Insurance Companies For Bad Drivers

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State Farm, USAA, Nationwide, Geico, Progressive and Travelers are the best high risk auto insurance companies for drivers with violations such as tickets

Insurance Companies For Bad Drivers

Written by: Daniel Robinson Written by: Daniel Robinson Writer Daniel is a Guides team writer and has written for numerous motoring news sites and marketing firms across the US, UK and Australia, specializing in car finance and automotive topics. Car care. Daniel is a Guides team authority on auto insurance, loans, warranty options, auto services and more.

Best Car Insurance Companies Of November 2023

Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a Guides 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, we at The Guides Team took an in-depth look at a variety of providers. We 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.

In general, drivers in this category pay more for coverage. Below, we’ll explain what makes these six auto insurers affordable options for high-risk drivers.

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The Guides team is committed to providing reliable information to help you make the best possible decision about your vehicle insurance. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our ranking of the best car insurance companies. We collected data on dozens of auto insurance providers to rate companies on a wide range of ranking factors. After 800 hours of research, the final result was an overall rating for each provider, with insurers scoring the most at the top of the list.

High-risk category drivers may be there for a single reason or a combination of many. Possible high risk factors include:

These risk factors are mostly what the best high risk auto insurance companies use when setting premiums as 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 insurers as they have a lower probability of filing a claim. As a result, they tend to 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 trouble finding coverage at all.

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*Note: Unless otherwise stated, 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 national averages for the standard driver profile of a 35-year-old with a clean driving record and good credit, unless otherwise noted.

In most cases, high-risk car insurance will cost significantly more than the average annual auto insurance premium of $1,730 for comprehensive coverage. Your risk factors can add to your premium depending on the reason and the provider.

The table below shows the average rates of major providers for high-risk drivers. Those numbers are based on combined averages for several risk factors: a younger 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 count all violations and risk factors slightly differently. This means that the provider that offers the cheapest rates for high-risk drivers in one category may not work well for drivers in other groups.

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Being guilty of driving under the influence (DUI) or driving while intoxicated (DWI) is serious enough to carry criminal penalties in many states. It is also likely to significantly increase your car insurance premium. In the table below, you’ll find the lowest average car insurance rates for drivers with a DUI.

The best high risk auto insurance companies assign different levels of severity to speeding tickets based on a driver’s recorded speed over the speed limit. Any speeding ticket or traffic violation will likely increase your rate, but the increase will be higher if you have a more serious violation.

The table below shows some average charges for ticketing drivers for speeding 21 to 25 mph over the speed limit.

Depending on your provider and policy, an at-fault accident may not cause your premium to go up much. However, having multiple car accidents in your driving history will almost always cause your rate to increase. You will find the average rates for drivers with three accidents on their driving records in the table below.

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Young drivers are statistically much more likely to be involved in crashes. As a result, teenage drivers face some of the highest car insurance rates, even if they have a clean driving record. The table below shows the providers with the most affordable average rates for drivers aged 16 to 19.

The above categories aren’t the only ones that affect your car insurance rate. Insurers also use the following variables to determine the rates they charge:

Those with poor driving records often pay more for car insurance, but they have access to the same coverage as other drivers. The best high risk auto insurance companies offer a similar 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 types of coverage. Standard insurance coverages include:

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The best high risk auto insurance companies also offer optional coverages. Combining state required liability and personal injury protection with the following options gives you what is known as full coverage auto insurance:

Most insurers offer other non-standard insurance options, such as roadside assistance, rental car reimbursement and accident forgiveness. These can provide extra peace of mind and support, but will also add to your total cover cost.

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 Professionals Competitive rates for many high-risk drivers Many discounts Large network of offices and insurance agents Cons Not available in Massachusetts or Rhode Island

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The nation’s largest insurer is our Editors’ Choice pick in our overall insurance survey. Because of consistently low average rates for high-risk drivers and wealth of discounts, State Farm is also our top choice for high-risk auto insurance.

Drivers who have just received their license and parents with younger drivers in their families can take advantage of some discounts designed just for them.

In August 2022, we conducted a survey of 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 were 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 Only available 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 eligible high-risk drivers (military members, veterans, and their spouses and children), USAA is likely one of the cheapest options available. The provider also has some of the highest customer satisfaction ratings in the industry and has received the highest score in nearly every region on the J.D. Power 2022 US Auto Insurance Study ℠. Due to USAA’s eligibility restrictions, she was not included in the study.

Less than 6% of respondents to our August 2022 customer satisfaction survey reported having USAA auto policies, but those who did were very satisfied. USAA scored third highest in overall satisfaction, receiving an average of 4.3 and exceeding the industry average of 4.2.

Our team found that nationwide average rates for high-risk drivers are competitive overall. 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. Nationwide also maintains a stellar reputation with rating organizations such as AM Best and the Better Business Bureau (BBB).

In our customer satisfaction survey, only about 3% of respondents reported being insured by Nationwide. The company received an overall satisfaction rating of 4.1, just 0.1 below the industry average.

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Teen drivers typically face some of the highest premiums in the insurance industry, making it somewhat difficult to find affordable coverage for them. However, Geico offers relatively inexpensive auto insurance for new drivers. Combined 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 respondents had Geico car insurance policies. In general,