Best Auto Insurance for High-Risk Drivers in 2025 (Check Out the Top 10 Companies)

Amica, AAA, and Geico offer the best auto insurance for high-risk drivers. High-risk car insurance rates start at $115 per month.

Amica is known for great customer service and flexible coverage. AAA gives discounts to members, helping them save money. Geico has the most affordable rates for many high-risk drivers.

Our Top 10 Company Picks: Best Car Insurance for High-Risk Drivers

Getting quotes from different companies and keeping a good driving record can help you pay less. Understanding impact rates can help drivers secure the best coverage at the lowest price.

Find the best auto insurance rates for high-risk drivers no matter how much coverage you need by entering your ZIP code into our comparison tool.

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#1 – Amica: Top Pick Overall

Pros

• Excellent Customer Service: Amica gets great reviews for keeping customers happy and always providing reliable support, making it a solid choice for high-risk drivers.
• Low Monthly Rates: Amica offers competitive rates at just $120 per month for high-risk drivers needing minimum coverage. Learn more in our Amica insurance review.
• Great Perks: Amica is a great choice for high-risk drivers due to its excellent customer service, solid coverage, fair rates, and discounts.

Cons

• Fewer Discounts: Amica offers fewer discounts than some other companies, which could make it harder for high-risk drivers to save money.
• Limited Availability: Amica isn’t present in every state, so some high-risk drivers might have trouble finding coverage.

#2 – AAA: Best for Competitive Rates

Pros

• Budget-Friendly: AAA provides affordable and reliable options for high-risk drivers. To learn more, check our AAA insurance review.
• Low Monthly Rates: AAA offers a minimum coverage rate of just $130 per month for high-risk drivers.
• Roadside Assistance Benefits: AAA membership comes with excellent roadside help, practical for high-risk drivers when their car breaks down.

Cons

• Limited Online Features: AAA’s digital tools and online quote system are less advanced than those of some competitors for high-risk drivers.
• Membership Requirement: A valid membership is required to access its auto insurance, adding extra yearly costs for high-risk drivers.

#3 – Geico: Best for Customizable Plans

Pros

• Coverage That Fits Your Needs: Geico helps high-risk drivers choose the proper protection at a price that works for them.
• Low Monthly Rates: It keeps insurance affordable, with basic coverage for high-risk drivers starting at just $115 monthly.
• Easy Online Access: Their app and website make managing your policy simple so high-risk drivers can handle everything without stress.

Cons

• Limited Agent Support: Geico mainly works online, so this might not be the best fit if you’re a high-risk driver who likes talking to an agent in person.
• Discount Restrictions: Some discounts are unavailable in all states, affecting savings for high-risk drivers. Find out more in our Geico auto insurance review.

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#4 – Progressive: Best for Diverse Coverage

Pros

• Different Coverage Options: Progressive has different coverage choices for high-risk drivers. You can find more details in our Progressive auto insurance review.
• Budget-Friendly Rates: Progressive keeps it affordable with a $125 monthly rate for high-risk drivers with basic coverage.
• High-Risk Driver Programs: Progressive’s accident forgiveness and Snapshot program help high-risk drivers save on insurance.

Cons

• Higher Premiums for Some: Rates may be higher for certain high-risk drivers based on individual risk factors like age, history, and claims.
• Discount Limitations: Some discounts require telematics participation, which may not be suitable for all high-risk drivers in specific situations.

#5 – State Farm: Best for Trusted Brand

Pros

• Trusted Insurer: State Farm is a well-known and trusted company with strong and reliable coverage for high-risk drivers.
• Affordable Coverage: State Farm has a budget-friendly $118 monthly rate for high-risk drivers, with easy policy payment options.
• Multi-Policy Savings: High-risk vehicle drivers can save by bundling auto insurance with home or other policies. Want more info? Click on this State Farm insurance review.

Cons

• Multi-Policy Discount: The discount for having more than one policy is smaller than what some other companies offer for high-risk drivers.
• Premium Costs: Even with discounts, some high-risk drivers may still pay more for insurance than they expected.

#6 – Erie: Best for High-Risk Acceptance

Pros

• Easy to Work With: Erie excels at helping high-risk drivers when other companies might say no, making it a solid choice.
• Affordable Rates: If you’re a high-risk driver, Erie offers basic coverage for just $110 a month, which is a good deal if you’re on a budget.
• Strong Customer Service: Erie provides excellent customer support, helping high-risk drivers navigate their policies. Our Erie insurance review provides more information.

Cons

• Limited Availability: It’s only available in certain states, which may limit access for some high-risk drivers.
• Fewer Discount Programs: It does not offer as many discounts as larger insurers, which affects high-risk drivers looking for savings.

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#7 – American Family: Best for Flexible Plans

Pros

• Flexible Coverage: American Family gives high-risk drivers coverage that works for them, so they always have the protection they need.
• Low Monthly Rates: American Family’s basic plan has excellent coverage for high-risk drivers for just $122 monthly.
• Great Discounts: It offers many special insurance discounts to help high-risk drivers easily save big on their policy.

Cons

• Limited Availability: It is not available in all U.S. states, which may still be a significant issue for some high-risk drivers seeking coverage options.
• Higher Premiums for Some: Some high-risk drivers may find their rates higher based on their driving history. Read more: American Family Insurance Review.

#8 – Farmers: Best for Customizable Policies

Pros

• Customizable Policies: Farmers allow high-risk drivers to customize their coverage to fit their needs. Need more info? Read our Farmers insurance review.
• Low Monthly Rates: Farmers have competitive insurance rates of $128 per month for high-risk drivers with minimum coverage.
• Strong Customer Support: Farmers have helpful agents who give personal support, which is great for high-risk drivers who like one-on-one help.

Cons

• Higher Base Rates: Farmers’ starting rates are slightly higher for high-risk drivers, especially younger drivers with past accidents, tickets, and violations.
• Discount Complexity: Some discounts have complex eligibility requirements, making it harder for high-risk drivers with violations to qualify.

#9 – Allstate: Best for Broad Coverage

Pros

• Covers High-Risk Drivers: Allstate provides broad coverage options that specifically cater to high-risk drivers needing extra protection.
• Low Monthly Rates: Allstate offers very competitive rates of $130 monthly for many high-risk drivers with only the minimum required coverage.
• Accident Forgiveness: Its accident forgiveness program helps high-risk drivers easily avoid sudden, steep premium increases after accidents.

Cons

• Higher Premiums: Allstate’s rates can be higher for high-risk drivers compared to some competitors.
• Discount Availability: Some discounts are only available in certain states, limiting savings for high-risk drivers. Learn more: Allstate Auto Insurance Review.

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#10 – Liberty Mutual: Best for Comprehensive Options

Pros

• Broad Coverage: Liberty Mutual offers a variety of comprehensive coverage options for high-risk drivers. For full information, click on this Liberty Mutual auto insurance review.
• Low Monthly Rates: Liberty Mutual provides monthly rates of $135 for high-risk drivers with minimum coverage and flexible payment plans.
• Better Car Replacement Program: Their better car replacement option benefits high-risk drivers who may need a vehicle upgrade after an accident.

Cons

• Higher Premiums Overall: Liberty Mutual tends to have much higher base rates for many high-risk drivers, especially in certain states.
• Discount Restrictions: Some discounts require bundling policies, making it harder for high-risk drivers to maximize savings.

Understanding High-Risk Auto Insurance

High-risk car insurance is for drivers who are more likely to file claims due to past accidents, traffic violations, or coverage lapses. These policies come with higher costs and may offer fewer coverage options. Not all insurance companies provide high-risk coverage, so researching your options is important.

High-Risk Drivers Car Insurance Monthly Rates by Provider & Coverage Level

Drivers classified as high-risk may need to meet extra requirements to keep their insurance active. Some companies might ask you to install a tracking device in your car to monitor your driving habits. Others may limit coverage options or require more frequent policy renewals. Understanding these conditions can help you avoid surprises and keep your insurance in good standing.

High-Risk Drivers Auto Insurance Monthly Rates by Age and Driving Record

Even though high-risk car insurance costs more, there are ways to reduce your rates over time. Safe driving, completing a defensive driving course, or maintaining continuous coverage can help improve your record and lower costs. Shopping around for the best provider is key since different companies have different pricing and policies for high-risk drivers.

Read more: How Insurance Companies Calculate Your Car Insurance Rates

Factors that Make You a High-Risk Driver

Insurance companies look at different factors to decide if a driver is high-risk. These can include past accidents where you were at fault, multiple speeding tickets, DUI convictions, reckless driving, and even a low credit score.

They use this information to determine your likelihood of filing a claim, which can affect your insurance rates.

Being labeled high-risk doesn’t mean you’ll always stay that way. Many companies only consider your driving record for the last three to five years. If you avoid accidents and violations during this time, you may qualify for lower rates.

Some insurers also offer programs like defensive driving courses or safe driving discounts that can help you move out of the high-risk category faster.

Read more: What types of car insurance coverage does The General Insurance offer?

Tips for Lowering Your High-Risk Status

If you are considered a high-risk driver, there are ways to improve your status and lower your insurance costs. Driving safely, avoiding accidents, and following traffic laws can help you build a better record over time.

Taking a defensive driving course or choosing a policy with a company that specializes in high-risk drivers may also help you get lower rates.

Read more: Do I need multiple policies to get enough coverage?

Safe Driving Habits to Adopt

Safe driving habits can help lower your risk level and improve your standing with insurance companies. Following traffic laws, like obeying speed limits and stopping at red lights, shows that you are a responsible driver. Simple actions like using turn signals and yielding to pedestrians can also make a big difference in staying safe on the road.

Let’s see your money-saving moves when you bundle your home and auto policies under our roof. https://t.co/mCsqNLzgey pic.twitter.com/juDkjXSHz8

— American Family Insurance (@amfam) September 13, 2023

Avoiding distractions is just as important. Put your phone away, keep both hands on the wheel, and stay focused on driving. Defensive driving, like keeping a safe distance from other cars and staying alert to potential hazards, helps prevent accidents.

By practicing these habits every day, you not only protect yourself but also make the roads safer for everyone.

Read more: Texting and Driving Car Accident Fault

Defensive Driving Course Discounts Can Lower Your Insurance

Taking a defensive driving course can improve your skills and help you qualify for an insurance discount. Many insurers reward drivers who complete these courses because they are seen as lower risk.

Car Insurance Discounts From the Top Providers for High-Risk Drivers

Beyond the discount, these courses teach you to handle bad weather, avoid accidents, and react to aggressive drivers. This makes you a safer, more confident driver while saving you money on insurance.

Read more: When Bad Weather Causes a Car Accident

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Navigating the High-Risk Insurance Market

Navigating high-risk car insurance can feel overwhelming, but knowing what affects your rate will help. Factors like driving history, age, and credit score impact premiums, so comparing policies is key to finding the best deal.

Read more: Average Auto Insurance Rates by Age and Gender

Understanding Insurance Premiums and Deductibles

The premiums you pay for high-risk car insurance are typically higher due to the increased likelihood of filing a claim. Insurance companies consider various factors when determining premiums, including your driving record, age, location, and the type of vehicle you drive. However, it’s important to also consider the deductibles associated with these policies.

In high-risk car insurance, a higher deductible may result in lower monthly premiums, but it means you will have to pay more if you need to make a claim. It’s crucial to find a balance between affordable premiums and a deductible that you can comfortably afford in case of an accident. Discover how the insurance company determines your premiums in our guide.

When comparing low-cost insurance for high-risk drivers, it’s essential to carefully review the details of each policy, including the deductible amount, to ensure you have a clear understanding of the financial implications.

The Role of Credit Scores in Insurance Rates

In addition to your driving record, insurance companies often consider your credit score when determining your insurance rates. This may come as a surprise to many, but studies have shown a correlation between credit scores and the likelihood of filing insurance claims.

Maintaining a good credit score can improve your creditworthiness and potentially lower your insurance rates. This can be achieved by paying bills on time, reducing debt, and regularly checking your credit report for errors that may negatively impact your score.

By taking steps to improve your credit score, you not only enhance your financial standing but also increase your chances of finding cheap high-risk car insurance coverage.

Read more: Why Auto Insurance Rates Go Up

3 Case Studies: How High-Risk Drivers Found the Best Insurance

Getting car insurance as a high-risk driver isn’t easy, but some companies offer good rates and helpful options. These real stories show how drivers saved money and found coverage that worked for them.

Jason: Amica Gave Him Great Coverage and Support

Jason, 28, needed insurance after a DUI, but he also wanted a company that treated him well. Amica worked with him to set up a policy he could afford and gave him great customer service along the way. Now, he has solid coverage and feels confident about rebuilding his driving record.

Sarah: AAA’s Discounts Saved Her Money

Sarah, 45, was paying a lot more for insurance after an accident. She switched to AAA and got accident forgiveness plus a discount for being a member. She also bundled her home and auto insurance, which lowered her monthly bill even more. AAA helped her get back on track without overpaying.

Michael: Geico Helped Him Get the Lowest Price

Michael, 32, had two speeding tickets, and his insurance costs shot up. After shopping around, Geico gave him the lowest rate at $115 per month. He also took a defensive driving course, which helped him get an extra discount. Now, he has affordable insurance and is working on keeping his record clean.

Jason, Sarah, and Michael each found an insurance company that worked for them. Amica, AAA, and Geico offer good rates, helpful discounts, and solid coverage for high-risk drivers. If you need insurance, comparing these companies could help you find the best deal.

Find the Best Auto Insurance for High-Risk Drivers Today

Finding cheap auto insurance for high-risk drivers certainly takes more effort, but it’s not impossible. As long as you compare quotes, avoid future infractions, and take advantage of as many discounts as possible, you should be able to find affordable high-risk driver insurance.

Only you can clean up your driving record, but we can help you compare high-risk car insurance companies. Check out our guide on the 10 best auto insurance companies for comprehensive coverage to learn more.

Enter your ZIP code using our free tool below to see high-risk car insurance costs in your area today.

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