Cheap Car Insurance for High-Risk Drivers in Texas:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Insurance Companies for High Risk Drivers in Texas (2022)

For drivers that are high-risk in Texas, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Texas. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Texas.

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
$302
$323
$328
$291
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
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.

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 History
No Violation$254
Speeding Ticket$302
At-Fault Accident$323
Reckless Driving$328
Failure to Stop$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
$302
No Violation - Avg. Monthly RateSpeeding 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
$323
No Violation - Avg. Monthly RateSpeeding 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
$291
No Violation - Avg. Monthly RateSpeeding 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.

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FAQs - Texas Car Insurance

Why is car insurance so expensive in Texas?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Texas?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Texas. Insurify analyzed the latest data for the five most populous cities in Texas to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Texas?

The way to find the carrier with the best auto insurance ratings in Texas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in Texas?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.