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Best cheap high-risk car insurance

State Farm is the best and most affordable car insurance company for high-risk drivers, including after an accident or speeding ticket.

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By

Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Expert reviewed

Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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By

Ian Bloom, CFP®, RLP®

Ian Bloom, CFP®, RLP®

Certified Financial Planner

Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated|6 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Car insurance for high-risk drivers is more expensive than it is for someone with a clean record. A high-risk driver is anyone with a red flag on their record, like a recent at-fault accident or a ticket for speeding or another violation. Being a new teenage driver or having poor credit can also put you in the high-risk category for car insurance.

There’s no specific product called high-risk car insurance, it’s just regular car insurance for drivers who are considered riskier to insure than the average car-owner.

Rates are higher for high-risk drivers, but it’s still possible to find affordable car insurance by comparing quotes and shopping around. We found that State Farm has cheap car insurance for lots of different types of high-risk drivers.

Cheapest car insurance for high-risk drivers

State Farm has the cheapest car insurance for many different types of high-risk drivers. With a monthly rate of $125, State Farm is $1,011 cheaper than average per year for drivers with a violation.

We found that, of nationally-available companies, State Farm is the cheapest car insurance company for drivers who have been in an at-fault accident. It’s also the most affordable auto insurance for high-risk drivers with a DUI, speeding ticket, or a citation for driving with a suspended license.

A bar graph of the cheapest car insurance companies for high-risk drivers.

On average, high-risk car insurance costs $209 per month. We found 12 companies where you can get high-risk car insurance quotes that are cheaper than $209 per month.

Compare rates and shop affordable car insurance today

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Company

Average monthly cost

Average annual cost

State Farm

$125

$1,495

USAA

$133

$1,594

NJM

$135

$1,621

MAPFRE

$139

$1,665

Erie

$139

$1,666

Auto-Owners

$151

$1,813

Travelers

$163

$1,954

GEICO

$166

$1,992

Farm Bureau

$169

$2,029

COUNTRY

$174

$2,091

American Family

$177

$2,129

Nationwide

$199

$2,382

Cost of full-coverage car insurance for high-risk drivers from all companies that offer cheaper-than-average rates.

Are there high-risk insurance companies?

There are a few companies that specialize in offering car insurance to high-risk drivers with multiple violations on their records, or drivers who are required to have an SR-22 or FR-44.

These high-risk car insurance companies can be expensive, but depending on your record they might be the only place where you can get insurance. Some popular high-risk auto insurance companies include:

  • Bristol West

  • Dairyland

  • Direct Auto

  • Freeway Insurance

  • The General

  • State Auto

  • National General

  • UAIC

As a last resort, some states have assigned-risk insurance pools that provide car insurance to drivers who can’t get coverage anywhere else. Participating companies have to offer coverage to anyone who applies.

→ Read more your options if you can’t afford car insurance

What makes someone a high-risk driver?

A “high-risk driver” is just someone who insurance companies think is more likely to make a claim. Being considered more of a risk to insure means it’s harder to find affordable insurance.

High-risk drivers are often people with a history of dangerous driving behavior including at-fault accidents, speeding tickets, DUI citations, or other moving violations.

But you can be a good driver and still be considered high-risk by car insurance companies. You may also be a high-risk driver if you:

  • Haven’t been licensed for very long

  • Don’t have a credit history or have poor credit

  • Did not have insurance coverage for a period of time

  • Were caught driving uninsured or with a suspended license

→ Read more about what can affect your car insurance rates

Best car insurance for high-risk drivers: State Farm

State-Farm-Wide

Best high-risk car insurance

  • Our rating: 3.8/5 ★

  • Cost for high-risk drivers: $125/month

  • Number of complaints: Low

  • Claims satisfaction: High

State Farm is the best auto insurance company for high-risk drivers. Along with other more minor violations, State Farm offers the cheapest car insurance to high-risk drivers who have:

  • Been in an accident

  • Gotten a speeding ticket

  • Received a DUI or DWI citation

  • Driven with a suspended license

Aside from low rates for high-risk drivers, State Farm has great customer service (and receives fewer complaints than average for the industry). [1] State Farm also earns high marks from its customers for resolving claims smoothly. [2]

But the best insurance for high-risk drivers will depend on each person's record (along with the normal factors that affect your car insurance rates, like where you live and what kind of car you drive). Since rates will vary by company, it's especially important for high-risk drivers to find their top insurance choice.

Compare rates and shop affordable car insurance today

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Cheapest high-risk car insurance after an accident

While NJM is the cheapest car insurance for high-risk drivers who have been in one at-fault accident, it’s only available in a handful of states. State Farm, which also has cheap coverage after an accident, is available in almost every state, making it a good option for most drivers.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Company

Average monthly cost

Average annual cost

NJM

$111

$1,337

State Farm

$116

$1,398

MAPFRE

$122

$1,469

USAA

$129

$1,549

Erie

$138

$1,651

Auto-Owners

$145

$1,738

Travelers

$159

$1,907

Farm Bureau

$163

$1,961

COUNTRY

$170

$2,043

GEICO

$173

$2,071

Most affordable high-risk insurance after an accident by state
StateCheapest companyAverage monthly cost
AlabamaUSAA$129
AlaskaState Farm$96
ArizonaState Farm$118
ArkansasState Farm$94
CaliforniaWawanesa$124
ColoradoAmerican National$103
ConnecticutGEICO$99
DelawareTravelers$113
District of ColumbiaState Farm$146
FloridaState Farm$157
GeorgiaAuto-Owners$116
HawaiiState Farm$97
IdahoState Farm$56
IllinoisPekin$77
IndianaUSAA$91
IowaState Farm$68
KansasState Farm$104
KentuckyFarm Bureau$169
LouisianaState Farm$159
MaineState Farm$74
MarylandUSAA$110
MassachusettsUSAA$119
MichiganUSAA$147
MinnesotaState Farm$94
MississippiState Farm$109
MissouriUSAA$87
MontanaState Farm$97
NebraskaAuto-Owners$125
NevadaState Farm$114
New HampshireState Farm$81
New JerseyNJM$111
New MexicoState Farm$86
New YorkKemper$119
North CarolinaErie$70
North DakotaState Farm$90
OhioState Farm$72
OklahomaState Farm$99
OregonState Farm$90
PennsylvaniaState Farm$95
Rhode IslandState Farm$109
South CarolinaAmerican National$81
South DakotaState Farm$105
TennesseeState Farm$84
TexasKemper$107
UtahState Farm$121
VermontState Farm$63
VirginiaState Farm$83
WashingtonPEMCO$96
West VirginiaState Farm$98
WisconsinState Farm$80
WyomingUSAA$106

Cheap high-risk car insurance after a DUI

State Farm has the best rates after a DUI. Car insurance is much more expensive following a DUI — even higher than after an at-fault accident — but State Farm costs $1,532 less per year than average for drivers with a DUI.

Company

Average monthly cost

Average annual cost

State Farm

$132

$1,588

NJM

$135

$1,620

MAPFRE

$171

$2,047

Erie

$173

$2,082

USAA

$176

$2,110

Travelers

$177

$2,122

American Family

$179

$2,149

Progressive

$193

$2,318

COUNTRY

$196

$2,355

Auto-Owners

$198

$2,375

Most affordable high-risk insurance after a DUI by state
StateCheapest companyAverage monthly cost
AlabamaState Farm$116
AlaskaState Farm$89
ArizonaState Farm$109
ArkansasState Farm$88
CaliforniaWawanesa$146
ColoradoAmerican National$109
ConnecticutState Farm$107
DelawareState Farm$107
District of ColumbiaState Farm$134
FloridaState Farm$146
GeorgiaState Farm$123
HawaiiState Farm$89
IdahoState Farm$52
IllinoisState Farm$87
IndianaState Farm$84
IowaState Farm$64
KansasState Farm$99
KentuckyState Farm$170
LouisianaState Farm$149
MaineState Farm$68
MarylandGEICO$99
MassachusettsGEICO$152
MichiganProgressive$151
MinnesotaState Farm$88
MississippiState Farm$98
MissouriState Farm$100
MontanaState Farm$92
NebraskaState Farm$138
NevadaState Farm$106
New HampshireUSAA$98
New JerseyNJM$135
New MexicoState Farm$86
New YorkProgressive$99
North CarolinaNational General$236
North DakotaState Farm$84
OhioState Farm$67
OklahomaState Farm$93
OregonState Farm$77
PennsylvaniaState Farm$88
Rhode IslandState Farm$80
South CarolinaAmerican National$89
South DakotaState Farm$100
TennesseeState Farm$78
TexasRedpoint$113
UtahState Farm$112
VermontState Farm$58
VirginiaState Farm$77
WashingtonState Farm$103
West VirginiaState Farm$92
WisconsinState Farm$75
WyomingState Farm$112

Cheap high-risk car insurance after a speeding ticket

We found that State Farm has the cheapest car insurance for high-risk drivers with a speeding ticket on their records. Rates at State Farm after one speeding ticket are $950 less per year than average — a difference of 42%.

Company

Average monthly cost

Average annual cost

State Farm

$110

$1,321

USAA

$112

$1,338

Erie

$118

$1,412

MAPFRE

$122

$1,469

NJM

$135

$1,620

Auto-Owners

$148

$1,775

Farm Bureau

$151

$1,813

Nationwide

$164

$1,969

American Family

$167

$2,005

Travelers

$170

$2,040

Most affordable high-risk insurance after a ticket by state
StateCheapest companyAverage monthly cost
AlabamaUSAA$104
AlaskaState Farm$89
ArizonaState Farm$109
ArkansasState Farm$88
CaliforniaWawanesa$117
ColoradoAmerican National$87
ConnecticutGEICO$82
DelawareState Farm$107
District of ColumbiaErie$120
FloridaState Farm$146
GeorgiaAuto-Owners$112
HawaiiGEICO$65
IdahoState Farm$52
IllinoisPekin$72
IndianaState Farm$73
IowaState Farm$64
KansasState Farm$99
KentuckyProgressive$167
LouisianaState Farm$149
MaineUSAA$60
MarylandUSAA$84
MassachusettsUSAA$99
MichiganUSAA$147
MinnesotaState Farm$88
MississippiState Farm$98
MissouriUSAA$79
MontanaState Farm$92
NebraskaAmerican Family$112
NevadaState Farm$106
New HampshireState Farm$63
New JerseyGEICO$83
New MexicoState Farm$86
New YorkProgressive$112
North CarolinaUtica National$85
North DakotaUSAA$84
OhioState Farm$67
OklahomaState Farm$93
OregonState Farm$77
PennsylvaniaState Farm$88
Rhode IslandState Farm$80
South CarolinaAmerican National$79
South DakotaState Farm$100
TennesseeState Farm$78
TexasState Farm$91
UtahUSAA$111
VermontState Farm$58
VirginiaState Farm$77
WashingtonPEMCO$88
West VirginiaUSAA$88
WisconsinUSAA$70
WyomingUSAA$96

Cheap high-risk car insurance for drivers with bad credit

Although MAPFRE is the cheapest car insurance company for drivers with bad credit, it’s only available in a few states. GEICO, the second-cheapest company for drivers with bad credit— is available everywhere.

Company

Average monthly cost

Average annual cost

MAPFRE

$125

$1,504

GEICO

$157

$1,885

USAA

$170

$2,042

NJM

$176

$2,117

Nationwide

$181

$2,166

COUNTRY

$188

$2,251

Travelers

$210

$2,523

Kemper

$222

$2,663

Farm Bureau

$231

$2,771

Erie

$241

$2,887

Most affordable high-risk insurance for bad credit by state
StateCheapest companyAverage monthly cost
AlabamaSafeway$136
AlaskaUSAA$142
ArizonaGEICO$130
ArkansasUSAA$150
ColoradoGEICO$136
ConnecticutGEICO$105
DelawareGEICO$182
District of ColumbiaGEICO$191
FloridaGEICO$267
GeorgiaGEICO$159
IdahoGEICO$82
IllinoisPekin$109
IndianaGEICO$106
IowaWest Bend Insurance$128
KansasGEICO$123
KentuckyGEICO$173
LouisianaUSAA$207
MaineUSAA$87
MarylandGEICO$105
MinnesotaWest Bend Insurance$137
MississippiNational General$146
MissouriState Farm$115
MontanaGEICO$146
NebraskaNationwide$131
NevadaGEICO$129
New HampshireUSAA$105
New JerseySelective$169
New MexicoGEICO$123
New YorkGEICO$136
North CarolinaNational General$83
North DakotaUSAA$118
OhioGEICO$96
OklahomaUSAA$146
OregonGEICO$137
PennsylvaniaNationwide$124
Rhode IslandState Farm$165
South CarolinaUSAA$139
South DakotaKemper$114
TennesseeUSAA$129
TexasRedpoint$113
UtahNationwide$143
VermontGEICO$91
VirginiaNationwide$126
West VirginiaUSAA$136
WisconsinGEICO$97
WyomingAmerican National$94

Cheap high-risk car insurance after driving with a suspended license

State Farm has the cheapest high-risk car insurance for drivers who’ve been pulled over with a suspended license. This is one of the costliest roadway violations, but rates at State Farm are $1,596 lower per year than the industry average.

Company

Average monthly cost

Average annual cost

State Farm

$124

$1,485

NJM

$142

$1,706

Erie

$163

$1,954

MAPFRE

$164

$1,967

USAA

$164

$1,972

Travelers

$179

$2,144

Auto-Owners

$183

$2,196

GEICO

$185

$2,224

COUNTRY

$196

$2,355

Farm Bureau

$198

$2,371

Most affordable high-risk insurance after driving with a suspended license
StateCheapest companyAverage monthly cost
AlabamaState Farm$116
AlaskaState Farm$89
ArizonaState Farm$109
ArkansasState Farm$88
CaliforniaWawanesa$117
ColoradoState Farm$115
ConnecticutGEICO$67
DelawareState Farm$107
District of ColumbiaState Farm$134
FloridaState Farm$146
GeorgiaState Farm$123
HawaiiState Farm$89
IdahoState Farm$52
IllinoisState Farm$87
IndianaState Farm$84
IowaState Farm$64
KansasState Farm$99
KentuckyGEICO$104
LouisianaState Farm$149
MaineGEICO$64
MarylandGEICO$90
MassachusettsGEICO$152
MichiganFarm Bureau$166
MinnesotaState Farm$88
MississippiState Farm$98
MissouriState Farm$100
MontanaState Farm$92
NebraskaGEICO$106
NevadaState Farm$106
New HampshireState Farm$91
New JerseyGEICO$83
New MexicoState Farm$86
New YorkKemper$117
North CarolinaFarm Bureau$200
North DakotaState Farm$84
OhioState Farm$67
OklahomaState Farm$93
OregonState Farm$77
PennsylvaniaState Farm$88
Rhode IslandState Farm$80
South CarolinaAmerican National$95
South DakotaState Farm$100
TennesseeState Farm$78
TexasFarm Bureau$94
UtahState Farm$112
VermontState Farm$58
VirginiaState Farm$77
WashingtonState Farm$103
West VirginiaState Farm$92
WisconsinState Farm$75
WyomingState Farm$112

Cheap high-risk car insurance after other violations

We found the monthly cost of car insurance after a few other common violations to see which company is the best for high-risk drivers. 

State Farm is still one of the cheapest high-risk insurance companies, but drivers with other moving violations can also get low rates from USAA and Auto-Owners.

Violation

Company

Monthly rates

Clean record

State Farm

$98

Not at-fault accident

USAA

$93

Driving without lights

USAA

$105

Driving with expired registration

Auto-Owners

$107

Failure to stop at a red light

State Farm

$108

Following too closely

Auto-Owners

$108

Passing a school bus

State Farm

$111

Driving with an open container

State Farm

$115

Reckless driving

State Farm

$124

Hit and run

State Farm

$127

Compare rates and shop affordable car insurance today

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What is the cost of high-risk auto insurance?

Auto insurance for high-risk drivers is $209 per month, or $2,506 each year. That’s an average of $854 more per year than average rates with a clean record. But costs will depend on the company and the specific violation.

As you can see, some moving violations cause car insurance rates to rise much more than others. Here’s how much different moving violations will increase your car insurance rates:

Violation

Average monthly cost

Average annual cost

Clean record

$138

$1,652

Not at-fault accident

$147

$1,768

Driving without lights

$172

$2,064

Driving with expired registration

$172

$2,068

Failure to stop at a red light

$176

$2,110

Following too closely

$177

$2,122

Passing a school bus

$184

$2,211

Speeding ticket

$189

$2,271

Driving with an open container

$204

$2,450

At-fault accident

$212

$2,541

Reckless driving

$250

$2,996

Driving with a suspended license

$257

$3,081

DUI

$260

$3,120

Poor credit

$260

$3,121

Hit and run

$267

$3,207

How to get more affordable car insurance for high-risk drivers

Having an accident or ticket on your record makes auto insurance more expensive, but it’s not impossible to find affordable rates, even if you’re considered a high-risk driver. 

Be sure to shop around for car insurance quotes, compare companies, and switch to a cheaper policy to get the best rates. You should also:

  • Know when to switch providers: If you’re involved in an accident, you shouldn’t switch companies right away out of fear of a rate increase. Your rates won’t go up until the end of your policy’s term. By staying with your existing policy, you avoid a rate increase in the near term.

  • Consider raising your deductible: A higher car insurance deductible — the amount you pay out of pocket on a claim when your car is damaged — makes your insurance cheaper. But with a higher deductible, you’ll pay more in the event you actually have to make a claim.

  • Sign up for safe-driving courses: Many insurance companies offer cheaper car insurance to drivers who take an approved defensive or safe driving course. Look into these classes to help balance out the effects of any past driving violations.

  • Bundle your car insurance: If you get your car insurance from the same company as your home, renters, or motorcycle insurance, most companies will give you a large discount for bundling.

Over time, accidents and traffic violations will eventually fall off your record. As long as you avoid any more accidents and tickets, insurance companies won’t consider you a high-risk driver forever. 

Auto insurance companies typically consider the last three to five years of your driving history when setting your rates, so even if a violation stays on your motor vehicle record (MVR) for longer, it will stop affecting your car insurance rates.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Frequently Asked Questions

Are there any companies that don't check your driving record?

No, every insurance company checks your driving record when applying for coverage. But some companies are more likely to offer cheap coverage to high-risk drivers. This is because companies all weigh your driving history differently.

What makes car insurance high-risk?

You need to have high-risk car insurance if your rates are higher than average because your insurance company believes you’re more likely to make a claim. The car insurance policy itself isn’t really “high-risk,” but the driver is.

Will big insurance companies insure a high-risk driver?

Yes, large insurance companies, including State Farm, GEICO, and others, often insure high-risk drivers. You might have to speak directly with an agent or broker to get a quote, though. If you have multiple violations on your record, you may have to turn to smaller companies that specialize in insurance for high-risk drivers.

How long do you stay on high-risk auto insurance?

You’ll have to stay on high-risk auto insurance and pay more for coverage until companies don’t think you’re more likely to make a claim. This could mean that you’ll have to wait a few years after an accident or a ticket, or that you’ll have to improve your credit score before you’re no longer high-risk.

Methodology

Policygenius found the cost of car insurance for high-risk drivers using rates provided by Quadrant Information Services. These rates were from every ZIP code in all 50 states and the District of Columbia, and were for a 30-year-old driver of a 2017 Toyota Camry. The rates we used in this study had the following limits:

  • Bodily injury liability: $50,000 per person/$100,000 per incident

  • Property damage liability: $50,000 per person

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per incident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

To find the cost of high-risk car insurance, we found the average cost of car insurance for a driver with poor credit or one driving violation on their records. The driving violations we used were:

  • At-fault accident

  • Driving with a suspended license

  • Driving with an open container

  • Driving with expired registration

  • Driving without lights

  • DUI

  • Failure to stop at a red light

  • Following too closely

  • Hit and run

  • Not at-fault accident

  • Passing a school bus

  • Reckless driving

  • Speeding ticket

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of our

editorial standards.
  1. National Association of Insurance Commissioners

    . "

    Complaint Index

    ." Accessed September 09, 2022.

  2. J.D. Power

    . "

    Auto Insurance Claims Satisfaction Study

    ." Accessed September 22, 2022.

Authors

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Expert reviewer

Certified Financial Planner

Ian Bloom, CFP®, RLP®

Certified Financial Planner

gray twitter icon linkgray linkedin icon link

Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

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