Cheap Auto Insurance for High-Risk Drivers in Texas (10 Affordable Companies for 2024)
State Farm, Progressive, and Farmers are the top companies with cheap auto insurance for high-risk drivers in Texas. While high-risk drivers pay more for Texas auto insurance, State Farm has minimum high-risk insurance rates starting at just $55/month. Progressive is only slightly more expensive at $59/month.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 25, 2024
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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: Oct 25, 2024
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
17,759 reviewsCompany Facts
Min. Coverage for High-Risk Drivers in Texas
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 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 are the top providers of cheap auto insurance for high-risk drivers in Texas.
Want more insurance company options? The top 10 companies for cheap high-risk auto 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 | Broad Coverage | State Farm |
 | #2 | $59 | A+ | Flexible Plans | Progressive |
 | #3 | $71 | A | Signal App | Farmers |
 | #4 | $104 | A++ | IntelliDrive Program | Travelers |
 | #5 | $105 | A+ | Vanishing Deductible | Nationwide |
 | #6 | $110 | NR | Minimum Coverage | SafeAuto |
 | #7 | $115 | A+ | DUI Offenders | Dairyland |
 | #8 | $119 | A | Discounts Available | Liberty Mutual |
 | #9 | $120 | A+ | Accident Forgiveness | Allstate |
 | #10 | $130 | A | SR-22 Insurance | The General |
Our guide to cheap Texas high-risk insurance goes over these companies in more detail so you can choose the best company for you. Or, enter your ZIP in our free quote tool to find cheap high-risk insurance quotes today.
- State Farm has the cheapest auto insurance for high-risk drivers in Texas
- Other affordable companies for high-risk drivers are Progressive and Farmers
- High-risk drivers will have higher rates for a few years after their driving infraction
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#1 – State Farm: Top Pick Overall
Pros
- Broad Coverage: State Farm offers broad coverage options for Texas high-risk drivers. Find out more about coverage options in our State Farm review.
- Local Texas Agents: Texas high-risk drivers can get help directly from an agent with their high-risk policies.
- 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 for Flexible Plans
Pros
- Flexible Plans: High-risk customers in Texas can adjust plans as needed to fit their budget by changing coverages and deductibles.
- Snapshot Program: Progressive’s UBI program rewards high-risk drivers in TX who practice safe driving skills with a discount (Learn More: Progressive Snapshot Review).
- Convenient Online Management: Progressive customers can manage their TX high-risk insurance plans online.
Cons
- Snapshot Rate Changes: Most drivers will save with Snapshot, but some Texas high-risk drivers will see rate increases for bad driving.
- Mixed Customer Reviews: Texas high-risk customers have left reviews with varying satisfaction levels. Read our Progressive review to learn more.
#3 – Farmers: Best for Signal App
Pros
- Signal App: Farmers’ Signal app tracks driving behaviors and awards discounts to high-risk drivers in Texas who improve their driving skills.
- 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.
- 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.
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: Best for IntelliDrive Program
Pros
- IntelliDrive Program: Travelers’ customers can join for free to try and lower their Texas high-risk auto insurance rates. Learn how in our IntelliDrive review.
- 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
- IntelliDrive Program Rate Changes: While most customers’ rates will improve after the program, poor driving could make high-risk Texas insurance rates worse.
- 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: Best for Vanishing Deductible
Pros
- 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.
- Pay-Per-Mile Insurance: High-risk drivers in Texas with low mileage could opt for SmartMiles insurance (Read More: Nationwide SmartMiles Review).
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 – SafeAuto: Best for Minimum Coverage
Pros
- Minimum Coverage: Safeauto is best for customers looking for bare minimum high-risk TX policies at an affordable rate.
- SR-22 Filing: Safeauto will file SR-22 insurance on behalf of high-risk drivers in Texas.
- Discount Options: Safeauto has numerous opportunities for Texas high-risk drivers to save. Learn more in our Safeauto insurance review.
Cons
- Limited Coverage Add-Ons: Safeauto doesn’t sell as many extra coverages as other Texas high-risk auto insurance companies.
- Limited Online Management: Most functions, such as filing a Texas high-risk insurance claim, can’t be done online.
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#7 – Dairyland: Best 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: Best for Discounts
Pros
- 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.
- Add-On Coverages: Liberty Mutual offers specialty coverages on high-risk auto insurance in TX, like better car replacement.
- 24/7 Claims: Drivers can file a Texas high-risk car insurance claim anytime with Liberty Mutual.
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: Best for 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 rivers can choose to pay extra to include options like Texas 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.
- Young Driver Rates: High-risk drivers under 25 will have high Texas high-risk auto insurance quotes.
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#10 – The General: Best for 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.
Cheapest High-Risk Auto Insurance Rates in Texas
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, or they can carry full coverage insurance. The average rates for both options are displayed below.
Texas High-Risk Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $120 | $323 |
| Dairyland | $115 | $240 |
| Farmers | $71 | $191 |
| Liberty Mutual | $119 | $320 |
| Nationwide | $104 | $282 |
| Progressive | $59 | $159 |
| SafeAuto | $105 | $225 |
| State Farm | $55 | $149 |
| The General | $130 | $270 |
| Travelers | $78 | $92 |
Are you unsure which one to carry? Full coverage auto insurance is the best option for most drivers, even though it costs more.
The only drivers in Texas who should carry minimum coverage are those whose vehicles are old enough to have greatly depreciated in value. If the cost of paying for full coverage will soon equal the value of a driver's car, then they should skip full coverage for a bare-bones policy.Brandon Frady Licensed Insurance Producer
However, 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 cheap usage-based auto insurance with Farmers or Travelers.
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 company.
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.
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Finding the Cheapest High-Risk Auto Insurance in Texas
State Farm, Progressive, and Farmers have the cheapest rates on average for high-risk drivers in Texas starting at $55/month.
Applying for discounts will go a long way to keeping Texas insurance rates affordable, and Liberty Mutual has the best discounts for high-risk drivers. Compare more rates and discounts in our guide to the best Texas auto insurance companies.
High-risk drivers should work on keeping a clean driving record. It will be easier to find cheap car insurance for high-risk drivers in Texas 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. Compare rates now with our free quote comparison tool.
Frequently Asked Questions
What is the cheapest high-risk car insurance in Texas?
The cheapest high-risk car insurance in Texas is minimum coverage, and State Farm has the cheapest minimum 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.
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 and will charge you more for high-risk auto insurance during that time.
Who do auto insurance companies see as the highest risk?
Every insurance company is different in how they calculate risk, but drivers who are generally charged the most are DUI 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.
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.
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.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.
