Cheap Auto Insurance for High-Risk Drivers in Texas for 2025 (10 Most Affordable Companies)
State Farm, Progressive, and Farmers have the best cheap auto insurance for high-risk drivers in Texas. High-risk drivers pay more for Texas auto insurance, but State Farm minimum high-risk rates start at just $86 a month. You can get cheap high-risk auto insurance with bundling and low-mileage discounts.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Mar 18, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 18, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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2,903 reviewsState Farm, Travelers, and Progressive offer cheap auto insurance for high-risk drivers in Texas. High-risk driver insurance costs $86 per month with State Farm.
If you have speeding tickets or DUIs, these three providers have the best high-risk insurance rates. Want more options? The top 10 companies for cheap high-risk car insurance in Texas are listed below.
Our Top 10 Company Picks: Cheap Auto Insurance for High-Risk Drivers in Texas
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $86 | A++ | Customer Service | State Farm |
 | #2 | $92 | A+ | Online Tools | Progressive |
 | #3 | $111 | A | Policy Discounts | Farmers |
 | #4 | $115 | A+ | Flexible Payments | Direct Auto |
 | #5 | $121 | A+ | DUI Offenders | Dairyland |
 | #6 | $122 | A++ | Full Coverage | Travelers |
 | #7 | $125 | A | SR-22 Filings | The General |
 | #8 | $162 | A+ | Low Mileage | Nationwide |
 | #9 | $185 | A | Add-Ons | Liberty Mutual |
 | #10 | $187 | A+ | Accident Forgiveness | Allstate |
Our guide to Texas high-risk auto insurance goes over these companies in more detail so you can choose the best provider for you.
Find affordable car insurance in Texas. Enter your ZIP code in our free comparison quote tool to choose the best coverage for your needs.
- State Farm has the cheapest car insurance for high-risk drivers in Texas
- Texas high-risk auto insurance quotes start at $86 per month
- High-risk drivers will pay higher rates for a few years after a driving infraction
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#1 – State Farm: Top Pick Overall
Pros
- Local Texas Agents: Texas high-risk drivers can get help directly from an agent with their high-risk policies. Get full customer rates in our State Farm Insurance review.
- Cheap Rates: State Farm high-risk auto insurance is the cheapest for Texas drivers with DUIs, speeding tickets, or multiple accidents.
- Saving Opportunities: State Farm has a full list of discounts for high-risk drivers in Texas, including bundling discounts and more.
Cons
- Financial Strength: The financial stability rating for State Farm high-risk insurance in Texas recently dropped due to increased claims.
- Digital Experience: State Farm’s digital tools are lacking compared to other Texas high-risk car insurance companies, as agents provide most services.
#2 – Progressive: Best Online Tools
Pros
- Flexible Plans: High-risk customers in Texas can adjust plans as needed to fit their budget by changing coverages and deductibles.
- Convenient Online Management: Customers can manage their TX high-risk insurance costs with the Progressive Name Your Price tool online.
- Budget-Friendly Rates: For cheap insurance, high-risk drivers only pay $92 per month for minimum coverage with Progressive.
Cons
- Renewal Rate Changes: Policyholders report that Progressive is more likely to increase rates higher at renewal than other high-risk companies in Texas.
- Mixed Customer Reviews: Texas high-risk customers have left reviews with varying satisfaction levels. Read our Progressive auto insurance review to learn more.
#3 – Farmers: Cheapest With Policy Discounts
Pros
- Discount Choices: Farmers has more Texas high-risk insurance discounts available than most of its competition. There are options for bundling discounts, good student discounts, and more.
- Competitive Rates: Minimum Texas high-risk car insurance costs $111 a month with Farmers.
- Add-On Insurance: Texas high-risk drivers can spend a little extra to add coverages like roadside assistance. See what’s offered in our Farmers auto insurance review.
Cons
- Have to Buy Accident Forgiveness: Farmers makes it difficult for TX high-risk drivers to qualify for accident forgiveness and requires customers to pay extra for it.
- Customer Contentment: There are varying levels of satisfaction in Texas high-risk insurance reviews about Farmers’ customer service.
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#4 – Direct Auto: Cheapest Flexible Payments
Pros
- Flexible Payment Plans: High-risk drivers in Texas can choose what day to pay their insurance bills and can pay online, via text, or in person with Direct Auto agents.
- SR-22 Filing: Direct Auto will file SR-22 insurance on behalf of high-risk drivers in Texas.
- Cost-Saving Choices: Direct Auto has numerous opportunities for Texas high-risk drivers to save. Learn more in our Direct Auto Insurance review.
Cons
- Limited Coverage Add-Ons: Direct Auto doesn’t sell as many extra coverages like gap insurance or rideshare coverage as other Texas high-risk auto insurance companies.
- High Number of Complaints: Direct Auto receives six times more complaints than other high-risk auto insurance companies in Texas.
#5 – Dairyland: Cheapest for DUI Offenders
Pros
- DUI Offenders: Dairyland is one of the best companies for drivers who are considered high-risk in TX because of DUIs. Learn more in our Dairyland auto insurance review.
- SR-22 Filling: Dairyland will file SR-22 insurance forms for high-risk Texas drivers.
- Special Discounts: Dairyland has discounts on Texas high-risk auto insurance, such as multi-car discounts or advanced quote discounts.
Cons
- Protection Choices: Dairyland doesn’t have many add-on insurance options for high-risk insurance in Texas.
- Customer Reviews: Dairyland has varying levels of satisfaction and complaints among Texas high-risk drivers.
#6 – Travelers: Cheapest for Full Coverage
Pros
- Cheap Full Coverage: Travelers is the top pick for cheap full coverage insurance for high-risk drivers, starting at $122 monthly.
- Financial Rating: Travelers is one of the Texas high-risk insurance companies with the highest ratings in financial management.
- Coverage Choices: Travelers offers less common coverages to high-risk drivers in Texas, such as new car replacement insurance.
Cons
- Mobile Experience: Travelers’ digital tools and mobile app are not as streamlined as other Texas high-risk auto insurance companies’ websites.
- Customer Experience: Various levels of customer satisfaction are shown in Texas high-risk insurance reviews, which you can learn more about in our Travelers review.
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#7 – The General: Cheapest SR-22 Insurance
Pros
- SR-22 Insurance: The General is an experienced company that specializes in cheap high-risk Texas SR-22 insurance.
- Online Convenience: Texas customers can manage their high-risk policies online.
- Discount Options: The General has saving opportunities even for high-risk Texas drivers.
Cons
- Insurance Coverage: The General’s coverage options for Texas high-risk drivers are more limited.
- Customer Gratification: Texas high-risk insurance complaints show that The General has just average customer service. Find out more about the company in our review of The General.
#8 – Nationwide: Cheapest for Low-Mileage Drivers
Pros
- SmartMiles Insurance: High-risk drivers in Texas with low mileage could opt for SmartMiles insurance. Learn how to qualify in our Nationwide SmartMiles review.
- Vanishing Deductible: Nationwide vanishes deductibles in small amounts over time for claim-free high-risk drivers in Texas.
- 24/7 Roadside Assistance: Texas high-risk drivers who purchase roadside assistance should be able to get help at any time.
Cons
- Local Texas Agent Availability: Nationwide doesn’t have as many local agents to support Texas high-risk drivers in person.
- Customer Satisfaction: Overall levels could improve in Texas high-risk auto insurance rates, which you can take a look at in our Nationwide Insurance review.
#9 – Liberty Mutual: Cheapest Coverage Add-Ons
Pros
- Add-On Coverages: Liberty Mutual offers specialty coverages on high-risk auto insurance in Texas, like better car replacement.
- 24/7 Claims: Drivers can file a Texas high-risk car insurance claim anytime with Liberty Mutual.
- Discounts Available: Liberty Mutual has a range of discounts available to high-risk drivers in Texas. See how much you can save in our Liberty Mutual review.
Cons
- Service Quality: There are varying levels of satisfaction with Texas high-risk insurance customer service at Liberty Mutual.
- Young Driver Rates: High-risk drivers under 25 will have more expensive Texas insurance quotes.
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#10 – Allstate: Cheapest Accident Forgiveness
Pros
- Accident Forgiveness: Allstate will forgive qualifying Texas high-risk drivers their first at-fault accident.
- Pay-Per-Mile Insurance: Low-mileage Texas high-risk drivers can choose to purchase Milewise insurance at Allstate.
- Coverage Options: High-risk drivers can choose to pay extra to include options like roadside assistance. Find out what else Allstate sells in our Allstate auto insurance review.
Cons
- User Experience: Allstate’s negative feedback generally focuses on processing high-risk insurance claims in Texas.
- Drivers With Accidents: Texas high-risk drivers with multiple accidents will not be eligible for Allstate accident forgiveness.
How to Get Cheap Insurance For High-Risk Drivers in Texas
How much is high-risk car insurance? Texas high-risk car insurance costs more than average in a state where auto insurance is already expensive. Fortunately, drivers have a few different coverage options when shopping for cheap high-risk insurance in Texas.
Texas High-Risk Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $187 | $504 |
| $121 | $339 |
| $115 | $300 |
| $111 | $298 |
| $185 | $500 |
| $162 | $439 |
| $92 | $248 |
 | $86 | $232 |
| $125 | $315 |
| $122 | $328 |
Customers can opt to carry just the Texas minimum auto insurance requirements to get the cheapest high-risk insurance, or they can carry full coverage. State Farm is the most affordable car insurance for high-risk drivers looking for minimum coverage.
Are you unsure which one to carry? The only drivers in Texas who should carry minimum coverage are those whose vehicles are old enough to have greatly depreciated in value. Full coverage is the best auto insurance for high-risk drivers even though it costs more.
You can carry minimum liability coverage if the cost of paying for full coverage is more expensive than the value of your car.Brandon Frady Licensed Insurance Producer
State Farm and Travelers have cheap full coverage car insurance for high-risk drivers starting at $232 a month, hundreds less than competitors like Allstate and Liberty Mutual.
Round of a-claws for Jake. pic.twitter.com/uCWUr68SBj
— State Farm (@StateFarm) January 6, 2025
You may need to carry full coverage if you’re leasing your vehicle or have an auto loan. If you need full coverage, consider signing up for pay-as-you-go auto insurance in Texas with Nationwide or Allstate, where you only pay for the miles you drive.
Your Driving Record and Texas High-Risk Insurance Rates
How much is high-risk insurance a month, and why is it so expensive? High-risk car insurance in Texas is 150% higher than rates for safe drivers because of the increased likelihood of claims.
Texas Auto Insurance Monthly Rates by Age, Gender & Driving Record
| Driver | Clean Record | DUI | Reckless Driving | At-Fault Accident |
|---|---|---|---|---|
| Age: 18 Female | $220 | $350 | $330 | $290 |
| Age: 18 Male | $250 | $400 | $380 | $340 |
| Age: 21 Female | $190 | $320 | $300 | $270 |
| Age: 21 Male | $210 | $350 | $320 | $290 |
| Age: 25 Female | $170 | $280 | $260 | $240 |
| Age: 25 Male | $180 | $300 | $280 | $260 |
| Age: 30 Female | $160 | $260 | $240 | $220 |
| Age: 30 Male | $165 | $270 | $250 | $230 |
| Age: 40 Female | $150 | $250 | $230 | $210 |
| Age: 40 Male | $155 | $260 | $240 | $220 |
| Age: 50 Female | $140 | $240 | $220 | $200 |
| Age: 50 Male | $145 | $250 | $230 | $210 |
| Age: 60 Female | $130 | $230 | $210 | $190 |
| Age: 60 Male | $135 | $240 | $220 | $200 |
| Age: 70 Female | $120 | $220 | $200 | $180 |
| Age: 70 Male | $125 | $230 | $210 | $190 |
Drivers with previous accidents or DUIs are considered more likely to file claims in the future and pay higher rates. One DUI will raise monthly Texas insurance rates more than an at-fault accident.
The good news is you can still get cheap auto insurance in Texas with a bad driving record by increasing your deductibles or lowering your annual mileage.
Read More: Best Auto Insurance After a DUI in Texas
Texas High-Risk Insurance Rates by City
Where you live in Texas can also make you a high-risk driver. Living in a city with terrible traffic and numerous accidents, like Dallas or Houston, will lead to higher auto insurance rates.
Texas High-Risk Auto Insurance Minimum Monthly Rates by City & Provider
| Insurance Company | Austin | Dallas | El Paso | Houston | Lubbock |
|---|---|---|---|---|---|
| $185 | $210 | $175 | $230 | $190 |
| $195 | $225 | $185 | $245 | $200 |
| $180 | $205 | $170 | $225 | $185 |
| $190 | $215 | $180 | $235 | $195 |
| $200 | $230 | $190 | $250 | $205 |
| $185 | $216 | $177 | $233 | $193 |
| $197 | $225 | $186 | $246 | $205 |
| $175 | $200 | $165 | $220 | $180 |
| $205 | $235 | $195 | $255 | $210 |
| $194 | $218 | $184 | $237 | $196 |
High-risk auto insurance in Houston is the most expensive with every company on this list, but State Farm is the cheapest at $220 per month.
In other cities, like Austin, drivers are seeing rate increases due to the number of people moving to the city and the increased cost of living. If you’re having trouble finding affordable high-risk coverage where you live in Texas, start by comparing quotes online to see which providers are cheapest near you.
Texas Auto Insurance Discounts for High-Risk Drivers
If you already have a policy with one of the cheapest high-risk companies in Texas, start by ensuring you qualify for as many auto insurance discounts as possible at your current provider.
Texas High-Risk Auto Insurance Discounts by Provider
| Insurance Company | Advanced Quote | Bundling | Good Student | Low Mileage | Multi-Vehicle |
|---|---|---|---|---|---|
| 10% | 25% | 20% | 30% | 25% |
| 5% | 15% | 10% | 20% | 15% |
| 6% | 18% | 12% | 22% | 18% |
| 8% | 20% | 15% | 10% | 20% |
| 7% | 25% | 15% | 30% | 25% |
| 3% | 20% | 15% | 20% | 20% |
| 4% | 10% | 10% | 30% | 12% |
| 9% | 17% | 25% | 30% | 20% |
| 5% | 12% | 10% | 18% | 25% |
| 6% | 13% | 8% | 20% | 8% |
If you’ve already taken advantage of discounts and still need a lower rate, then the next thing you should do is shop around for affordable high-risk auto insurance by comparing quotes online.
High-risk drivers can save money by comparing quotes, choosing minimum coverage when appropriate, and maximizing available discounts.Tonya Sisler Insurance Content Team Lead
You may be able to find a better deal on cheap car insurance for bad drivers with another company.
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Finding the Cheapest High-Risk Auto Insurance in Texas
State Farm, Progressive, and Farmers have cheap auto insurance for high-risk drivers in Texas. State Farm has the cheapest rates on average, starting at $86 per month.
Applying for discounts will go a long way to keeping Texas insurance rates affordable, and Farmers has the best policy discounts for high-risk drivers. Compare more rates and discounts in our guide to the best Texas auto insurance companies.
If you’re looking for cheap auto insurance, Texas drivers can start shopping around for quotes right here. Enter your ZIP code to get a free high-risk auto insurance quote today.
Frequently Asked Questions
What is the cheapest high-risk auto insurance in Texas?
The cheapest high-risk car insurance in Texas is a minimum policy, and State Farm minimum high-risk policies start at $86 monthly.
Do high-risk drivers pay lower insurance premiums?
No, high-risk drivers in Texas will pay higher insurance premiums than the average driver. If you need high-risk car insurance, cheap quotes can be found using our free comparison tool.
How do different violations impact high-risk driver insurance cost?
DUIs, at-fault accidents, and multiple speeding tickets significantly increase costs, with DUIs having the longest-lasting effect.
How long does a DUI affect your insurance rates in Texas?
A DUI could affect Texas car insurance rates for five years. Dairyland has the most affordable insurance for high-risk drivers with DUIs in Texas.
Does cheap auto insurance for bad drivers cover full coverage?
Yes, but full coverage is more expensive; opting for minimum coverage can lower costs.
How long are you considered a high-risk driver in Texas?
How long you are considered a high-risk driver in Texas depends on what the driving infraction was on your record. However, Texas insurance companies generally consider you a high-risk driver for at least three to five years. Find out how long an accident affects auto insurance rates.
Why do insurance rates increase for cheap car insurance for high-risk drivers?
Rates are higher because high-risk drivers are more likely to file claims due to accidents, traffic violations, or DUIs, leading insurers to charge more for coverage.
Who is the cheapest insurance company in Texas?
State Farm is Texas’s cheapest car insurance company for high-risk drivers who need minimum coverage. Travelers have cheap, high-risk, full coverage insurance for drivers seeking more comprehensive policies.
What is a high-risk insurance policy called?
A high-risk policy is a non-standard insurance policy often called SR-22 auto insurance.
Does location affect auto insurance rates for high-risk drivers in Texas?
Yes, cities with higher traffic congestion, crime rates, and accident frequency, like Houston and Dallas, often have more expensive premiums.
Can I still get cheap high-risk car insurance with a bad driving record?
Yes, you can lower your rates over time by raising deductibles, reducing mileage, and maintaining continuous coverage.
What is umbrella insurance in Texas?
Umbrella insurance is an optional type of auto insurance coverage in Texas that provides extra financial support if drivers are sued.
Does credit score impact affordable car insurance for high-risk drivers?
A poor credit score can increase premiums, but improving credit and maintaining a good payment history can help reduce costs.
How can drivers lower their premiums for high-risk auto insurance in Texas?
Drivers can reduce premiums by maintaining a clean record, opting for higher deductibles, bundling policies, and taking advantage of discounts.
What age drivers are the riskiest?
Due to driving inexperience, teenage drivers are considered the riskiest drivers to insure by companies, and they almost always pay high-risk car insurance rates. If you need low-cost car insurance for high-risk drivers under 21, compare the cheapest auto insurance companies for teen drivers in Texas.
Does cheap full coverage car insurance for high-risk drivers include SR-22 coverage?
Some providers offer SR-22 as part of full coverage policies, but it is essential to check with insurers to confirm availability and costs.
Who do Texas auto insurance companies see as the highest risk?
Every insurance company is different in how they calculate risk, but DUI drivers are generally charged the most. If you have an imperfect record, getting free online insurance quotes is the easiest way to find cheap auto insurance for impaired drivers.
How much is high-risk auto insurance in Texas?
High-risk car insurance is more expensive than a standard Texas policy, averaging between $200 and $300 monthly for full coverage auto insurance.
What is the best insurance for high-risk drivers?
While more expensive, full coverage is the best insurance for high-risk drivers. Find the best deal on full coverage as a high-risk driver by using our free quote tool to compare rates.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.