How to Find the Best Insurance for High-Risk Drivers

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Updated October 24th, 2022

A man talking on the phone looking at an accident in need of the best car insurance for high-risk drivers

If you have a DUI or DWI, a reckless driving charge, or even a high number of speeding tickets on your driving record, you might need to get high-risk auto insurance. High-risk auto insurance isn’t a specific type of insurance policy; it just means that some insurers may charge you higher premiums or decline to insure you at all because they see you as a higher risk than the average driver.

If you’re having trouble finding affordable car insurance, you can look for an insurance company that specializes in non-standard insurance coverage or offers discounts to drivers who improve their driving habits over time.

Here’s everything you need to know about high-risk car insurance companies and how to find the best insurance for high-risk drivers.

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What Is the Best Insurance for High-Risk Drivers?

Your best high-risk car insurance depends on where you live, what type of car you drive, and your personal driver profile. Most states have minimum car insurance requirements, which may mandate liability insurance but not collision coverage.

If you have a serious infraction on your record, like a DUI, then you may be required to provide an SR-22 form, or Proof of Financial Responsibility, to your state’s DMV. This might dictate what type of auto insurance policy you need.

At the same time, maintaining a car insurance policy isn’t just about adhering to the letter of the law. It’s also about protecting yourself if you get into an accident.

A cheap car insurance policy with a high deductible might sound great – until you get into another fender-bender and have to pay that deductible out-of-pocket.

If you think of yourself as a bad driver, paying higher auto insurance rates for more comprehensive coverage may be a good idea.

Best Insurance Companies for High-Risk Drivers

A man behind the wheel of his car stressed out

There are several things to consider when choosing a high-risk car insurance company. Low rates are important, but so is the ease of selecting a policy and filing a claim. You’ll also want to look out for car insurance discounts that you might qualify for.

Here are six top picks for the best car insurance companies for high-risk drivers:

1. The General

The General auto insurance company caters specifically to high-risk drivers who have multiple traffic violations, a bad credit score, or a history of at-fault car accidents. It has an A+ rating from the Better Business Bureau (BBB) and an A rating at AM Best.

Although drivers with a clean driving record may find better rates with other insurers, its selling point is that it won’t turn high-risk drivers down. The General offers liability-only insurance, full coverage, uninsured motorist coverage, and more.

You can also benefit from a wide range of discounts, including a homeowners discount and a paid-in-full discount. There’s even a discount for driving a vehicle with anti-lock brakes and other safety features and for taking a driver safety course.

2. SafeAuto

SafeAuto is available to high-risk drivers in 19 states. They specialize in state minimum insurance requirements and SR-22 insurance to keep you legal on the road.

SafeAuto has an A+ rating from the BBB and 3.4/5 stars on Clearsurance. They offer a 24/7 helpline and a Spanish version of their website to cater to their customers.

How much does a policy with SafeAuto cost? Rates are as low as $55 for a single car in Indiana, while drivers in Georgia can expect to pay higher rates, up to $176.

Young drivers may qualify for a good student discount, while high-risk drivers who take a driver improvement course may also see lower rates.

3. Dairyland

Dairyland is available to drivers in all 50 states, offering car and motorcycle insurance, SR-22 insurance, non-owners insurance, and more. Policyholders have access to a 24/7 support line and a Spanish-language online portal.

Dairyland has some of the best rates for high-risk drivers, starting from $43/month in Idaho and $78/month for a single car in California.

With an A+ rating from the BBB and AM Best, Dairyland has a reputation for offering cheap car insurance premiums, even for drivers with several moving violations. As for discounts, you may be eligible for a renter or homeowner discount or a discount for taking a defensive driving course.

4. Direct Auto

Direct Auto provides high-risk auto insurance in 16 states, mostly in the Southeast of the country. You can choose from multiple coverage options, including towing, rental reimbursement, uninsured motorist coverage, and more.

Average premiums range from $124 for a retired driver to $190 with an accident on your record to $166 with a DUI. Eligible drivers can get a good student discount, senior citizen discount, military discount, multi-car discount, and more.

There’s also a DynamicDrive program for drivers who use an app to track their driving habits. There’s no accident forgiveness program, but there is a safe driver discount for drivers who go 36 months without an accident or driving violation.

How does Direct Auto’s reputation stand up? It has an A- rating from AM Best and 4.1 out of 5 stars on WalletHub. Customers can file claims 24/7 and make payments via credit or debit card or in cash at local Direct Auto locations.


GEICO is a major name in the car insurance industry, with policies available to drivers in all 50 states. Although they don’t specifically cater to high-risk drivers, you may be able to get an affordable policy with GEICO.

Discounts include those for homeowners, military, and federal employees, as well as 15% off for enrolling in paperless billing. GEICO may also use your credit history to determine your rates (in states where they can do so legally).

GEICO has an A+ rating with the BBB and a score of 867/1,000 from J.D. Power. You can file claims online, over the phone, or using their mobile app.

6. Progressive

Progressive offers the best rates to drivers with a clean driving record, but that doesn’t mean they won’t insure high-risk drivers. Drivers in low-cost states pay an average of $137 per month, while in more expensive states, they pay an average of $232.

You may be eligible for a discount by using the Progressive Snapshot app; however, your rates could go up if you don’t display good driving habits.

You could also benefit from their Small Accident Forgiveness program, which will keep you from being penalized if you make a claim of $500 or less.

Progressive has an A+ from the BBB, a J.D. Power rating of 856/1000, and over 250 offices around the country, making it a well-known and reputable insurance provider.

Compare Car Insurance Rates Today

a woman happily driving her car with earbuds in, but she has the best car insurance for high-risk drivers

There are several factors that determine your car insurance costs, and having a DUI conviction or a history of at-fault accidents is one of them. But you might also be considered high-risk simply for having a poor credit score or being a new driver without much information on your driving history.

If you fall into the high-risk category, get quotes from multiple auto insurance companies before choosing a new policy. Since every insurance carrier uses its own methodology to calculate your insurance premium, you may find lower rates elsewhere.

Want to save money on auto insurance coverage? Simply enter your ZIP code below to compare quotes from multiple insurance carriers side-by-side:

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