Best Car Insurance For High-Risk Drivers in 2023

If you’re categorized as a high-risk driver by your car insurance company, you’ll likely pay more than the average driver.

There are several reasons why you could be considered a high-risk driver. It may be because of your driving record — think having a history of tickets, accidents or DUI/DWI convictions. Or it may be because of certain characteristics, such as if you’re a young or inexperienced driver or have poor credit.

While you may pay higher rates for coverage with one or more of these factors on your record, that doesn’t mean that you can’t still get the best possible price for coverage based on your situation. Shopping around for coverage, working on your credit score and bundling your insurance policies could help bring down the premium, or the price you pay for coverage. (See our methodology to see how we choose the car insurance companies for high-risk drivers.)

Best car insurance for high-risk drivers

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Best overall

State Farm Auto Insurance

  • Cost

    The best way to estimate your costs is to request a quote

  • App available

  • Policy highlights

    State farm is one of the largest auto insurers based on market share and has an excellent reputation for customer satisfaction. It offers 13 discounts, including ones for safe driving and young drivers.


  • High customer satisfaction
  • Largest car insurance company in the U.S.
  • Accident forgiveness for good drivers


  • High NAIC complaint index score 
  • Doesn’t offer gap insurance

State Farm is a top pick for high-risk drivers, and it was also our top pick for car insurance overall for customer satisfaction. It scores at the top of widely-available car insurance companies by JD

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