Finding affordable car insurance as a high-risk driver can be challenging. Insurance companies classify drivers as “high-risk” due to factors such as a poor driving record, multiple claims, a DUI, or even being a new driver with little history. However, some insurers specialize in providing reasonable rates for high-risk drivers. This article explores the best and cheapest car insurance companies catering to high-risk individuals in 2025.
What Makes a Driver High-Risk?
Before diving into the best insurance companies, it’s important to understand what factors contribute to being labeled as a high-risk driver:
- DUI/DWI Convictions: A major red flag for insurers, significantly increasing premiums.
- Multiple Traffic Violations: Speeding, reckless driving, and running red lights lead to higher rates.
- At-Fault Accidents: Insurance companies increase rates for drivers involved in multiple accidents.
- Poor Credit Score: In many states, a low credit score impacts insurance costs.
- Lapse in Coverage: If you’ve had periods without insurance, you might be considered high-risk.
- New or Young Drivers: Limited driving history makes insurance companies cautious.
Now that we understand what makes a driver high-risk, let’s explore the best insurance companies that offer affordable rates for such individuals.
Top 10 Cheapest Car Insurance Companies for High-Risk Drivers
1. GEICO – Best Overall for High-Risk Drivers
- Average Monthly Premium: $120-$200
- Pros: Competitive rates for high-risk drivers, good customer service, extensive discount programs.
- Cons: Higher rates for DUI offenders.
- Why Choose GEICO? GEICO offers one of the best options for high-risk drivers, especially those with minor infractions. They provide various discounts to help lower costs.
2. Progressive – Best for Drivers with a DUI
- Average Monthly Premium: $150-$250
- Pros: Specializes in high-risk insurance, usage-based discounts.
- Cons: Higher rates for repeat offenders.
- Why Choose Progressive? Progressive’s Snapshot program allows drivers to demonstrate improved driving habits, helping to lower rates over time.
3. State Farm – Best for High-Risk Young Drivers
- Average Monthly Premium: $140-$230
- Pros: Personalized agent support, solid discount options.
- Cons: Not the cheapest for drivers with multiple accidents.
- Why Choose State Farm? State Farm offers great coverage for young high-risk drivers and provides good customer service through its vast network of agents.
4. The General – Best for Drivers with Poor Credit
- Average Monthly Premium: $160-$260
- Pros: Accepts high-risk drivers easily, affordable rates.
- Cons: Limited coverage options, higher-than-average complaints.
- Why Choose The General? The General is known for providing coverage to those who have been denied by other insurers due to bad credit or multiple violations.
5. Dairyland – Best for Drivers with Multiple Violations
- Average Monthly Premium: $180-$280
- Pros: Accepts drivers with multiple infractions, offers SR-22 insurance.
- Cons: Higher premiums compared to mainstream insurers.
- Why Choose Dairyland? Dairyland provides SR-22 filings and accepts drivers with a history of serious infractions.
6. Nationwide – Best for Accident-Prone Drivers
- Average Monthly Premium: $140-$240
- Pros: Accident forgiveness, multiple policy discounts.
- Cons: Not available in all states.
- Why Choose Nationwide? Their accident forgiveness program can help prevent drastic rate increases after an at-fault accident.
7. American Family Insurance – Best for Customer Satisfaction
- Average Monthly Premium: $130-$220
- Pros: High customer satisfaction, bundling discounts.
- Cons: Limited availability nationwide.
- Why Choose American Family? If you value great customer service and personalized coverage, American Family is a strong option.
8. USAA – Best for Military Families
- Average Monthly Premium: $100-$180
- Pros: Affordable rates, military discounts.
- Cons: Only available to military members and their families.
- Why Choose USAA? If you or a family member has served in the military, USAA offers unbeatable rates and excellent customer service.
9. Travelers – Best for Bundling Discounts
- Average Monthly Premium: $150-$230
- Pros: Great bundling options, accident forgiveness.
- Cons: High rates for DUI drivers.
- Why Choose Travelers? If you plan to bundle home, renters, or other insurance policies, Travelers can provide significant savings.
10. Bristol West (Part of Farmers Insurance) – Best for Non-Standard Policies
- Average Monthly Premium: $160-$280
- Pros: Accepts drivers with multiple violations, flexible payment options.
- Cons: Expensive compared to mainstream providers.
- Why Choose Bristol West? Ideal for high-risk drivers who have been denied by other major insurers.
How to Lower Car Insurance Costs as a High-Risk Driver
Even as a high-risk driver, there are ways to reduce your insurance premiums:
- Take a Defensive Driving Course – Many insurers offer discounts for completing an approved course.
- Consider Usage-Based Insurance (UBI) – Programs like Progressive’s Snapshot can reward safe driving habits.
- Improve Your Credit Score – A higher credit score can lead to lower rates in states where credit impacts insurance pricing.
- Increase Your Deductible – A higher deductible can lower your monthly premium.
- Maintain Continuous Coverage – Avoid lapses in insurance coverage, as they can lead to higher rates.
- Shop Around – Comparing quotes from multiple insurers can help find the best deal.
- Bundle Policies – Bundling car insurance with home or renters insurance can lead to discounts.
- Look for Discounts – Many insurers offer safe driver, multi-car, and military discounts.
Final Thoughts
Finding the cheapest car insurance as a high-risk driver takes some effort, but it is possible. GEICO, Progressive, and State Farm are among the most affordable options, while companies like The General and Dairyland cater specifically to high-risk drivers. By shopping around and taking advantage of discounts, you can reduce your premiums and get back on the road with affordable coverage.
Whether you have multiple traffic violations, a DUI, or poor credit, there are still insurance providers willing to work with you. Use this guide to find the best option and start saving on your car insurance today!