Cheap Auto Insurance for High-Risk Drivers in Texas (10 Affordable Companies for 2025)
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 $55 a month. You can get cheap high-risk car insurance with bundling and low-mileage discounts.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Feb 17, 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: Feb 17, 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.
On This Page
17,760 reviewsCompany Facts
Min. Coverage for High-Risk Drivers in Texas
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
13,128 reviewsCompany Facts
Min. Coverage for High-Risk Drivers in Texas
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
2,903 reviewsCompany Facts
Min. Coverage for High-Risk Drivers in Texas
A.M. Best Rating
Complaint Level
Pros & Cons
2,903 reviewsState Farm, Progressive, and Farmers have cheap auto insurance for high-risk drivers in Texas. High-risk driver insurance costs $55 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 | $55 | B | Customer Service | State Farm |
 | #2 | $59 | A+ | Online Tools | Progressive |
 | #3 | $71 | A | Policy Discounts | Farmers |
 | #4 | $104 | A++ | Full Coverage | Travelers |
 | #5 | $105 | A+ | Low Mileage | Nationwide |
 | #6 | $110 | NR | Flexible Payments | Direct Auto |
 | #7 | $115 | A+ | DUI Offenders | Dairyland |
 | #8 | $119 | A | Add-Ons | Liberty Mutual |
 | #9 | $120 | A+ | Accident Forgiveness | Allstate |
 | #10 | $130 | A | SR-22 Filings | The General |
Our guide to Texas high-risk auto insurance goes over these companies in more detail so you can choose the best provider for you. Or, enter your ZIP in our free quote tool to find cheap high-risk insurance quotes today.
- State Farm has the cheapest car insurance for high-risk drivers in Texas
- Texas high-risk auto insurance quotes start at $55 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 review.
- Cheap Rates: State Farm high-risk auto insurance is the cheapest for Texas drivers with DUIs, speeding tickets, or multiple accidents.
- Discount Options: State Farm has a full list of discounts for high-risk drivers in Texas, including bundling discounts and more.
Cons
- Financial Rating: 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 $59 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 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 $71 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 Satisfaction: There are varying levels of satisfaction in Texas high-risk insurance reviews about Farmers’ customer service.
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#4 – 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 $98 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 Satisfaction: Various levels of customer satisfaction are shown in Texas high-risk insurance reviews, which you can learn more about in our Travelers review.
#5 – Nationwide: Cheapest for Low-Mileage Drivers
Pros
- Pay-Per-Mile Insurance: High-risk drivers in Texas with low mileage could opt for SmartMiles insurance (Read More: 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 review.
#6 – 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.
- Discount Options: 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.
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#7 – 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 about the company in our Dairyland review.
- SR-22 Filling: Dairyland will file SR-22 insurance forms for high-risk Texas drivers.
- Discount Options: Dairyland has discounts on Texas high-risk auto insurance, such as multi-car discounts or advanced quote discounts.
Cons
- Coverage Options: 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.
#8 – 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
- Customer Satisfaction: 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.
#9 – 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 (Read More: Allstate Milewise Review).
- Coverage Choices: 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
- Customer Satisfaction: Allstate’s negative feedback generally focuses on Texas high-risk insurance claims processing.
- Drivers With Accidents: Texas high-risk drivers with multiple accidents will not be eligible for Allstate accident forgiveness.
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#10 – The General: Cheapest SR-22 Insurance
Pros
- SR-22 Insurance: The General is an experienced company that specializes in high-risk Texas SR-22 insurance. Find out more about the company in our review of The General.
- 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
- Coverage Options: The General’s coverage options for Texas high-risk drivers are more limited.
- Customer Satisfaction: Texas high-risk insurance complaints show that The General has just average customer service.
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.
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. The average rates for both options are displayed below. State Farm is the most affordable car insurance for high-risk drivers looking for minimum coverage.
Texas High-Risk Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $120 | $323 |
| $115 | $240 |
| $105 | $225 |
| $71 | $191 |
| $119 | $320 |
| $104 | $282 |
| $59 | $159 |
 | $55 | $149 |
| $130 | $270 |
| $78 | $92 |
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 auto insurance is the best option for most drivers, even though it costs more.
Travelers has cheap full coverage car insurance for high-risk drivers starting at $98 a month, hundreds less than competitors like Allstate and Liberty Mutual.
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
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
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 |
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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 auto insurance quotes from other companies. You may be able to find a better deal elsewhere.
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 $55 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.
Work on keeping a clean driving record. It's easier to find cheap car insurance for high-risk drivers the longer you go without a citation or filing a claim.Dani Best Licensed Insurance Producer
If you’re looking for cheap auto insurance for high-risk drivers in Texas, start shopping around for quotes. Enter your ZIP code to get a free high-risk auto insurance quote today.
Frequently Asked Questions
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.
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 $55 monthly.
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.
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.
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 bad drivers.
How long does a DUI affect your insurance rates in Texas?
A DUI could affect Texas car insurance rates for as long as five years. Dairyland has the most affordable insurance for high-risk drivers with DUIs in Texas.
What is a high-risk insurance policy called?
A high-risk policy is a non-standard insurance policy often called SR-22 auto insurance.
Do high-risk drivers pay lower insurance premiums?
No, high-risk drivers in Texas will pay higher insurance premiums than the average driver.
Who is the cheapest insurance company in Texas?
State Farm is the cheapest car insurance company in Texas for high-risk drivers who need minimum coverage. Travelers has cheap high-risk full coverage insurance for drivers looking for more comprehensive policies.
What is umbrella insurance in Texas?
Umbrella insurance is an optional coverage in Texas that provides extra financial support if drivers are sued (Learn More: Types of Auto Insurance).
What age drivers are the riskiest?
Teenage drivers are considered the riskiest drivers to insure by companies due to driving inexperience and almost always pay high-risk car insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
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.