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The Best Auto Insurance Companies for High-Risk Drivers

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    Reviews Report

    • State Farm is the best provider for high-risk drivers with bad credit, earning a 5 out of 5 Reviews.com score.
    • American Family offers the best discounts for high-risk drivers who want an affordable premium.
    • High-risk drivers who need SR-22 insurance should consider Safe Auto.

    Drivers who struggle to get approved for a standard car insurance policy might need to consider high-risk car insurance. This includes individuals with a poor credit score, messy driving record or lengthy claims history. Auto insurance for high-risk drivers is available through select providers, and the policies tend to be much higher than average.

    We did some research to find the best car insurance for high-risk drivers based on criteria like average price, coverage options, and discounts. The providers that came out on top are Geico, State Farm, American Family, Progressive, Safe Auto, Allstate, and Safeco.

    The 7 Best Car Insurance for High-Risk Drivers in 2021

    • Geico: Best High-Risk Car Insurance for Bad Credit
    • State Farm: Best High-Risk Car Insurance for Young Drivers
    • American Family: Best High-Risk Car Insurance for Discounts
    • Progressive: Best High-Risk Car Insurance for Online Tools
    • Safe Auto: Best High-Risk Car Insurance for SR-22 Insurance
    • Allstate: Best High-Risk Car Insurance for Policy Bundling
    • Safeco: Best High-Risk Car Insurance for Safe Drivers

    Compare the Best High Risk Car Insurance Companies

    Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction* J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Geico4.8A++833
    Pin State Farm5A++847
    Pin American Family4.8A839
    Pin Progressive4.4A+830
    Pin Safe Auto4.3AN/A
    Pin Allstate4.2A+825
    Pin Safeco4.4A826

    Information accurate as of June 2021

    *J.D. Power 2021 Auto Insurance Satisfaction Study average rating across regions. Based on a 1,000-point scale.

    Geico

    Best for Bad Credit

    Why we chose it

    Geico offers some of the most affordable car insurance for high risk drivers with a bad credit score, plus the company has a number of discounts for additional savings.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 833* AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Geico offers some of the most affordable car insurance for high risk drivers with a bad credit score, plus the company has a number of discounts for additional savings.

    Pros

    • Long list of discounts
    • Highest financial strength rating
    • Available nationwide

    Cons

    • Limited coverage options
    • Few online tools and resources
    • Very high number of complaints
    Read More

    Available Discounts

    • Airbags
    • Anti-lock brakes
    • Anti-theft system
    • Daytime running lights
    • New vehicle
    • Good driver
    • Seat belt use
    • Defensive driving course
    • Driver’s ed course
    • Good student
    • Emergency deployment
    • Federal employee
    • Membership/employee group
    • Military
    • Multi-vehicle
    • Multi-policy

    Add-on Coverage

    • Roadside assistance
    • Rental reimbursement coverage
    • Mechanical breakdown coverage

    More Geico Reviews

    State Farm

    Best for Young Drivers

    Why we chose it

    Young drivers under 25 who are considered high-risk can get a more affordable premium by enrolling in State Farm’s Steer Clear safe driver program.
    • 5 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 847* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Young drivers under 25 who are considered high-risk can get a more affordable premium by enrolling in State Farm’s Steer Clear safe driver program.

    Pros

    • Two safe driver rewards program
    • Wide variety of discounts available
    • Large network of 19,000 agents
    • Rideshare insurance

    Cons

    • Limited coverage options
    • Policies can be more expensive than competitors
    • Very high number of complaints
    Read More

    Available Discounts

    • Steer Clear program
    • Drive Safe & Save program
    • Accident-free
    • Defensive driving course
    • Good student
    • Good driving
    • Driver training course
    • Student away at school
    • Vehicle safety
    • Passive restraint
    • Anti-theft
    • Multi-policy
    • Multi-vehicle

    Add-on Coverage

    • Car rental and travel expenses coverage
    • Ridehsare insurance
    • Roadside assistance

    More State Farm Reviews

    American Family

    Best for Discounts

    Why we chose it

    American Family offers a long list of discounts that can help high-risk drivers get a much more affordable rate, even with prior claims or violations.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 839* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    American Family offers a long list of discounts that can help high-risk drivers get a much more affordable rate, even with prior claims or violations.

    Pros

    • Plenty of add-on coverage options
    • Over a dozen discounts
    • Good online tools and resources for first-time car insurance buyers

    Cons

    • Higher than average complaints
    • Coverage isn’t available everywhere
    • Not the most affordable premiums
    Read More

    Available Discounts

    • Multi-policy
    • Multi-vehicle
    • Loyalty
    • Early bird
    • Switch providers
    • Auto safety equipment
    • Defensive driving course
    • Good driver
    • Low mileage
    • KnowYourDrive
    • Good student
    • TeenSafeDriver
    • Away at school
    • Young volunteer
    • Generational
    • AutoPay
    • Pay in Full
    • Paperless billing

    Add-on Coverage

    • Gap insurance
    • Rental reimbursement coverage
    • Accidental death and dismemberment coverage
    • Roadside assistance
    • Accident forgiveness
    • Rideshare insurance
    • OEM insurance
    • Travel coverage
    • ForeverCar coverage
    • Diminishing deductible

    More American Family Reviews

    Progressive

    Best for Online Tools

    Why we chose it

    Progressive is the industry leader in online resources and digital tools, like the Name Your Price Tool and rate comparison tool, and it has helpful FAQ pages.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 830* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive is the industry leader in online resources and digital tools, like the Name Your Price Tool and rate comparison tool, and it has helpful FAQ pages.

    Pros

    • Great online tools and resources
    • Long list of discounts
    • Small and large accident forgiveness is free after a certain number of years

    Cons

    Read More

    Available Discounts

    • Multi-policy
    • Multi-vehicle
    • Continuous insurance
    • Snapshot program
    • Teen driver
    • Good student
    • Distant student
    • Homeowner
    • Online quote
    • Sign online
    • Paperless billing
    • Pay in full
    • AutoPay
    • Claim-free

    Add-on Coverage

    • Deductible savings bank
    • Accident forgiveness
    • Gap insurance
    • Rental car reimbursement
    • Custom parts and equipment coverage
    • Rideshare insurance
    • Roadside assistance

    More Progressive Reviews

    SafeAuto

    Best for SR-22 Insurance

    Why we chose it

    Safe Auto specializes in high-risk car insurance, so it’s a great option for drivers who are looking for affordable SR-22 or FR-22 insurance.
    • 4.3 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Safe Auto specializes in high-risk car insurance, so it’s a great option for drivers who are looking for affordable SR-22 or FR-22 insurance.

    Pros

    • SR-22 and FR-44 insurance available
    • Flexible payment options
    • 24/7 customer service
    • Month-to-month policies available

    Cons

    • Coverage is only available in 28 states
    • Expensive premiums
    • Very basic coverage
    Read More

    Available Discounts

    • Switch providers
    • Good driver

    Add-on Coverage

    • Rental car reimbursement 
    • Roadside assistance
    • Accidental death benefit coverage

    More Safe Auto Reviews

    Allstate

    Best for Policy Bundling

    Why we chose it

    High-risk drivers who want to bundle their home and auto insurance should consider Allstate, which offers a discount of up to 25%.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 825* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    High-risk drivers who want to bundle their home and auto insurance should consider Allstate, which offers a discount of up to 25%.

    Pros

    • Wide variety of discounts available
    • Milewise pay-per-mile program for infrequent drivers
    • Some unique endorsements for extra protection

    Cons

    • Not the best customer satisfaction rating
    • High number of complaints
    • Coverage for high-risk drivers can be expensive
    Read More

    Available Discounts

    • New car
    • Multi-policy
    • Smart student
    • Anti-lock brakes
    • Anti-theft device
    • Early signing
    • Responsible payer
    • Smart student
    • AutoPay
    • Paperless billing
    • Pay in full
    • Safe driving club
    • Drivewise program

    Add-on Coverage

    • New car replacement coverage
    • Accident forgiveness
    • Disappearing deductible
    • Rideshare insurance
    • Sound system insurance
    • Personal umbrella policy

    More Allstate Reviews

    Safeco Auto Insurance

    Best for Safe Drivers

    Why we chose it

    Safeco is a good option for high-risk drivers who have no prior insurance claims and can take advantage of the company’s claims-free cash back offering and diminishing deductible discount.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 826* AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Safeco is a good option for high-risk drivers who have no prior insurance claims and can take advantage of the company’s claims-free cash back offering and diminishing deductible discount.

    Pros

    • Affordable coverage
    • Easy to get a quote online
    • Highly rated mobile app
    • Guaranteed repair network

    Cons

    • Fewer discounts than some competitors
    • Can’t buy a policy online
    • Above average complaints
    Read More

    Available Discounts

    • RightTrack program
    • Claim-free
    • Defensive driver course
    • Vehicle safety features
    • Multi-policy

    Add-on Coverage

    • New vehicle replacement
    • Rental car reimbursement
    • Accident forgiveness
    • Diminishing deductible
    • Roadside assistance

    More Safeco Reviews

    High-Risk Car Insurance: What You Need to Know

    High-risk car insurance is a special type of policy for drivers who are considered high-risk. You might be required to purchase high-risk insurance if you have a poor driving record, or have been convicted of a DUI. Drivers who fall into the high-risk category often struggle to get approved for coverage from a preferred provider because they are more likely to file claims in the future.

    High-risk driver insurance is often sold by companies that specialize in what’s called non-standard insurance. These companies agree to insure you despite the increased risk, but they charge a much higher rate for it. You may also have to go through a non-standard insurance provider if you’re required to get SR-22 insurance. 

    SR-22 Insurance

    SR-22 insurance isn’t actually a type of insurance. Rather, it’s a special form of proof of high-risk car insurance that verifies you meet your state’s minimum insurance requirements. SR-22 insurance is usually required for drivers who get their license suspended following a major traffic violation, like a DUI. 

    While some preferred providers offer SR-22 insurance, many do not. Drivers who need SR-22 insurance should consider purchasing a certificate through a non-standard insurance company instead. Because SR-22 insurance isn’t a true type of insurance, there is no monthly premium or deductible. You’ll just pay a filing fee of around $50, as well as an annual renewal fee.

    An SR-22 will stay on your record for a certain number of years. The exact length of time depends on the type of offense you committed and how many offenses you have on your record. Typically, an SR-22 is needed for three to five years. Once the SR-22 is removed from your record, your car insurance premium will start to decrease.

    When Someone Is Considered a High-Risk Driver

    There are a number of factors that can make you a high-risk driver. Here are some of the most common ones:

    Age

    What to Do If No Insurance Company Will Cover You

    If you can’t find an insurance company that will cover you based on your risk profile, you have a few options for high-risk insurance. First, see if you get added to a family member’s car insurance policy as a secondary driver. It’s a simple process, and usually, the insurance company won’t need to verify the driving record and credit score for an additional driver.

    Another option is to look into a state-assigned risk pool. Insurance companies in each state volunteer to offer high-risk drivers insurance to reduce the number of uninsured drivers on the road. However, this should only be used as a last resort option. In order to get coverage through a state-assigned insurance pool, you have to prove that you have been denied standard coverage multiple times. 

    Also keep in mind that state-assigned insurance premiums are much higher than average, and the coverage is very limited. Most states have some type of assigned risk pool, but you can check with your state’s department of insurance to see what’s available where you live. 

    High-Risk Car Insurance FAQ 

    Methodology 

    We evaluated car insurance companies based on discounts, coverage, online resources, financial strength, and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:

    • Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
    • Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
    • Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2021 Auto Insurance Satisfaction Study to compare the average rating of insurers across all regions.
    • Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection.
    • Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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