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State Farm, USAA, Nationwide, Geico, Progressive and Travelers are the best high-risk auto insurance companies for drivers with violations like tickets
Car Insurance Companies For Bad Driving Record
Written by: Daniel Robinson Written by: Daniel Robinson The Writer Daniel is a Guides team writer and has written for many automotive news sites and marketing companies across the US. Daniel is a Guides team authority on auto insurance, loans, warranty options, auto services and more. Writer
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Edited by: Rashawn Mitchner Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a Guides team editor with more than 10 years of experience covering personal finance and insurance topics. Senior Editor
For our review of the best high-risk car insurance companies, we at the Guides team took an in-depth look at a range of providers. We rank 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.
Drivers in this category will generally pay more for coverage. Below, we’ll explain why these six auto insurers are affordable options for high-risk drivers.
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Can Drivers With A Bad Record Get Cheap Car Insurance?
The Guides team is dedicated to providing reliable information to help you make the best decision about insuring your car. Because consumers rely on us to provide objective and accurate information, we’ve created a comprehensive rating system to formulate our rankings of the best auto insurance companies. We collected data on dozens of auto insurance providers to rate these companies on a wide range of ranking factors. After 800 hours of research, the result is an overall rating for each provider, with the insurers that scored the most points on the list.
Drivers may be in the high-risk category for one reason or a combination of many. Potential high-risk factors include:
These risk factors are largely what the best high-risk auto insurance companies use 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 insurers because they are less likely to file 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 motorists will almost certainly have higher premiums and may have trouble finding coverage.
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*Note: Unless otherwise noted, the average rates quoted in this article are for full car insurance coverage. Price data for high-risk drivers use the profile of a 35-year-old male driver unless otherwise noted. We compare rates to national averages for the typical 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 costs 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 top providers’ average rates for high-risk drivers. These figures are based on combined averages for several risk factors: a younger driver with a DUI, a ticket for driving 21-25 mph over the speed limit and three accidents.
The best high-risk car insurance companies count violations and risk factors quite differently. That means 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 convicted of driving under the influence (DUI) or driving while intoxicated (DWI) is serious enough to garner criminal penalties in many states. Your car insurance premium will also likely increase significantly. 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 varying degrees of severity to speeding tickets based on a 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 a more serious violation.
The following table shows some average rates for drivers ticketed for 21 to 25 mph over the speed limit.
Depending on your provider and policy, an accident may not cause your premium to increase too much. However, having multiple car accidents in your driving history will almost always cause your rate to increase. You can see average rates for drivers with three accidents on their driving records in the table below.
Cheap Car Insurance For 18 Year Olds
Younger drivers are statistically more likely to crash. As a result, teen drivers face some of the highest car insurance rates, even if they have clean driving records. The table below shows the providers with the most affordable average rates for 16-year-old drivers.
The categories above are not 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 range of coverage options that most drivers have access to. You’ll also find coverage options that can be added to your auto 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 coverage includes:
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The best high risk auto insurance companies also offer optional coverages. Combining the required state liability and damage protection with the following options gives you what is called full coverage auto insurance:
Most insurers offer other non-standard insurance options, such as roadside assistance, rental car reimbursement, and accident forgiveness. These can offer peace of mind and additional support, but they also add to your overall cost of 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.
The nation’s largest insurer was our pick for best customer experience in our overall insurance study. Its consistently low average rate for high-risk drivers and its wealth of discounts with its Drive Safe and Save program also make State Farm our top pick for high-risk auto insurance. State Farm offers a reputable roadside assistance program for high-risk drivers.
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Drivers who just got their licenses and parents with younger drivers in their households can get some discounts designed just for them.
Pros A++ Financial Strength Rating from AM Best Good Discount Opportunities for Students and Teens Usage-Based Insurance Discount There are many local insurance agents throughout the US. this. Not available in Massachusetts or Rhode Island Mixed State Farm Insurance Reviews
In August 2022, we conducted a survey of 6,923 drivers to learn more about their satisfaction with their auto 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 happy with the company, giving it an average overall satisfaction rating of 4.2 out of 5.0.
For high-risk eligible drivers (members of the military, 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, receiving top marks in nearly every area on the J.D. This is Power 2022 US. Auto Insurance Study ℠. Due to USAA eligibility restrictions, it was not ranked in the study.
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Pros Affordable rates High performance in JD Power customer surveys Top rated mobile app A++ Financial rating Cons Not available for everyone SafePilot only available in 25 states Not the cheapest option after a DUI
Less than 6% of respondents to our August 2022 customer satisfaction survey reported having USAA car policies, but those who did were highly 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 average rates for high-risk drivers across the country are generally competitive. However, the company has some of the cheapest average rates for drivers with extreme speeding tickets, making it a particularly attractive choice for this group. Nationwide also maintains an excellent reputation with rating organizations such as AM Best and the Better Business Bureau (BBB). Drivers can also save with Nationwide’s SmartRide telematics program, which rewards drivers for safe driving.
Pros Car insurance coverage available in 46 states Many standard and add-on car insurance options Offers usage-based insurance A+ rating from BBB and AM Best Cons More than average cost of insurance Mixed customer reviews
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In our customer satisfaction survey, only about 3% of respondents reported that they were insured by Nationwide. The company received an overall satisfaction rating of 4.1, just 0.1 below the industry average.
Teen drivers often face several
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