Top 5 Best Insurance Companies for High-Risk Drivers

Top 5 Best Insurance Companies for High-Risk Drivers

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If you’re a high-risk driver—due to accidents, DUI, poor credit, or multiple traffic violations—you already know that finding affordable car insurance can be a major challenge. But don’t worry. There are still insurance companies that specialize in offering reliable coverage for high-risk drivers.

In this guide, we’ll walk you through the top 5 best car insurance companies for high-risk drivers in 2025, based on affordability, customer service, and specialized high-risk programs.

Who is Considered a High-Risk Driver?

Insurance companies typically categorize you as high-risk if you fall into one or more of the following:

  • Multiple traffic tickets or moving violations

  • DUI/DWI convictions

  • At-fault accidents

  • Lapsed insurance coverage

  • Young or senior drivers (under 25 or over 70)

  • Poor credit score

  • Driving a high-performance or luxury vehicle

Being a high-risk driver often means higher premiums and limited coverage options, but the right insurer can still offer great rates and excellent customer service.

Top 5 Best Insurance Companies for High-Risk Drivers

1. GEICO

Why it’s great: GEICO is known for offering competitive rates—even for drivers with checkered records. They also provide safe driving programs, usage-based discounts, and SR-22 support for those who need it.

Pros:

  • Affordable premiums for high-risk profiles

  • Easy online quotes

  • Nationwide availability

  • 24/7 customer service

Best for: Drivers with recent speeding tickets or at-fault accidents.

2. Progressive

Why it’s great: Progressive is one of the few companies that actively caters to high-risk drivers. Their Snapshot® program can lower rates if you improve your driving habits.

Pros:

  • Customizable policies for high-risk drivers

  • Willing to insure drivers with DUIs

  • SR-22 filings available

  • Multiple discounts

Best for: Drivers with a DUI or poor credit history.

3. The General

Why it’s great: Known for offering coverage to drivers who have trouble getting insured elsewhere, The General is a favorite among drivers with very poor records.

Pros:

  • Minimal requirements to qualify

  • Quick online quotes and approvals

  • Offers non-standard auto insurance

Best for: Drivers with multiple violations or insurance lapses.

4. State Farm

Why it’s great: While traditionally known for standard coverage, State Farm also works well for certain high-risk categories like teen drivers or those with one-time offenses.

Pros:

  • Excellent claims satisfaction

  • Discounts for good students and accident-free driving

  • Strong agent network for personal support

Best for: Young or first-time drivers who are considered high-risk.

5. Dairyland

Why it’s great: Dairyland specializes in non-standard car insurance, including SR-22 filings, and offers flexible payment plans to make premiums easier to manage.

Pros:

  • Tailored for high-risk drivers

  • Offers motorcycle insurance too

  • SR-22 and FR-44 support

  • Affordable payment plans

Best for: Drivers with suspended licenses or past DUIs.

📝 Tips for High-Risk Drivers to Save on Car Insurance

Even as a high-risk driver, you can take steps to lower your premiums:

  • Take a defensive driving course

  • Improve your credit score

  • Bundle your policies (e.g., home + auto)

  • Ask about accident forgiveness

  • Install a telematics device to track and improve your driving habits

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Final Thoughts: You Still Have Options

Being labeled a high-risk driver isn’t a life sentence. With the right insurance company, you can still find affordable, reliable coverage that protects you and gets you back on the road with peace of mind.

Looking for the best rates for high-risk drivers in your area? Consider getting a free quote today from any of the providers listed above.

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