Finding car insurance as a high-risk driver can feel like navigating a minefield. Whether it’s due to a poor driving record, recent DUI, or being a new or young driver, insurance companies typically treat high-risk individuals with caution—often leading to sky-high premiums.
But don’t worry, 2025 has brought new solutions, more transparency, and smarter options for those seeking good insurance for high risk drivers.
In this guide, we’ll explore what makes a driver high-risk, how insurance companies assess risk, and most importantly, how you can still get affordable, reliable coverage.
Who is Considered a High-Risk Driver?
A “high-risk” driver is someone whom insurance companies see as more likely to file a claim. The label can apply for a number of reasons, including:
- Multiple traffic violations or accidents
- DUI/DWI convictions
- Lapsed or canceled insurance coverage
- Young or inexperienced drivers (especially under 25)
- Poor credit score (in most states)
Even if you’re a safe driver now, past mistakes or certain demographics can still affect how insurers view your risk level.
For a breakdown of factors that influence your rates, check out:
👉 10 Factors That Affect Your Car Insurance Rates in 2025
What to Look for in Insurance for High-Risk Drivers
If you’re considered high risk, you’ll want to find an insurer that offers:
- SR-22 filing (if required)
- Flexible payment plans
- Forgiveness programs for accidents or tickets
- Discounts tailored to your situation
- Usage-based or telematics programs that reward safe driving behavior
Not all companies treat high-risk drivers the same. Some specialize in offering fair rates to those with complicated histories.
Best Insurance Companies for High-Risk Drivers in 2025
Here are some top-rated companies offering solid options for high-risk drivers this year:
1. USAA (If You Qualify)
USAA consistently ranks as one of the top insurance providers in the country — and while it’s primarily available to military members and their families, it does offer excellent options for high-risk drivers who qualify.
Why it’s great for high-risk drivers:
- Known for outstanding customer service
- Competitive rates, even for younger drivers
- Forgiveness policies for accidents
Read our full review:
👉 USAA Auto Insurance Review – Is It Worth It in 2025?
2. GEICO
GEICO offers affordable rates and is known for working with drivers with imperfect records. They offer multiple discounts and an easy online experience.
Notable features:
- Accident forgiveness available
- Online quotes in minutes
- Safe-driving programs to lower your rate
3. Progressive
Progressive specializes in non-standard auto insurance — which includes coverage for high-risk drivers. If you’ve been turned down elsewhere, they’re often a solid fallback.
Key benefits:
- Snapshot® usage-based program
- High-risk driver acceptance
- Competitive pricing compared to most providers
4. The General
The General is widely known for insuring high-risk drivers, including those with prior DUI offenses or poor credit.
Why choose The General:
- No-frills insurance focused on getting you legal coverage
- Available in most states
- Monthly payment plans available
5. State Farm
State Farm may not market directly to high-risk drivers, but its customer loyalty programs and accident forgiveness can help offset higher rates.
Best for:
- New drivers with limited history
- Those rebuilding their driving record
For more tailored guidance, you may also find this guide helpful:
👉 Best Cheap Car Insurance for College Students in the US (2025 Guide)
Tips to Lower Your Premium as a High-Risk Driver
Getting covered is one thing. Saving money is another. Here’s what you can do to lower your premium:
1. Take a Defensive Driving Course
Many insurers offer discounts if you complete a certified course. National Safety Council offers trusted programs across the U.S.
2. Use Telematics or Usage-Based Insurance
Programs like Progressive’s Snapshot or GEICO’s DriveEasy monitor your driving habits and reward safe behavior with discounts.
3. Increase Your Deductible
If you can afford it, raising your deductible can significantly lower your monthly premiums. Just be sure you have enough savings to cover it in case of an accident.
4. Bundle Policies
If you have renters or homeowners insurance, bundling it with your auto policy can unlock additional savings.
5. Improve Your Credit
In most states, your credit score impacts your rate. If you work on boosting your credit, you may qualify for better rates over time.
6. Shop Around
Never settle for the first quote. Compare offers from multiple insurers. You can use platforms like The Zebra or NerdWallet to get fast comparisons.
Final Thoughts: You Still Have Options
Being labeled a high-risk driver isn’t the end of the road. In fact, it can be the beginning of becoming a more informed, strategic, and cost-conscious policyholder. By choosing the right insurance provider, optimizing your profile, and taking proactive steps, you can find good insurance for high risk drivers that offers protection without breaking the bank.
If you’re currently in the high-risk category, don’t despair as there’s a path forward. Start with one of the insurers listed above, explore all available discounts, and stay consistent. You’ll be surprised how quickly you can turn things around.
To better understand what affects your rate and how to improve it, revisit:
👉 10 Factors That Affect Your Car Insurance Rates in 2025
