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The best high-risk auto insurance companies for drivers with ticketed violations are State Farm, USAA, Nationwide, Geico, Progressive, and Travelers.
Best Auto Insurance For High Risk Drivers
Written by: Daniel Robinson, Test Written by: Daniel Robinson Author Daniel is a mentoring team writer and has published articles in the U.S., U.K. and has specialized in auto finance and car care topics for numerous automotive news sites and marketing firms in Australia. Daniel is the leading team authority on auto insurance, loans, warranty options, auto service and more.
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Edited by: Rashawn Mitchner, test Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a Guide team editor with over 10 years of experience covering personal finance and insurance topics.
For our review of the best high-risk auto insurance companies, our guide team took a deep look at the range of providers. We’ve ranked the best car insurance companies in the industry based on coverage options and average rates for drivers who are in high-risk groups due to their age or violations.
Generally, drivers in this category pay more for coverage. Below, we’ll explain what makes these six auto insurance companies affordable options for high-risk drivers.
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The Guide team is committed to providing reliable information to help you make the best possible decision about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we’ve created a comprehensive rating system to create our rankings of the best car insurance companies. We’ve collected data on dozens of auto insurance providers to rank companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurance companies with the highest scores topping the list.
Drivers in the high-risk category can be for a single reason or a combination of several. Potential high-risk factors include:
These risk factors are mostly used by the best high-risk auto insurance companies when setting premiums because they can increase the likelihood that a driver will file a claim. People with very few of these factors are considered low-risk drivers by insurance companies because they are less likely to file a claim. As a result, they pay lower premiums.
People with more than one of these factors may be considered high-risk drivers. These drivers will almost certainly face higher premiums and may have difficulty finding coverage.
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*Note: Unless otherwise noted, the average rates quoted in this article are for full-coverage car insurance. Cost data for high-risk drivers use the profile of a 35-year-old male driver unless otherwise noted. We compare these rates to the national average for a standard driver profile of a 35-year-old with a clean driving record and good credit.
In most cases, high-risk car insurance will cost more than the average annual auto insurance premium of $1,730 for full coverage. Your risk factors may add to your premium depending on the cause and provider.
The table below shows the average rates of leading providers for high-risk drivers. These figures are based on a combined average of several risk factors: a young driver with a DUI, a ticket for driving 21 to 25 mph over the speed limit and three accidents.
The best high-risk car insurance companies measure all violations and risk factors a little differently. This means a provider that offers the cheapest rates for high-risk drivers in one category may not perform well for drivers in other groups.
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A conviction for driving while under the influence (DUI) or driving while intoxicated (DWI) is serious enough to result in criminal penalties in many states. This is likely to increase your car insurance premium significantly. In the chart below, you’ll find the lowest average rates on car insurance for drivers with a DUI.
The best high-risk auto insurance companies assign different levels of severity to speeding tickets based on the driver’s recorded mph over the speed limit. Any speeding ticket or traffic violation will likely increase your rate, but the increase will be higher if you have more serious violations.
The table below shows some average rates for drivers ticketed for going 21 to 25 mph over the speed limit.
Depending on your provider and policy, a no-fault accident may not increase your premium. However, having multiple car accidents on your driving history almost always increases your rate. In the table below you will find the average rates for drivers who have had three accidents on their driving record.
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Younger drivers have a statistically higher number of collisions. As a result, teen drivers face some of the highest rates on car insurance, even if they have a clean driving record. The table below shows the providers with the most affordable average rates for drivers aged 16 and 19.
The categories above don’t just factor into your car insurance rate. Insurance companies also use the following variables to determine the rates they charge:
People with poor driving records pay more for car insurance, but they have access to the same coverage as other drivers. The best high-risk auto insurance companies offer the same set of coverage options that most drivers have access to. You will also find coverage options that can be added to your car insurance policy depending on your provider.
Every state that requires car insurance requires liability coverage, and some states mandate additional coverage types. Standard insurance covers include:
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The best high-risk auto insurance companies also offer optional coverage. Combining state-required liability and injury protection with the following options gives you what’s known as full-coverage auto insurance:
Most insurers offer other nonstandard insurance options, such as roadside assistance, rental car reimbursement, and accident waivers. These can provide peace of mind and additional support, but they will also add to the overall cost of your coverage.
While State Farm is our top pick overall, your best high-risk car insurance company depends on your situation. In addition to different rates, providers offer different coverage options, benefits, and customer service.
State Farm: Editor’s Choice Pros Competitive rates for many high-risk drivers Large network of discount offices and insurance agents Cons Not available in Massachusetts or Rhode Island
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Our pick for Editor’s Choice in our general insurance study is the nation’s largest insurance company. With consistently low average rates and a wealth of discounts for high-risk drivers, State Farm is our top choice for high-risk auto insurance.
Drivers who have recently received their licenses and parents who have young drivers in their household can get many discounts designed for them.
In August 2022, we surveyed 6,923 drivers to learn more about their satisfaction with their car insurance providers. We found that about 19% of respondents had a State Farm policy, making it the most popular insurer in the survey. State Farm customers are generally satisfied with the company, giving it an average overall satisfaction rating of 4.2 out of 5.0.
Pros High customer satisfaction scores Low rates for drivers in most risk categories Cons Available only to military members, veterans and their spouses and children Usage-based insurance not available in California, Delaware or New Jersey
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For high-risk drivers who qualify (military members, veterans and their spouses and children), USAA is one of the cheapest options available. The provider also has some of the highest customer satisfaction ratings in the industry and J.D. Power 2022 US It received top scores in nearly every area in the Auto Insurance Study ℠. Due to USAA’s eligibility restrictions, he was not placed in the study.
Fewer than 6% of respondents to our August 2022 customer satisfaction survey reported having a USAA auto policy, but those who did were very satisfied. USAA scored third highest in overall satisfaction, achieving an average of 4.3 and exceeding the industry average of 4.2.
Our team found average rates across the country to be generally competitive for high-risk drivers. However, the company has some of the cheapest average rates for drivers with serious speeding tickets, making it a particularly attractive choice for that group. It also maintains a nationwide reputation with rating agencies such as AM BEST and The Better Business Bureau (BBB).
In our customer satisfaction survey, only 3% of respondents reported being insured by the entire country. The company received an overall satisfaction rating of 4.1, which is just 0.1 below the industry average.
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Teen drivers face some of the highest premiums in the insurance industry, making it somewhat difficult for them to find affordable coverage. However, Geico offers relatively inexpensive auto insurance for young drivers. With a wide selection of discounts, Geico’s rates are worth checking out if you have teenagers or other young drivers on your auto insurance policy.
Geico was the third most popular provider in our 2022 satisfaction survey. About 16% of Poles had Geico car insurance
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