If you have a history of traffic violations, DUIs, accidents, or poor credit, finding affordable auto insurance in the U.S. can be difficult. Insurers may consider you a “high-risk driver,” which usually means higher premiums and limited coverage options. But don’t worry — several companies specialize in providing quality auto insurance to high-risk drivers. In this guide, we’ll explore the best auto insurance options for high-risk drivers in America in 2025.
1. What Makes a Driver High-Risk?
Insurance companies classify drivers as high-risk based on several factors, including:
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Multiple at-fault accidents
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DUI or DWI convictions
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Poor credit score
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Teen or senior driver status
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Lapsed insurance coverage
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Reckless driving or major violations
If you fall into any of these categories, insurers may charge you more due to the increased likelihood of claims.
2. Best Auto Insurance Companies for High-Risk Drivers (2025)
1. The General
The General specializes in insuring high-risk drivers and offers quick online quotes, SR-22 filings, and flexible payment options. It’s ideal for drivers with poor credit or multiple violations who need coverage fast.
2. Progressive
Progressive is one of the most high-risk–friendly insurers in the U.S. They offer competitive rates, accident forgiveness, and a telematics program (Snapshot) that rewards good driving behavior — even if you have a bad record.
3. GEICO
While GEICO is known for low rates, it also provides decent options for high-risk drivers. Their robust online tools and customer service make it easier to manage policies and find discounts, even with a spotty driving history.
4. State Farm
State Farm offers coverage to some high-risk drivers and features a strong network of local agents. Their “Drive Safe & Save” program may help lower premiums over time for drivers who improve their driving habits.
5. Dairyland
Dairyland is a lesser-known insurer but very popular for high-risk auto insurance, especially for drivers needing SR-22 certificates. It also offers non-standard car insurance for those who’ve had trouble getting insured elsewhere.
6. Infinity Insurance
Infinity provides auto insurance to high-risk and non-standard drivers in many states. It’s a good option for drivers with DUIs or international licenses. They also offer bilingual support for Spanish-speaking customers.
3. Tips for Getting Cheaper High-Risk Auto Insurance
Even as a high-risk driver, you can still lower your insurance premiums with the following strategies:
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Take a defensive driving course
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Improve your credit score
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Drive safely for a few years to lower your risk level
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Compare quotes from multiple insurers
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Ask about discounts for bundling, safety features, or paying in full
4. What Is SR-22 Insurance and Do You Need It?
SR-22 is not a type of insurance, but a certificate that proves you carry the minimum required liability coverage. If you’ve had a DUI, reckless driving charge, or serious offense, you may be legally required to file an SR-22. Companies like The General, Progressive, and Dairyland can help you file it quickly.
5. What Coverage Should High-Risk Drivers Get?
While liability insurance is the minimum legal requirement, high-risk drivers may benefit from adding:
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Comprehensive and Collision Coverage – To protect your car regardless of fault
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Uninsured/Underinsured Motorist – In case another driver lacks insurance
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Roadside Assistance – Helpful in emergencies, especially for older vehicles
Conclusion
Being labeled a high-risk driver doesn’t mean you’re out of options. Many insurance companies in the U.S. offer policies tailored for drivers with poor records, credit issues, or past violations. Companies like The General, Progressive, and Dairyland are especially accommodating. With time, safe driving, and smart choices, you can lower your premiums and rebuild your driving reputation.