How to Find the Best Car Insurance
for High Risk Drivers in Texas

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What Makes a Driver High-Risk in Texas?

Insurance companies serve the coverage needs of motorists. But their goal is to be profitable. Therefore, they have to be smart about how they categorize (and ultimately charge) each driver.

Drivers in Texas who are more likely to make a claim are categorized as high-risk. These drivers include those who make risky driving decisions, such as running red lights, getting DUIs, and having at-fault accident claims. By charging these motorists more, insurance companies can be ready to pay for the claims they predict will come.

Texas Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$254
No Violation
$302
Speeding Ticket
$323
At-Fault Accident
$328
Reckless Driving
$291
Failure to Stop for Red Light / Stop Sign
Driving History

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

What Are the Best Car Insurance Companies for High-Risk Drivers in Texas?

Though different circumstances mean that no two drivers' quotes will be the same, you can use averages to inform your shopping decisions. When comparing high-risk car insurance in Texas, include as many car insurance companies as possible to get a complete picture of available options. You can easily view all your car insurance options from top companies easily using a comparison website like Insurify. The cheapest car insurance company for high-risk drivers in Texas is Clearcover, at $150.87.

CarrierAvg. Monthly Cost
Clearcover Inc$151
Elephant.com$205
Apparent Insurance$205
Travelers$224
Direct Auto$224
AssuranceAmerica$228
SafeAuto$236
Bristol West$242
Safeco Insurance$247
Dairyland Insurance$272

How Much Does High-Risk Driving Affect Car Insurance Rates in Texas?

If the behavior you exhibit on the road is high-risk in the eyes of your insurance carrier, your rates can go up tremendously. If that's where you are now, comparing rates from multiple insurance companies on Insurify can help save you hundreds of dollars over the next few years.

Reckless driving impacts insurance rates more than any other high-risk behavior—pushing monthly insurance premiums up by $74. Speeding or blowing through a stop sign doesn't help rates either, as you can expect your insurance costs to increase by $48 and $37, respectively.

Driving HistoryAvg. Monthly Cost
No Violation$254
Speeding Ticket$302
At-Fault Accident$323
Reckless Driving$328
Failure to Stop for Red Light / Stop Sign$291

How Much Does a Speeding Ticket Impact Car Insurance Rates in Texas?

If your need for speed has gotten you in trouble in Texas, expect to see your insurance premiums surge by nearly $50 a month. You may be able to dismiss your speeding ticket in this state by taking a defensive driving course. Your best option in the future? Stay at the speed limit!

$254
No Violation - Avg. Monthly Rate
$302
Speeding ticket - Avg. Monthly Rate
$48 Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Texas?

While being found at fault for an accident is terrible enough, increased car insurance premiums can further add to your stress. The difference in prices between drivers with and without an at-fault accident on their record amounts to $30 a month.

$254
No Violation - Avg. Monthly Rate
$323
Speeding ticket - Avg. Monthly Rate
$69 Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Texas?

Though the cost increase for running a red light doesn't seem to be that bad initially, even $23 more a month can be damaging to your insurance premiums. How? Carry that extra amount over five years' time, and you'll end up paying an extra $1,380 for your mistake.

$254
No Violation - Avg. Monthly Rate
$291
Speeding ticket - Avg. Monthly Rate
$37 Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Texas?

Insurance companies serve the coverage needs of motorists. But their goal is to be profitable. Therefore, they have to be smart about how they categorize (and ultimately charge) each driver.

Drivers in Texas who are more likely to make a claim are categorized as high-risk. These drivers include those who make risky driving decisions, such as running red lights, getting DUIs, and having at-fault accident claims. By charging these motorists more, insurance companies can be ready to pay for the claims they predict will come.

Tips for Researching High-Risk Texas Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Texas draws a wide variety of choices when factoring high-risk driving insurance rates.

Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.