Best Auto Insurance Companies That Don’t Insure High-Risk Drivers (2021)
You won’t find many major auto insurance companies that don’t insure high-risk drivers. So instead of an application denial, expect auto insurance rates from companies that don’t insure high-risk drivers at competitive prices. Typically, the best auto insurance for bad driving record customers comes from State Farm, American Family, USAA, Progressive, and GEICO.
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UPDATED: Sep 22, 2021
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- There aren’t many auto insurance companies that don’t insure high-risk drivers as new customers
- Rather than deny your application, most providers simply underwrite you unreasonably high quotes
- The best companies for high-risk drivers are State Farm, USAA, American Family, Progressive, and GEICO
While there aren’t many auto insurance companies that don’t insure high-risk drivers, securing cheap rates is a challenge.
Keep reading to learn how to secure affordable premiums even if you need high-risk or bad driving record auto insurance.
Below you’ll compare auto insurance quotes from companies that don’t insure high-risk drivers at affordable rates, but if you enter your ZIP code into our free tool above, you can compare competitive premiums from reputable companies near you.
What are the best auto insurance companies that don’t insure high-risk drivers?
Asking about affordable auto insurance from companies that don’t insure high-risk drivers is a bit misleading, as most companies won’t actually deny a new customer coverage.
Instead, you’ll have to buy auto insurance from companies that don’t insure high-risk drivers at competitive or reasonable prices.
What companies should you avoid if you’re a high-risk driver? Some customers claim that Liberty Mutual Auto Insurance Company refused to renew policies in areas prone to severe weather, like hurricanes and floods.
Another auto insurance company that doesn’t insure high-risk drivers at affordable rates is Travelers Auto Insurance Company.
On average, Travelers underwrites quotes for new customers with a single DUI on their record 101% higher than low-risk drivers.
Fortunately, you can secure affordable auto insurance from companies that do insure high-risk drivers but temper your expectations.
The best auto insurance for bad driving record customers still costs more than average.
Of the major national providers, what is the best insurance company for high-risk drivers? Our top recommended auto insurance company that does insure high-risk drivers is State Farm Auto Insurance Company.
State Farm offers discounts that mitigate the impact of poor driving, including:
- Defensive driver discounts
- Drive Safe & Save and Steer Clear programs
- Multiple policy discounts
- Vehicle safety discounts
American Family Auto Insurance Company is not as active in as many states as State Farm, but the company doesn’t increase rates for traffic infractions as substantially as other providers.
American Family offers you accident forgiveness after five years of remaining accident-free with no significant violations or infractions.
If you want to maintain cheap auto insurance for accidents for drivers with otherwise clean records, look into accident forgiveness programs.
USAA Auto Insurance Company also offers discounts that offset your risky driving behaviors.
But only military personnel are eligible to use its services. However, if you qualify, this provider is worth looking into.
If you need a high-risk auto insurance company, nonstandard companies, agencies, and brokers like The General, Good2Go Auto Insurance Company, and Freeway Insurance are solid options for risky drivers.
If you live in a state that requires SR-22 auto insurance, consider Dairyland Auto Insurance Company, USAA, State Farm, and Erie Auto Insurance Company.
However, suppose no auto insurance company will accept you on the private market.
In that case, you may need to rely on your state’s high-risk insurance pool for coverage through the Automobile Insurance Plan Service Office.
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How much does high-risk auto insurance cost?
The price of your high-risk insurance depends on many different variables.
But you should expect auto insurance quotes from companies that do insure high-risk drivers to cost two to three times more than average.
In the table below, compare how average annual auto insurance rates from companies that do insure high-risk drivers increase based on different traffic violations:
|Driving Citation||Average Annual Auto Insurance Rates||Average Annual Rate Increase|
|With 1 speeding violation||$3,272.95||$693.69|
|With 1 DUI||$5,184.72||$2,605.46|
|With 1 accident||$3,721.56||$1,142.30|
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Because of all of the variables involved, ultimately, comparison shopping is the best way to buy auto insurance from companies that do insure high-risk drivers.
What factors make you a high-risk driver?
Insurance providers use driving factors and non-driving factors to determine who is a high-risk driver.
If you commit just one of the high-risk behaviors listed below in 12 months, then you’re a high-risk driver.
Causing a major accident is one of the most common ways to become a high-risk driver.
According to the National Highway Traffic Safety Administration (NHTSA), in 2020, despite a substantial decrease in the number of average miles driven, fatalities caused by car accidents increased.
The primary causes included impaired driving, speeding, and failure to wear a seatbelt, all of which are considered high-risk driving behaviors.
Other driving factors that make you a high-risk driver include:
- At-fault claims
- DUI offenses
- Reckless driving citations
- Speeding violations
- Street racing
Driving offenses usually remain on your record for three to five years. But rather than terminating coverage after a traffic citation or driving offense, most providers initially raise your rates by a substantial amount.
For example, causing a major accident with a bodily injury liability payout increases your premiums by $700 annually on average.
Non-driving factors that make you a high-risk driver include:
- Bad credit
- Car makes and models
- Coverage lapses
- License points
- Vehicle use
Age is not something any of us can control, but insurance providers call teenagers and senior drivers high-risk because they cause the most accidents.
So, unfortunately, if you’re under the agoe of 25 or older than 70, then you’re considered risky to insure.
However, in some states, it’s illegal to use non-driving factors when calculating auto insurance rates. So lousy credit only makes you high-risk in states that allow credit scores to influence insurance premiums.
But if you use your car for ridesharing or other commercial purposes, a company might deny you outright because of the risks involved.
Again, usually, your rates simply increase to make up for the extra miles you’re driving, especially if you live in an area with a high population density.
Auto Insurance Companies That Don’t Insure High-Risk Drivers: The Bottom Line
Auto insurance is legally required in almost every state, so it makes sense that there aren’t many auto insurance companies that don’t insure high-risk drivers.
If you struggle to find affordable coverage, there are ways to save money on high-risk auto insurance.
First, consider purchasing a basic policy that only includes your state’s minimum required limits.
Take a defensive driving course, focus on improving your credit score, or consider going entirely car-free for a while until some of your offenses fall off your record.
Now that you understand how auto insurance rates from companies that don’t insure high-risk drivers at competitive prices are calculated, enter your ZIP code into our free tool below to compare affordable quotes from the top insurers near you.