Auto Insurance Companies That Don’t Insure High-Risk Drivers (2021)

Auto insurance companies that don't insure high-risk drivers are trying to avoid a high frequency of claims. The best car insurance companies that do insure high-risk drivers are American Family, GEICO, and Progressive. If the most prominent insurance companies don't insure you, try companies like Dairyland and The General. As a high-risk driver, you could pay 30% more for coverage. Shop around and compare multiple companies to get the best deal on car insurance.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 28, 2021

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A Concise Overview

  • High-risk drivers pay 30% more for auto insurance
  • Auto insurance companies may deny your policy request if you have multiple accidents and traffic violations
  • Smaller auto insurance companies may accept your request much faster than more prominent companies

The best car insurance companies that do insure high-risk drivers are more expensive on average. You can secure cheaper rates under the right circumstances.

Don’t worry – our guide shows which auto insurance companies insure high-risk drivers. Also, we’ll explain which auto insurance coverages are best for high-risk drivers.

After you learn about auto insurance companies that don’t insure high-risk drivers, you should compare insurance companies that do by, entering your ZIP code in the free online quote tool above.

Which auto insurance companies don’t insure high-risk drivers?

The number of car insurance companies that don’t insure high-risk drivers is really small. Most auto insurance companies will accept you as a high-risk driver, but your insurance rates will be more expensive than average.

According to the National Association of Insurance Commissioners (NAIC), the average cost of full coverage auto insurance is $90 a month.

High-risk drivers pay about 30% more than average. Therefore, a high-risk driver can pay $117 on average. However, insurance rates vary for each person.

But some auto insurance companies won’t give you a policy at all if you have a very poor driving record.

So what is the best insurance company for high-risk drivers?? Continue reading to learn which companies have high-risk auto insurance options.

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What are the best auto insurance companies that do insure high-risk drivers?

Top car insurance companies are the likely candidates that can approve high-risk drivers’ requests for a policy. However, it’s essential to shop around.

Let’s look at how monthly auto insurance rates vary at different companies based on your driving history.

Monthly Auto Insurance Rates by Company and Driving Record
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly Rates w/ One DUI Conviction
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292
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Accidents and DUI convictions are some of the reasons you may be a high-risk driver.

Nationwide, GEICO, and State Farm are the most affordable for drivers with one accident. Meanwhile, American Family, State Farm, and Progressive are the cheapest companies for DUI convictions.

Why not USAA? USAA is only available to veterans and their immediate families.

Do smaller auto insurance companies insure high-risk drivers?

The short answer is yes. Car insurance companies with a smaller market share are known for nonstandard and high-risk car insurance.

If you can’t get a policy with the best auto insurance companies, try these companies instead:

  • The General
  • Dairyland
  • Esurance
  • Direct Auto
  • Good2Go Auto Insurance
  • Acceptance Insurance
  • SafeAuto

It’s not a guarantee you’ll get cheaper rates, but you may get approved with these auto insurance companies if some of the bigger companies deny you.

Why are auto insurance rates more expensive for high-risk drivers?

High-risk drivers pay more for car insurance because they have an increased risk of filing claims. Auto insurance companies assess risk at the start of the policy when they look at various personal factors.

Here’s a list of driving and non-driving factors that can make you a high-risk driver.

  • Bad credit
  • Poor driving record
  • Multiple at-fault accidents
  • More than one DUI conviction
  • Too many speeding violations
  • Vehicle use
  • Multiple reckless driving violations
  • A gap in car insurance coverage
  • No insurance history
  • No credit history
  • Vehicle type (Sedans generate higher rates)
  • Location (rates are higher in suburban and urban areas)
  • Age (Between ages 16 and 24 years old)

If you have more than one of these as personal factors, you could pay more for insurance.

No-fault accidents can produce cheap car insurance for accident drivers, but there’s a way to bring down costly car insurance rates.

Which auto insurance discounts can lower high-risk auto insurance rates?

Qualifying for multiple car insurance deals can make your monthly payments much cheaper.

Here is a list of discounts that slow down rapidly rising insurance rates.

  • Multi-Vehicle Discount – Varies
  • Anti-Theft Features Discount – Varies
  • Paperless Billing Discount – At least 2%
  • Automatic Payments Discount – At least 2%
  • Multi-Policy Discount – Up to 25%
  • Safety Features Discount – Up to 15%
  • Pay-In-Full Discount – Up to 5%

If you happen to have good credit, you can offset the 30% increase from the best car insurance for bad driving records.

Also, pay close attention to when you received your driving violations. The average look-back period for driving records is three years at auto insurance companies.

Finally, you can shed any car insurance coverages you don’t need. If you don’t make any payments on your vehicle, opt for liability-only coverage.

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Auto Insurance Companies That Don’t Insure High-Risk Drivers: The Bottom Line

Although the most significant car insurance companies insure high-risk drivers, they may shy away from driving records that involve at-fault accidents and DUIs involving severe bodily injury.

Speeding tickets and no-fault accidents have the least impact on your driving record, but too many infractions can increase your rates by a few hundred dollars.

Now that you know more about auto insurance companies that don’t insure high-risk drivers, use our free comparison tool to compare multiple companies near you.

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