If you’ve been labeled a high-risk driver, you already know how challenging it can be to find affordable car insurance. Whether it’s due to multiple traffic violations, at-fault accidents, a DUI, or poor credit history, insurance companies often see high-risk drivers as more likely to file claims. This results in higher premiums—or even outright denial of coverage.
But don’t worry. Several insurance companies specialize in providing policies for high-risk drivers, offering competitive rates, discounts, and flexible coverage. In this guide, we’ll explore the best insurance companies for high-risk drivers in 2025, what to look for in a policy, and tips to lower your premium.
Who is Considered a High-Risk Driver?
Before diving into the best insurers, let’s quickly define who falls into the high-risk category. Insurance companies may classify you as high-risk if you have:
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Multiple speeding tickets or moving violations
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At-fault accidents within the past 3–5 years
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A DUI or DWI conviction
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Lapsed insurance coverage
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Poor credit score (in states where credit is considered)
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New or young drivers with little driving history
If you fit into one of these categories, your insurance options may be limited, but there are still companies that can help.
Best Insurance Companies for High-Risk Drivers
1. Progressive
Progressive is known for being one of the most high-risk-friendly insurance companies. They use advanced data models to assess risk, which can sometimes benefit drivers with unique circumstances.
Why it’s great for high-risk drivers:
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Snapshot® program rewards safe driving behavior.
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Flexible payment options for budget-conscious drivers.
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Strong accident forgiveness options to prevent future rate hikes.
2. GEICO
GEICO offers some of the lowest average premiums for high-risk drivers compared to other large insurers. They also have an extensive network of discounts.
Why it’s great for high-risk drivers:
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Discounts for defensive driving courses.
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Easy online quotes and policy management.
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Military and federal employee discounts.
3. State Farm
State Farm is one of the largest auto insurers in the U.S., and despite being strict on some violations, it often provides competitive rates for high-risk drivers.
Why it’s great for high-risk drivers:
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Strong local agent network for personalized support.
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Steer Clear® program helps young or new drivers reduce risk.
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Discounts available for safe driving and bundling policies.
4. The General
If you’ve been denied coverage elsewhere, The General is a go-to option. While their premiums may be higher than average, they specialize in covering drivers with poor records or no prior insurance.
Why it’s great for high-risk drivers:
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Accepts drivers with DUIs, lapses in coverage, and multiple violations.
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Quick online quotes and no-frills coverage.
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SR-22 and FR-44 filings available when required by law.
5. Dairyland Insurance
Dairyland is another company that focuses on non-standard auto insurance, making it an excellent choice for high-risk drivers.
Why it’s great for high-risk drivers:
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SR-22 coverage for drivers with DUI/DWI.
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Flexible payment plans.
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Motorcycle insurance available for high-risk riders.
6. Allstate
While Allstate may not always be the cheapest for high-risk drivers, they offer strong coverage options and accident forgiveness programs that can help in the long run.
Why it’s great for high-risk drivers:
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Safe Driving Bonus® rewards accident-free periods.
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Drivewise® telematics program reduces rates for safe driving.
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Wide availability across the U.S.
Tips to Save on High-Risk Car Insurance
Even if you’re considered high-risk, you can still reduce your premiums by:
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Shopping around: Compare at least 3–5 insurers for the best rates.
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Taking a defensive driving course: Many insurers offer discounts.
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Improving your credit score: In states where allowed, better credit = lower rates.
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Bundling policies: Combine home, renters, or motorcycle insurance for discounts.
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Installing telematics devices: Programs like Progressive’s Snapshot® or Allstate’s Drivewise® reward safe driving.
Final Thoughts
Being classified as a high-risk driver doesn’t mean you’ll always pay sky-high rates. Companies like Progressive, GEICO, State Farm, The General, Dairyland, and Allstate offer policies tailored to drivers with less-than-perfect records. By shopping smart, taking advantage of discounts, and improving your driving habits, you can find a policy that balances affordability and coverage.
If you’re struggling to find the right insurer, start by getting quotes from the companies listed above—they’re some of the best insurance providers for high-risk drivers in 2025
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