Cheap Auto Insurance for High-Risk Drivers in 2025 (10 Most Affordable Companies)
State Farm, Progressive, and AAA offer cheap auto insurance for high-risk drivers that starts at $65 a month. State Farm delivers the cheapest rates, Progressive provides the biggest defensive driving discounts, and AAA supports high-risk drivers with built-in roadside assistance and flexible coverage.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
UPDATED: Jun 20, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jun 20, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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3,027 reviewsThe top pick overall for cheap auto insurance for high-risk drivers is State Farm, followed by Progressive and AAA. State Farm offers the lowest rates at just $65 a month, making it the most budget-friendly choice for high-risk drivers.
Our Top 10 Company Picks: Cheap Auto Insurance for High-Risk Drivers| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $65 | A++ | High-Risk Drivers | State Farm |
 | #2 | $75 | A+ | Defensive Driving | Progressive |
 | #3 | $81 | A | Roadside Assistance | AAA |
 | #4 | $104 | A | Claims Service | American Family |
 | #5 | $106 | A | Family Plans | Farmers |
 | #6 | $117 | A++ | Senior Discounts | Geico |
 | #7 | $129 | A+ | Accident Forgiveness | Nationwide |
 | #8 | $150 | A | SR-22 Filings | The General |
 | #9 | $152 | A+ | Customer Service | Allstate |
 | #10 | $178 | A | Add-On Options | Liberty Mutual |
Progressive stands out for its generous defensive driving discounts for those with DUIs or tickets, while AAA adds value with roadside assistance and flexible coverage.
This guide breaks down monthly rates, driving record impacts, and available discounts to help high-risk drivers find the cheapest car insurance rates.
- High-risk coverage can double or triple your standard rates
- State Farm offers the cheapest high-risk insurance at $65 per month
- Progressive and AAA offer extra discounts for defensive driving
Finding coverage can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code to find the most affordable quotes in your area.
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Comparing Auto Insurance Rates for High-Risk Drivers
Car insurance rates for high-risk drivers can vary dramatically depending on the provider and the level of coverage selected. For high-risk drivers, choosing the right insurer can lead to savings of over $1,300 annually.
High-Risk Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $81 | $211 |
| $152 | $385 |
| $104 | $276 |
| $106 | $275 |
| $117 | $309 |
| $178 | $447 |
| $129 | $338 |
| $75 | $200 |
| $65 | $160 |
| $150 | $607 |
Among the top ten companies, State Farm offers the lowest rate for minimum coverage at just $65 per month. Progressive is also affordable, starting at $75 a month, and AAA starts at $81 monthly, which includes free roadside assistance for members.
The top three high-risk auto insurance companies offer a strong balance of price and value, particularly for drivers who need more protection after prior violations or claims. On the higher end, Liberty Mutual and The General charge $178 and $150 per month, respectively, for minimum coverage.
Read More: How to Get Multiple Auto Insurance Quotes
High-Risk Auto Insurance by Driving Record
One of the key factors that causes auto insurance rates to vary for high-risk drivers is their driving record, with violations like tickets, accidents, or DUIs significantly increasing monthly premiums. But each company treats these violations differently.
State Farm stands out as the top provider, offering the lowest rates across all categories — $47 a month for a clean record and just $65 a month after a DUI, making it the most budget-friendly option for high-risk profiles.
Progressive is another strong choice, especially for drivers with a DUI, offering coverage at $75 a month, but it will raise rates more than other companies after an accident. Geico might offer the lowest rate for a clean record, but its pricing climbs steeply for DUIs. Compare State Farm vs. Farmers, Geico, Progressive, and Allstate auto insurance for more quotes.
In contrast, The General charges some of the highest rates across the board, especially for DUI offenders, but can file SR-22 insurance for drivers who can’t get coverage with other providers on this list.
Auto Insurance Coverage for High-Risk Drivers
For high-risk drivers, having the right auto insurance coverage is essential, not just to meet state requirements but to protect against the financial risks that come with a higher likelihood of accidents or claims.
High-risk drivers should start with required liability coverage, then consider adding collision and comprehensive if their vehicle is financed or hard to replace out of pocket.
Michelle Robbins Licensed Insurance Agent
Because insurers view high-risk drivers as more likely to file claims, securing adequate coverage is a key part of regaining financial and legal stability on the road. Important types of coverage for high-risk drivers include:
- Liability Insurance: Required in nearly every state, this covers injuries and property damage you cause to others. It’s the minimum legal requirement, but often not enough on its own.
- Collision Coverage: Collision auto insurance pays for repairs to your own vehicle after an at-fault accident.
- Comprehensive Coverage: Comprehensive auto insurance covers damage from non-collision incidents like theft, vandalism, or weather.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by someone without enough insurance, which can be especially valuable when you’re already considered high-risk.
- SR-22 or FR-44 Certification: Not technically a coverage type, but a filing often required for high-risk drivers after a DUI or license suspension to prove financial responsibility.
Choosing the right combination of coverage ensures that high-risk drivers are protected from large out-of-pocket expenses and potential legal consequences. While it may cost more upfront, full coverage can provide peace of mind and financial protection that far outweighs the risk of going underinsured.
How to Get Lower Auto Insurance Rates for High-Risk Drivers
High-risk drivers can still find ways to lower their auto insurance premiums by taking advantage of discounts offered by top providers. Progressive stands out with a 30% discount for completing a defensive driving course, which is especially beneficial for drivers with prior violations looking to rebuild their driving record.
Top Auto Insurance Discounts for High-Risk Drivers| Insurance Company | Anti- Theft | Claims- Free | Defensive Driving | Safe Driver | Safety Features |
|---|---|---|---|---|---|
| 8% | 20% | 14% | 10% | 15% |
| 10% | 10% | 10% | 18% | 20% |
| 25% | 15% | 5% | 18% | 18% |
| 10% | 9% | 10% | 20% | 15% |
| 25% | 12% | 15% | 15% | 15% |
| 35% | 8% | 10% | 20% | 12% |
| 5% | 14% | 10% | 12% | 18% |
| 25% | 10% | 30% | 10% | 10% |
| 15% | 11% | 15% | 20% | 20% |
| 15% | 10% | 10% | 12% | 18% |
Geico and State Farm both offer up to 15% off for defensive driving as well, and also provide strong safe-driver and safety feature discounts—State Farm offering 20% off for each. These companies reward consistent safe driving behavior and the use of safety technology, which can lead to significant long-term savings.
Other discounts also make a meaningful impact. Geico and Progressive offer 25% off for anti-theft systems, helping high-risk drivers lower premiums simply by upgrading their vehicle security. Liberty Mutual offers the highest anti-theft discount at 35%, although its base premiums are much higher.
High-risk drivers can lower their insurance by comparing quotes, taking a defensive driving course, and avoiding lapses in coverage.
Aaron Englard Insurance Premium Auditor
By combining multiple discounts—such as claims-free status, use of vehicle safety features, or enrolling in usage-based programs—high-risk drivers with companies like State Farm, Geico, and Progressive can offset the elevated costs of their higher-risk profile and work toward more affordable premiums over time. Check out more details about the best car insurance discounts you can’t miss.
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10 Cheapest Auto Insurance Companies for High-Risk Drivers
State Farm, Progressive, and AAA rank as the top three providers offering the lowest rates for high-risk drivers. Review the list below to find the best insurance for high-risk drivers. If you can’t find car insurance due to your driving record, read our guide on what to do when you’re denied insurance coverage.
#1 – State Farm: Top Overall Pick
Pros
- Cheapest for High-Risk Drivers: State Farm offers the lowest rate at just $65 a month, making it the most affordable option for drivers with tickets, accidents, or a DUI on their records.
- Safe Driving Support: High-risk drivers can save an additional 15% by completing a state-approved defensive driving course, which is available online and often required by court orders.
- Top Financial Strength: A++ A.M. Best rating gives high-risk drivers confidence in claims reliability. See our State Farm car insurance review for more ratings.
Cons
- Limited Digital Tools: State Farm’s online features may feel outdated for tech-savvy high-risk drivers.
- Lower Customization: High-risk drivers may find fewer flexible policy options at the $65 a month minimum level.
#2 – Progressive: Best Defensive Driving Discounts
Pros
- Strong Discounts: Progressive offers a generous 30% discount to high-risk drivers who qualify for its defensive driving and usage-based programs.
- Affordable Rates: Minimum coverage for high-risk drivers starts at just $75 per month, which is significantly lower than the national average for drivers with violations or DUIs.
- Usage-Based Options: Progressive’s usage-based Snapshot tracks real-time driving behavior and rewards high-risk drivers with lower rates after just 30 days of safe driving.
Cons
- Rate Spikes After Claims: High-risk drivers may face steep increases after an accident. Learn everything you need to know about Progressive Insurance.
- Limited Agent Availability: High-risk drivers who prefer in-person support might find it harder to access.
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#3 – AAA: Cheapest for Roadside Assistance
Pros
- Roadside Help: AAA automatically includes 24/7 roadside assistance with its high-risk auto policies.
- Defensive Driving Discount: High-risk drivers can save 14% by completing a defensive driving course.
- Competitive Rates: Minimum coverage starts at $81 a month, which is affordable considering the bundled perks and broad acceptance of high-risk applicants.
Cons
- Membership Required: As mentioned in our AAA auto insurance review, high-risk drivers must pay annual fees to access auto insurance coverage.
- Limited Availability: Some high-risk drivers in rural areas may not have access to full AAA services.
#4 – American Family: Best Claims Service
Pros
- Reliable Claims Process: American Family consistently scores well in J.D. Power claims satisfaction surveys, providing dependable support to high-risk drivers with prior accidents.
- Competitive Minimum Rates: Minimum coverage starts at $104 a month, and AmFam does insure drivers with multiple tickets, at-fault crashes, or DUIs on their record.
- Accident Forgiveness: After three years with no additional violations, high-risk drivers may qualify for accident forgiveness, helping protect long-term rates.
Cons
- Small Defensive Driving Discount: At just 5%, high-risk drivers won’t see major savings here.
- Availability Issues: AmFam car insurance for high-risk drivers is not available in every state. Read our American Family Insurance review to see if it’s in your state.
#5 – Farmers: Cheapest for Family Plans
Pros
- Family Discounts: High-risk drivers with teen drivers or family members on the same plan can save up to 20% with bundles and multi-vehicle policies.
- Wide Network: Farmers maintains a strong agent network, offering personalized support for high-risk drivers who need SR-22 filings.
- Custom Coverage: Farmers offers tiered coverage that allows high-risk drivers to customize their protection. Review policies in our guide to everything you need to know about Farmers Insurance.
Cons
- Slightly Higher Base Rate: At $106 per month, high-risk drivers may pay more than competitors.
- Low Discount Cap: Farmers only offers a 10% defensive driving discount to high-risk drivers.
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#6 – Geico: Cheapest for Senior Drivers
Pros
- Cheap Senior Rates: High-risk drivers over 60 qualify for additional discounts that can lower their rates with Geico.
- Strong Digital Tools: The Geico mobile app allows high-risk drivers to track their policies, request roadside assistance, and file claims with minimal hassle.
- Safe Driving Discount: Geico high-risk insurance qualifies for a 15% discount after completing a driver improvement program and maintaining a clean record following an incident.
Cons
- Minimal Local Agent Help: High-risk drivers preferring personal service may find limited options.
- Strict Underwriting: Some high-risk drivers may be denied coverage based on prior infractions. Read everything you need to know about Geico to determine your policy options.
#7 – Nationwide: Cheapest for Accident Forgiveness
Pros
- Accident Forgiveness Perk: Nationwide’s optional program allows high-risk drivers to avoid premium hikes after their first at-fault accident.
- SmartRide Program: Nationwide’s usage-based discount can help high-risk drivers earn up to 40% off for improving real-time driving habits.
- Low-Mileage Discounts: High-risk drivers who work from home or drive less than 10,000 miles can get lower rates with the Nationwide SmartMiles pay-as-you-go program.
Cons
- Above-Average Premiums: $129 a month may be steep for some high-risk drivers compared to rivals. See more quotes in our Nationwide auto insurance review.
- Limited Discount Stackability: High-risk drivers may not combine all available discounts easily.
#8 – The General: Cheapest for SR-22 Filings
Pros
- SR-22 Filings: The General will underwrite and file SR-22 auto insurance for high-risk drivers with multiple DUIs or accidents.
- Simple Approval: The General specializes in insuring drivers with multiple violations or recent license reinstatements.
- Quick Quotes: High-risk drivers can get insured in minutes, a major plus when SR-22 documentation or proof of insurance is needed fast.
Cons
- High Base Rates: $150 per month is among the highest for high-risk drivers seeking minimum coverage. Take a look at our The General auto insurance review to compare more rates.
- Limited Coverage Options: High-risk drivers won’t find much flexibility or add-ons beyond basic policies.
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#9 – Allstate: Best Customer Service
Pros
- Strong Customer Support Network: Allstate’s local agent network helps high-risk drivers navigate complex policy issues or file claims after past accidents.
- Bundling Options: High-risk drivers can reduce their high-risk car insurance costs by bundling with renters or homeowners insurance.
- Drivewise Rewards: Allstate’s app-based tracking can gradually lower rates for high-risk drivers demonstrating safe behaviors over time.
Cons
- Higher Premiums: High-risk drivers pay a steep $152 a month for minimum coverage.
- Strict Discount Requirements: High-risk drivers may not qualify for all incentives right away. Learn how to qualify in our Allstate auto insurance review.
#10 – Liberty Mutual: Cheapest for Add-On Coverage Options
Pros
- Wide Range of Add-Ons: Liberty Mutual offers custom coverage options, like new car replacement, accident forgiveness, and roadside assistance, ideal for high-risk drivers needing flexibility.
- Safe Driving Discount: Offers up to 20% off for high-risk drivers who complete approved safety programs and maintain a clean record for 3+ years.
- SR-22 Filing Support: Liberty Mutual helps high-risk drivers file SR-22 forms quickly, making it easier to meet state requirements after license suspension.
Cons
- Most Expensive Option: At $178 a month, high-risk drivers pay the highest minimum coverage rate.
- Complicated Quotes: High-risk drivers may find it harder to compare pricing due to policy variables. Learn how it works in our Liberty Mutual review.
Securing the Best Auto Insurance for High-Risk Drivers
Comparing cheap auto insurance options for high-risk drivers is the key to finding the right balance between affordability and protection. Top providers like State Farm, Progressive, and AAA offer competitive rates, starting as low as $65 per month. Learn more about how to compare auto insurance companies.
These insurers make it possible for high-risk drivers to lower their costs while maintaining essential protection, including roadside assistance, even after tickets, accidents, or a DUI. To find out if you can get cheaper high-risk auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
Frequently Asked Questions
What is the cheapest high-risk auto insurance?
State Farm currently offers the cheapest high-risk car insurance, with minimum coverage starting at just $65 per month. It’s especially affordable for drivers with tickets, accidents, or even a DUI on their record.
Read More: What to Do If You Can’t Afford Your Auto Insurance
Who has the cheapest insurance for a bad driving record?
State Farm and Progressive are the most budget-friendly options for drivers with bad driving records. Progressive offers rates as low as $75 a month and provides strong safe-driving discounts to help lower costs. Start saving on your auto insurance by entering your ZIP code and comparing quotes.
Is USAA good for high-risk drivers?
USAA is generally not the best fit for high-risk drivers, as it tends to focus on drivers with clean records and good credit. Additionally, USAA is only available to military members, veterans, and their families, limiting its accessibility.
Learn More: USAA Auto Insurance Review
Why is insurance cheaper with two drivers?
Insurance can be cheaper with two drivers if both have clean driving records, as it reduces the individual risk and spreads it across multiple insured drivers. Insurers may also offer multi-driver or household discounts, lowering overall premiums.
Who has the best auto insurance?
The best car insurance for high-risk drivers depends on the situation, but State Farm, Progressive, and AAA rank highest due to their competitive pricing, strong discounts, and flexible coverage for drivers with past violations.
What is the best way to get cheap auto insurance?
The best way to get cheap car insurance is to compare quotes from multiple providers, use available discounts like defensive driving or anti-theft systems, and consider only the coverage you need based on your driving profile.
Read More: 26 Hacks to Save More Money on Car Insurance
What insurance provider is the cheapest?
State Farm is currently the cheapest provider for high-risk drivers, offering minimum liability insurance at $65 per month, followed by Progressive at $75 and AAA at $81.
Which insurance type is cheaper?
Minimum liability coverage is the cheapest type of car insurance, as it only includes the state-required amount to cover others’ injuries or property damage, not your own vehicle repairs or medical costs.
Read More: 17 Tips to Pay Less for Car Insurance
What driver is most at risk?
Drivers with a history of DUIs, multiple speeding tickets, or at-fault accidents are considered the most at risk. Young, inexperienced drivers also fall into this category due to their limited time on the road.
What insurance is cheaper than USAA?
While USAA offers excellent rates for eligible members, State Farm and Progressive often provide cheaper high-risk driver insurance for those who don’t qualify for USAA membership. Who qualifies for USAA? Only active duty military, veterans, and their immediate family members. Civilians without military affiliation are not eligible.
What is the cheapest category for car insurance?
What is the cheapest level of car insurance? The cheapest category of car insurance is state-minimum liability auto insurance, which only covers bodily injury and property damage you cause to others and does not protect your own vehicle.
Enter your zip code below to view companies that have cheap insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
