Cheap Car Insurance for High-Risk Drivers in Texas:
Costs and Quotes (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in Texas.

Enter your zipcode to get started

Facebook following

24,000

Followers

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes


Cheapest Insurance Companies for High Risk Drivers in Texas (2021)

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

See All Auto Insurance Companies

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.