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The Best Auto Insurance Companies for High-Risk Drivers

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    Many high-risk drivers struggle to find the car insurance coverage they need at an affordable price. To find the best insurance for high-risk drivers, we looked at the biggest providers and evaluated each one based on pricing and discounts, customer support, coverage options, customer satisfaction scores, and online resources. If you’re looking for high-risk insurance, we recommend checking out Erie, American Family, Geico, Allstate, and The Hartford.

    What’s a High-Risk Driver?

    A high-risk driver is someone who can’t purchase standard car insurance from a regular insurance company. Usually, high-risk drivers have multiple speeding tickets or accidents on their record, have been convicted of a DUI, have a lapse in insurance coverage, or have lost their license for some reason.

    However, high-risk drivers aren’t necessarily bad drivers. Newly licensed teen drivers, seniors, and people with poor credit scores often fall into the high-risk category. Because these types of drivers are more likely to file a claim, insurance companies may deny coverage to protect themselves financially. 

    The Best High Risk Car Insurance Companies

    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 Erie4/5A+848/1,000
    Pin American Family4.6/5A822/1,000
    Pin Geico4.6/5A++843/1,000
    Pin Allstate4.2/5A+825/1,000
    Pin The Hartford3.8/5A+824/1,000

    Information accurate as of February 2021.
    * J.D. Power’s 2020 Auto Insurance Satisfaction Study. Scores are based on a 1,000-point scale and Reviews.com calculated the average score for carriers across all regions.

    Erie

    ERIE Insurance

    Best after a speeding ticket

    Why we chose it

    Erie is the cheapest insurance provider for drivers with one speeding ticket on their driving record, with just a 4% rate increase, on average.
    • 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.
    • 848* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Erie is the cheapest insurance provider for drivers with one speeding ticket on their driving record, with just a 4% rate increase, on average.

    Pros

    • Good customer service
    • Variety of coverage options
    • 12-month rate lock guarantee
    • Affordable policies

    Cons

    • No mobile app for car insurance
    Read More

    Types of Coverage Offered

    • Accident forgiveness
    • Rental car coverage
    • Roadside assistance
    • New car protection
    • Better car protection
    • Ridesharing insurance

    Discounts Available

    • Safe driving 
    • Multi-car and -policy
    • Reduced usage
    • Young drivers
    • Pay in full

    *J.D. Power’s 2020 U.S. Auto Insurance Study average rating. Based on a 1,000-point scale.

    Further Reading on Erie

    American Family

    American Family

    Best after an accident

    Why we chose it

    With American Family, the average driver pays $2,160 for car insurance after one accident, which is relatively affordable compared to other providers.
    • 4.6 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.
    • 822* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    With American Family, the average driver pays $2,160 for car insurance after one accident, which is relatively affordable compared to other providers.

    Pros

    • Good customer service
    • Variety of coverage options
    • 12-month rate lock guarantee
    • Affordable policies

    Cons

    • No mobile app for car insurance
    Read More

    Types of Coverage Offered

    • Gap insurance
    • Rental reimbursement coverage
    • Roadside assistance
    • Accidental death and dismemberment coverage
    • OEM coverage
    • Travel coverage

    Discounts Available

    • Multi-policy
    • Early bird 
    • Switch providers
    • Defensive driver course
    • Young driver discounts

    *J.D. Power’s 2020 U.S. Auto Insurance Study average rating. Based on a 1,000-point scale.

    Further Reading on American Family

    Geico

    Geico

    Best for bad credit

    Why we chose it

    Credit scores can impact car insurance rates significantly. For drivers with a poor credit score, Geico offers affordable policies until your score improves.
    • 4.6 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.
    • 843* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Credit scores can impact car insurance rates significantly. For drivers with a poor credit score, Geico offers affordable policies until your score improves.

    Pros

    • Variety of discounts
    • Cheap policies
    • Good online tools and resources
    • Financial strength

    Cons

    • Poor customer service
    • Limited coverage
    Read More

    Types of Coverage Offered

    • Emergency roadside assistance 
    • Rental car reimbursement
    • Mechanical breakdown coverage

    Discounts Available

    • Vehicle safety equipment
    • Good driver
    • Good student
    • Multi-policy
    • Federal employee
    • Military 
    • Emergency deployment

    *J.D. Power’s 2020 U.S. Auto Insurance Study average rating. Based on a 1,000-point scale.

    Further Reading on Geico

    Allstate

    Allstate

    Best for new drivers

    Why we chose it

    Young drivers often pay high car insurance premiums. However, Allstate offers young drivers affordable rates and special discounts.
    • 4.6 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.
    • 838* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Young drivers often pay high car insurance premiums. However, Allstate offers young drivers affordable rates and special discounts.

    Pros

    • Teen-specific discounts
    • Excellent financial strength
    • Widespread availability
    • Good online and mobile tools

    Cons

    • Average customer service ratings
    Read More

    Types of Coverage Offered

    • Accident forgiveness
    • New car replacement coverage
    • Sound system insurance
    • Roadside assistance
    • Rideshare insurance

    Discounts Available

    • Smart student
    • teenSMART® driver education program
    • Student away at school
    • New car
    • Paperless billing statements
    • Responsible payer

    *J.D. Power’s 2020 U.S. Auto Insurance Study average rating. Based on a 1,000-point scale.

    Further Reading on Allstate

    The Hartford

    The Hartford Classic Car Insurance

    Best for seniors

    Why we chose it

    Through a partnership with AARP, The Hartford gives car insurance discounts to drivers over 50 years old, making it a great provider for older drivers seeking low rates.
    • 3.8 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.
    • 824** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Through a partnership with AARP, The Hartford gives car insurance discounts to drivers over 50 years old, making it a great provider for older drivers seeking low rates.

    Pros

    • Good customer service
    • Unique coverage options
    • Affordable policies
    • 24/7 claims

    Cons

    • Only available for AARP members
    Read More

    Types of Coverage Offered

    • RecoverCare assistance coverage
    • First accident forgiveness
    • New car replacement coverage
    • Lifetime car repair coverage
    • Glass coverage
    • Gap insurance

    Discounts Available

    • Anti-theft device
    • Good student
    • Defensive driver course
    • Multi-policy
    • Paid in full
    • Hybrid vehicle

    *J.D. Power’s 2020 U.S. Auto Insurance Study average rating. Based on a 1,000-point scale.

    Cost of high risk insurance after an accident

    ProviderNo accident*With 1 accident*Difference
    State Farm$2,285$2,51610%
    Geico$1,895$2,49832%
    Progressive$2,361$2,97726%
    Travelers$2,115$2,33010%
    Farmers$2,366$3,14633%
    Nationwide$1,929$2,54032%
    American Family$1,758$2,16023%
    Amica$1,929$2,61836%
    Erie$1,726$2,11623%
    Metropolitan$2,656$3,18320%

    Information accurate as of February 2021.
    *Data provided by Coverage.com and based on full coverage quotes.

    Cost of high risk insurance after a speeding ticket 

    ProviderNo speeding ticket*With 1 speeding ticket*Difference
    State Farm$2,338$2,3952%
    Geico$2,078$2,1081%
    Progressive$2,515$2,5873%
    Travelers$2,140$2,2686%
    Farmers$2,571$2,6874%
    Nationwide$2,087$2,1774%
    American Family$1,810$1,9266%
    Amica$2,154$2,1550%
    Erie$1,810$1,8784%
    Metropolitan$2,762$2,8684%

    Information accurate as of February 2021.
    *Data provided by Coverage.com and based on full coverage quotes

    Cost of high risk insurance with bad credit 

    CompanyGood credit*Poor credit*Difference
    State Farm$1,848$2,99062%
    Geico$1,844$2,35428%
    Progressive$2,241$2,93331%
    Travelers$1,931$2,50830%
    Farmers$1,922$2,86649%
    Nationwide$1,855$2,40830%
    American Family$1,478$2,32857%
    Amica$1,794$2,93764%
    Erie$1,293$2,45490%
    Metropolitan$2,689$3,02613%

    Information accurate as of February 2021.
    *Data provided by Coverage.com and based on full coverage quotes

    How We Selected the Best Auto Insurance Companies

    Reviews.com scores products, services and companies to help readers choose the best one for them. To find the best car insurance companies for high-risk drivers, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources for each company.

    For average pricing, we used Coverage.com‘s data, based on the profiles of a 30-year-old male and female. For full coverage, the following were used:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    High-Risk Auto Insurance FAQ

    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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