GEICO, Direct Auto, Progressive, Nationwide, and USAA are our top picks for high-risk drivers.
Why You Can Trust Us
We understand the challenges of finding reliable and affordable auto insurance as a high-risk driver. Our recommendations are based on in-depth analysis of rates, coverage options, customer reviews, and industry trends to ensure that the information provided here is trustworthy and beneficial for drivers who need it most.
Summary of the Best High-Risk Auto Insurance
Finding high-risk auto insurance can be challenging, but many providers offer competitive rates and specialized coverage for drivers with unique needs. The top companies for high-risk drivers include GEICO for affordability, Progressive for DUI coverage, and USAA for military members and veterans. These insurers provide flexible solutions and great customer service for individuals with less-than-ideal driving records.
What Is High-Risk Auto Insurance?
High-risk auto insurance is coverage designed for drivers who present a greater risk to insurers. This includes individuals with a history of traffic violations, DUIs, low credit scores, or inexperienced drivers like teenagers. While premiums for high-risk insurance are generally higher than standard policies, many providers offer discounts and programs to help lower costs over time.
Best Auto Insurance Companies for High-Risk Drivers
- GEICO – Cheapest Standard Provider
- Direct Auto – Best for Hard-to-Insure Drivers
- Progressive – Best for DUI Coverage
- Nationwide – Best for Bad Credit
- USAA – Best for Military and Veterans
Comparison of the Best High-Risk Auto Insurance
| Company | Best For | Average Monthly Cost | Average Annual Cost |
|————–|————————–|———————–|———————|
| GEICO | Low-cost minimum coverage | $128 | $1,532 |
| Direct Auto | Hard-to-insure drivers | Varies | Varies |
| Progressive | DUI coverage | $231 | $2,770 |
| Nationwide | Drivers with bad credit | $126 | $1,511 |
| USAA | Military & veterans | $117 | $1,407 |
Detailed List of the Best High-Risk Auto Insurance
1. Cheapest Standard Provider – GEICO
What We Like Most:
- Low Rates for Several High-Risk Categories – GEICO offers competitive pricing for drivers with poor credit and traffic violations.
- Multitude of Discounts – From safe driver discounts to multi-policy savings, GEICO helps high-risk drivers reduce premium costs significantly.
2. Best for Hard-to-Insure Drivers – Direct Auto
What We Like Most:
- Customizable Payment Options – Flexible billing plans make it easier for drivers with challenging budgets to stay insured.
- Multiple Discount Options for High-Risk Drivers – Direct Auto provides discounts for everything from safe driving courses to paperless billing.
3. Best for DUI – Progressive
What We Like Most:
- Low Rates for Drivers With a DUI – Progressive specializes in affordable options for those with DUI convictions.
- Non-Owners Option – Offers non-owner SR-22 insurance for drivers without a vehicle but requiring coverage.
FYI:
Progressive offers accident forgiveness, preventing your first accident from raising your premium.
4. Best for Bad Credit – Nationwide
What We Like Most:
- Competitive Rates for Bad Credit – Nationwide caters to drivers with lower credit scores and offers affordable policies.
FAQ
Nationwide’s Pay-Per-Mile Program benefits those who drive less, potentially reducing costs for high-risk drivers.
DID YOU KNOW?
Nationwide provides a SmartRide discount program, tracking your driving habits to reward safe practices with lowered premiums.
5. Best for Military and Veterans – USAA
What We Like Most:
- Good Rates Across High-Risk Categories – Whether facing a DUI or poor credit, USAA remains an affordable choice.
- Several Key Discounts – Includes vehicle storage discounts, safe driver savings, and more, exclusively for military members and their families.
FAQ
What is the best insurance for drivers with multiple accidents?
Progressive and GEICO are recognized for providing forgiving policies and affordable rates for drivers who have had multiple accidents on their records.
What is the cheapest insurance for high-risk drivers?
Based on averages, GEICO and USAA consistently offer the most affordable policies for high-risk drivers, particularly those with minor violations or low credit scores.
Are there insurance companies that don’t check your driving record?
While most major insurers assess your driving record, some regional or specialty companies, such as Direct Auto, are more flexible and may not scrutinize your history as closely.
Will Progressive insure high-risk drivers?
Yes, Progressive is one of the leading providers for high-risk drivers and offers competitive options for those with significant driving record issues, including DUIs or multiple accidents.