Being labeled a “high-risk driver” can feel like a never-ending financial burden. Whether it’s due to a DUI, speeding tickets, or being a new driver with little history, finding affordable car insurance can be tough. But here’s the good news — 2025 brings more options, better technology, and insurers who understand your situation.
More companies now offer tailored coverage, accident forgiveness, and usage-based plans to help lower your costs. You might even qualify for discounts by improving your driving habits or taking a defensive driving course. This guide will show you how to save money, choose the right policy, and get back on the road with confidence — even with a less-than-perfect record.
Who Is Considered a High-Risk Driver?
Insurance companies may label you a high-risk driver for several reasons — and it’s not always just about accidents. You might be considered high-risk if you have a DUI or DWI conviction, were at fault in multiple accidents, or have a history of speeding tickets and other traffic violations. Even factors like having a low credit score (in most states), being a new or teenage driver, or having a recent lapse in coverage can increase your risk profile. The more risk you pose on paper, the more you’ll typically pay in premiums. However, it’s important to know that not all insurance companies view risk the same way — and some specialize in helping high-risk drivers get back on track with better rates and flexible coverage.
Best Auto Insurance Companies for High-Risk Drivers in 2025
Here are the top insurers offering flexible plans, SR-22 support, and discounts for high-risk drivers:
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1.The General
Best for: Drivers with a poor driving record
The General is a go-to insurer for high-risk drivers, especially those with DUIs, multiple violations, or recent lapses in coverage. It stands out for accepting most high-risk profiles and offering fast, hassle-free online quotes — including SR-22 filings when required. One of its biggest advantages is that it doesn’t rely heavily on credit checks, making it more accessible for drivers with financial challenges. Pros include easy approval, low down payments, and flexible policy options. However, if you’re not actually a high-risk driver, you may end up paying more than you would with other insurers.
2.Progressive
Best for: DUI/DWI and accident-prone drivers
Progressive is a strong choice for high-risk drivers, especially those with past DUIs or multiple accidents. It offers helpful tools like the Snapshot® program, which monitors your driving habits and rewards safe behavior with potential discounts. Progressive also provides SR-22 filings for those who need them and includes features like accident forgiveness and flexible payment plans. It’s a tech-savvy, customizable option that appeals to drivers looking to improve their rates over time. Just keep in mind that premiums may still be on the higher side if you have multiple serious offenses on your record.
3.Dairyland Insurance
Best for: Drivers needing non-standard coverage
Dairyland is a top pick for high-risk drivers who need non-standard auto insurance, especially those dealing with SR-22 requirements, DUI convictions, or lapses in coverage. The company specializes in helping drivers get back on the road, making it a solid choice if you’re trying to reinstate a suspended license. It’s known for being flexible and understanding of complex driving histories. However, availability can be limited depending on your state, so it may not be an option for everyone.
4.GEICO
Best for: Military members and young high-risk drivers
GEICO is a well-known insurer that offers surprisingly competitive rates for certain high-risk drivers, especially young adults and military members. It stands out with strong mobile tools, excellent customer service, and quick claims processing. GEICO also offers valuable discounts, like multi-policy savings and good student rewards, which can help lower your premium even if you’re considered high-risk. While it’s a reputable and tech-friendly choice, it may not always offer the lowest rates for drivers with serious violations like DUIs.
5.Bristol West (Part of Farmers Insurance)
Best for: SR-22 and non-owner coverage
Bristol West is a strong option for high-risk drivers who don’t own a vehicle but still need to maintain coverage, such as those requiring SR-22 insurance. As a part of Farmers Insurance, it brings solid backing while focusing specifically on non-standard and high-risk auto policies. It’s especially helpful for drivers with complex needs or suspended licenses looking to stay legally insured. While it’s SR-22 friendly and accepts a wide range of high-risk profiles, premiums can be higher depending on your state or driving history.
How to Save Money on High-Risk Auto Insurance
Even if you’re considered high-risk, you can still reduce your costs:
- Take a Defensive Driving Course
Some states mandate discounts for certified safe driving programs.
- Shop Around and Compare Quotes
Each insurer evaluates risk differently. Use comparison tools to find your best rate.
- Consider Usage-Based Insurance
Programs like Progressive’s Snapshot or Allstate’s Drivewise track how safely you drive — and reward you for it.
- Improve Your Credit (if applicable)
A better credit score can lower premiums in most states.
- Choose a Higher Deductible
If you can afford a higher out-of-pocket amount, it could cut monthly premiums.
Do You Need an SR-22?
If you’ve been convicted of a DUI, caught driving without insurance, or had a license suspension, you may need an SR-22 form. This isn’t a policy — it’s a proof-of-insurance document filed by your insurer with the DMV.
Not all companies offer SR-22s, but The General, Dairyland, Bristol West, and Progressive do.
Final Thoughts: You Still Have Options
Being a high-risk driver doesn’t mean you’re stuck with high premiums forever. With the right insurer, smart driving habits, and a little time, you can lower your rates and get back on track. Many companies now offer SR-22 filings, accident forgiveness, and discounts to help you save.
Start by comparing quotes today — your second chance at affordable coverage is out there.
Disclaimer:This article is for general information only and not legal or financial advice. Insurance rates and availability vary by location, driving history, and provider. Always consult a licensed insurance agent for personalized guidance. We do not endorse any specific insurer mentioned.