The Best Insurance Companies for High-Risk Drivers

If you’re a high-risk driver, it’s hard to find affordable auto insurance.

Fortunately, there are plenty of insurance companies that cater to high-risk drivers.

Choosing car insurance

Some companies use high-risk drivers to balance their insurance pool. Others specialize exclusively in insuring high-risk drivers.

Keep reading to discover our list of the best insurance companies for high-risk drivers.

What is a High-Risk Driver?

Many drivers are surprised to discover they’re considered high-risk. If you caused an at-fault accident five years ago but have an otherwise clean record, then an insurer could consider you a high-risk driver.

Qualifications vary between insurance companies. Some insurers consider you a high-risk driver after multiple DUIs. Others require just a single at-fault accident or multiple speeding tickets.

Some drivers are considered high-risk with zero accident history. If you’re a new driver with no driving experience, for example, then you could be a high-risk driver according to some insurance companies.

You could be a high-risk driver if:

  • You have multiple tickets, speeding convictions, or other moving violations
  • You were convicted of one or more DUIs
  • You have one or more at-fault accidents within the last 3 to 7 years
  • You are a newly licensed driver with zero driving experience or limited insured history
  • You have a low credit score
  • You drive a high-end luxury vehicle or exotic car

High-risk drivers aren’t all made equal. Some high-risk drivers need to buy high-risk auto insurance from special insurers. They can’t buy insurance from the ordinary marketplace, so they resort to specialty insurance providers.

Other drivers are high-risk, but they can still buy insurance from ordinary insurance companies. You’ll pay higher rates, but insurers will not reject your business.

Finding car insurance policies

Top 10 Best High-Risk Auto Insurance Companies

If you’re a high-risk driver, consider requesting a quote from any of the following insurance companies. They have a proven track record of insuring high-risk drivers at competitive prices.


GEICO is America’s second largest car insurance company. They’re also the cheapest insurance company in most states. Whether you’re a high-risk driver or a low-risk driver, you may find cheaper rates with GEICO than you would find with any other provider.

2. State Farm

State Farm is America’s largest insurance company, and they offer competitive rates in all states. State Farm, like GEICO, does not specialize in insuring high-risk drivers. However, the company offers competitive rates to drivers of all risk levels, and they could be the best option in your state.


USAA car insurance is available to military personnel and their families. USAA has a proven track record for exceptional customer service and claims satisfaction. The company also has some of the cheapest car insurance premiums in the United States. The only catch? You need to meet USAA’s eligibility requirements. If you or an immediate family member served in the military, then USAA could be your best choice for high-risk auto insurance.

4. Progressive

Progressive insures thousands of high-risk drivers across the United States. Like GEICO, State Farm, and USAA, Progressive does not specialize in insuring high-risk drivers. However, the company offers affordable premiums to low, medium, and high-risk drivers in most states.

5. Bristol West

Bristol West specializes in selling high-risk auto insurance. Available in 42 states, Bristol West is a subsidiary of Farmers Insurance, one of America’s top ten largest insurance companies. Bristol West is one of the biggest names serving the high-risk auto insurance space. If you need SR-22 insurance, have a bad credit score, or have multiple at-fault accidents on your record, then Bristol West may be your best option for car insurance.

Car insurance coverage

6. The General

Known for its catchy TV commercial jingles, The General Insurance is a Nashville-headquartered auto insurance company operating in most states. The company can provide SR-22 insurance and other high-risk auto insurance products. If other companies have rejected your business, and you just want liability insurance to legally drive, then The General may be your best option in some states.

7. Direct Auto Insurance

Direct Auto Insurance is an auto-insurance company catering specifically to high-risk drivers. If you have been rejected by conventional auto insurers in the marketplace, then Direct Auto Insurance may be your next best option. Like Bristol West and The General, Direct Auto Insurance caters to high-risk drivers of all backgrounds. You may be able to find cheaper high-risk auto insurance with Direct Auto than you would with any other company on this list.

8. National General

Not to be confused with The General, National General is a high-risk auto insurer catering to first-time DUI offenders, drivers who need SR-22 certificates, and other high-risk drivers. The company offers SR-22 certificates. Drivers also get perks, including a discount for completing a substance abuse therapy program or safe driving program.

9. Safe Auto

Safe Auto specializes in high-risk auto insurance. If you have multiple at-fault accidents, one or more DUI convictions, or a low credit score, then Safe Auto could be the right choice. The company offers SR-22 forms and other high-risk auto insurance policies.

10. Kemper

Kemper is one of the best-known names in the high-risk auto insurance space. The company caters to high-risk drivers, drivers with salvaged cars, and drivers with other unique situations. Kemper offers perks we don’t see with other high-risk auto insurers, including roadside assistance.

Final Word

You can’t change your past. However, you can change your auto insurance company.

If you’re a high-risk driver, request a quote from any of the companies listed above and get the best possible rates on high-risk auto insurance.


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