Best Car Insurance for High-Risk Drivers in 2025 High-risk drivers are drivers with serious traffic violations on their driving record. Car insurance companies often offer high insurance rates and sometimes reject offering them car insurance coverage. For this reason, high-risk drivers usually have difficulty finding the best car insurance. Some car insurance companies consider drivers with poor credit as high-risk drivers. Drivers who are categorized as high-risk drivers are likely to pay more for insurance coverage than other drivers.
There are different reasons why you would be considered a high-risk driver. It may be due to your driving record or other factors. In 2025, there are varieties of car insurance identified to be the best for high-risk drivers. Based on the average cost, coverage types, car damage repairs, and complaint level, you can find the best car insurance company for you. However, it is advisable to consider their insurance rates and quotes while making decisions.
What is high-risk car insurance?
High-risk car insurance is not quite different from other car insurance policies. The difference is the driver and how much they pay for car insurance. High-risk drivers are considered by car insurance companies to be likely to file a claim, which makes them charge higher insurance costs. It can be very difficult to find cheaper high-risk car insurance.
However, to find one, you will need to compare insurance companies to find an affordable car insurance price. Aside from how much it costs, another thing about high-risk car insurance is that most times an SR-22 may be required to be filed by the state to prove car insurance. High-risk drivers need to consider car insurance that offers SR-22 filings while comparing insurance.
Best Car Insurance for High-Risk Drivers in 2025
As previously stated, there are different car insurance options for high-risk drivers in 2025. These insurers offer good insurance rates and benefits to high-risk drivers. The following are some of the best car insurances for high-risk drivers in 2025.
USAA
This car insurance offers cheaper car insurance for high-risk drivers than other insurance companies. If you qualify or you are eligible, USAA is a good choice. They offer accident forgiveness and car replacement to drivers, along with non-owner car insurance and SR-22 filings. However, only veterans, military members, or military families are eligible for this car insurance. Drivers who do not fall under this category are not eligible to get this car insurance.
American Family
American Family Car Insurance offers decent car insurance prices for high-risk drivers. They offer this affordable cost mostly for drivers with a DUI on their record. This insurance company has a strong lineup of different car insurance coverage types and a low level of complaints about its insurance by customers. They allow SR-22 filings when they’re needed, along with accident forgiveness and disappearing deductibles. For this reason, American Family is the best car insurance for high-risk drivers.
Geico
If you are looking for an insurance company with competitive costs for different types of drivers, Geico is the best option for you. They offer competitive insurance costs for high-risk drivers, including drivers with poor credit or who have a traffic violation on their record, making them affordable for high-risk drivers. While shopping around for car insurance, Geico is worth settling for.
Nationwide
Just like a few car insurance companies, Nationwide also offers decent car insurance prices for high-risk drivers. From this insurance company, you can get non-owner car insurance policies along with new car replacements and accident forgiveness. This insurance company has very low car insurance complaints from its customers, making it a good option to consider when searching for car insurance for high-risk drivers.
Progressive
One of the car insurance companies with the lowest rates among its competitors is Progressive. This insurance company offers an SR-22 for new and old policyholders, which is not done by most car insurance companies. However, Progressive offers a wide range of insurance agent networks across the country, making it easier for customers to get car insurance. This insurance company is also best for high-risk drivers in need of affordable car insurance.
How Much Does High-Risk Car Insurance Cost?
High-risk car insurance prices depend on the factors that make you a high-risk driver. These factors affect your car insurance pricing, causing it to rise. The following are the average national premiums for different types of high-risk drivers:
- Accident: $3,032.
- DUI: $4,380.
- Speeding Ticket: $3,032.
- Poor Credit: $4,145.
These rates are higher than the average national car insurance premium of $3,017 for every driver. Drivers who are classified as high-risk due to one event or the other may get these prices or more depending on the violation and insurance company.
