Best Auto Insurance Companies for High-Risk Drivers (2021)

The best auto insurance companies for high-risk drivers will vary by driver, but rates for high-risk drivers average an extra $150 a month. High-risk drivers can include drivers with traffic violations, DUIs, poor credit, and those who drive exotic cars. Finding the best car insurance companies for high-risk drivers can be tricky since not every company will offer coverage.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 (BBB A+). 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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 30, 2021

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Things to Remember

  • High-risk drivers can pay around $150 a month for auto insurance
  • Drivers can be considered high risk if they have infractions on their driving record, are young drivers, or even drive exotic cars
  • Some auto insurance companies won’t offer coverage to high-risk drivers

Finding the best auto insurance companies for high-risk drivers can be tricky, and coverage will be expensive when you do find it.

When you’re looking for high-risk auto insurance, shop around to see which company can offer you the best coverage with the lowest rates.

Enter your ZIP code into our free tool to compare rates from the best auto insurance companies for high-risk drivers near you.

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

There are many factors that affect auto insurance rates, and the most significant one is your driving record.

Auto insurance companies are concerned with risk. Drivers that pose a high risk will either be charged much higher rates or denied coverage altogether. This can make it hard to find affordable car insurance for high-risk drivers.

Take a look at this table to get an understanding of just how much your driving record will affect your auto insurance rates.

Average Annual Auto Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One DUI
Allstate$3,819.90$4,987.68$4,483.51$6,260.73
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Farmers$3,460.60$4,518.73$4,079.01$4,718.75
GEICO$2,145.96$3,192.77$2,645.43$4,875.87
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
Nationwide$2,746.18$3,396.95$3,113.68$4,543.20
Progressive$3,393.09$4,777.04$4,002.28$3,969.65
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
Travelers$3,447.69$4,289.74$4,260.80$5,741.40
USAA$1,933.68$2,516.24$2,193.25$3,506.03
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GEICO and State Farm offer the lowest rates to drivers with accidents, tickets, and DUIs on their driving record. High-risk drivers can expect to pay about $150 a month more for auto insurance.

Who is considered a high-risk driver?

What is high-risk insurance called? High-risk auto insurance is sometimes called non-standard insurance. If you are required by your state to have high-risk auto insurance, it’s usually called SR-22 insurance.

However, your driving record isn’t the only thing that makes you a high-risk driver.

Drivers are also considered high-risk if they meet these requirements:

  • Young drivers
  • Older drivers
  • Have poor credit
  • Drive exotic cars
  • Have allowed auto insurance to lapse

Drivers who are young lack experience and are more likely to be in an accident. While older drivers have experience, they can sometimes have medical conditions that can impede their driving.

You might be surprised to know that your credit score can affect your car insurance rates in some states. Insurance companies believe that drivers with a high credit score are more likely to pay out of pocket for damages and avoid filing claims.

The type of car you drive can also cause you to be considered a high-risk driver. Cars that are more expensive to repair or replace will raise your auto insurance rates.

Allowing your auto insurance to lapse is a big red flag. Insurance companies want to know that you will make your payments and drive legally.

In most states, car insurance is required. However, according to the Insurance Information Institute, around 13% of drivers are uninsured.

Driving without insurance can lead to fines, driver’s license suspension, and even jail time. Higher car insurance rates are also a given.

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How can high-risk drivers save money on auto insurance?

There are many ways to lower your auto insurance rates even if you are considered a high-risk driver.

The easiest way to lower rates is to take advantage of auto insurance discounts. Most insurance companies offer a plethora of discounts so there’s bound to be discounts for everyone.

This table shows you the most common auto insurance discounts from some of the top companies. If the amount of the discount is known, it is noted.

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device / AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging / StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axx535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer / New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingN/A$30$233
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Passive Restraint4020x40
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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Another way to save money on your auto insurance is to lower your coverage and raise your deductibles. Although this will save you money, you need to be prepared to have larger out-of-pocket costs in the event of an accident.

You can look for companies that offer auto insurance that don’t check driving records, but that will be hard to find and expensive when you do find it.

Drivers can also improve their credit score, drive a less expensive vehicle, or take defensive driving courses to help lower rates.

Best Auto Insurance Companies for High-Risk Drivers: The Bottom Line

The best auto insurance companies for high-risk drivers will vary from driver to driver, but drivers can also take advantage of discounts to lower rates.

How can I find high-risk car insurance near me? Shop around and compare various companies to see who can offer you the best deal.

Enter your ZIP code to compare free quotes from the best auto insurance companies for high-risk drivers in your area.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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