances, offering savings and exceptional service to high-risk drivers like Mark.
Case Study 3: Add-On Coverages for Enhanced Protection
James, a high-risk driver with a history of accidents, sought auto insurance coverage that went beyond the standard. Facing limited options from insurers willing to provide comprehensive add-ons, James turned to Allstate. Allstate’s solution involved crafting a customized policy with add-on coverages for enhanced protection. These options included accident forgiveness and extended liability coverage, addressing James’s specific concerns related to his high-risk status. This case emphasizes the importance of insurers like Allstate offering comprehensive solutions to high-risk individuals, allowing them to secure policies that go beyond basic protection and provide peace of mind.
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. The best place to look for affordable auto insurance for high-risk drivers is in your area. Use our free online quote tool to compare multiple insurance companies near you.
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.
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.
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.
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.
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.
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Jimmy McMillan
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...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
