Car Insurance for High-Risk Drivers in Texas (2026)
State Farm offers the cheapest rates in Texas for high-risk drivers, averaging $54 monthly for drivers with incidents on their records.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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John LeachLicensed P&C Agent, Chief Copy Editor
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Reviewed byDavid Marlett
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David MarlettAdvisor
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If speeding tickets, DWIs, or at-fault accidents have made it difficult for you to get cheap car insurance in Texas, you still have options. State Farm, Allstate, and Mile Auto offer the cheapest rates for high-risk drivers in Texas, with minimum coverage that ranges from $54 to $74 per month, on average.
Texas requires all drivers to carry minimum liability insurance, but high-risk drivers may struggle to find cheap coverage or an insurer that will sell them a policy. On average, Texas drivers with clean records pay $111 per month for liability insurance, while drivers with a recorded incident pay $133.
Here’s what you need to know about finding car insurance coverage as a high-risk driver in the Lone Star State.
Quick Facts
Nearly 8% of Texas drivers have an incident on their records that can make insurers view them as high-risk drivers, according to Insurify data.
The Texas Automobile Insurance Plan Association (TAIPA) is a state program that assigns insurance companies to high-risk drivers previously rejected by at least two insurers.[1]
If you have a conviction for a drug offense, DWI, or driving without a valid license, Texas state law requires you to file an SR-22 financial responsibility certificate.[2]
Best car insurance for high-risk drivers in Texas
Auto insurance costs can vary depending on the specific traffic violations you have that qualify you as a high-risk driver. The best way to find the right coverage for your needs is to compare quotes from multiple insurers.
You may want to start your search for the most affordable high-risk auto insurance with State Farm, USAA, and The General.
State Farm: Best for low rates
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $84/mo |
4.0
Best choiceBased on 18,123 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 reviews from Texas driversSee all 7,558 State Farm reviews
Verified Review
Reviewed in Texas on May 19, 2026
I've checked around and a lot of other insurance companies are higher. Check the fine print.
Verified Review
Reviewed in Texas on May 18, 2026
I spent hours on hold on the phone and spoke with multiple people who couldn't make a decision and had to talk to a manager. For what they charged, it was a terrible experience.
Verified Review
Reviewed in Texas on May 15, 2026
Very little communication - just when rates are increased. Agent never available - inquiries handled by office staff with not much clarification.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is a standard insurance company that writes policies for high-risk drivers. Although State Farm’s rates for high-risk drivers likely exceed its premiums for low-risk drivers, the company generally has cheaper premiums than companies that exclusively sell coverage to high-risk drivers.
Pros
Offers SR-22 certification
Rated highly in the 2023 J.D. Power Auto Claims Satisfaction Study
Lower-than-average score on the National Association of Insurance Commissioners (NAIC) complaint index
Cons
Gap insurance not available
Policies only available through a State Farm agent
Very low rating from customers on Trustpilot
USAA: Best for military members
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $150/mo |
4.9
Best choiceBased on 3,637 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 43 reviews from Texas driversSee all 1,575 USAA reviews
Verified Review
Reviewed in Texas on May 19, 2026
USAA is too costly, changes policy without consent, and is a nightmare to deal with on claims. Our last claim, they offered us a final offer of exactly half what our vehicle was worth. We had to hire an independent appraiser, they wouldn’t honor his appraisal, then we had to pay for a mediator to get even near what the vehicle was worth. Our own insurance company fought us at every turn for what our vehicle was obviously worth. The policy has gone up more than 4 times our initial quote. I don’t know why we stuck with them for so long. Quotes from other companies put our 6-month price less than 1 month of USAA’s prices. We are dumping them as soon as possible. It isn’t the same USAA it was 20 years ago. We have good credit and clean driving records. The last thing we want after being in an accident is to have to fight with our own provider that we were paying top dollar for. Our payout finally came after 1 year of dealing with them, hiring our own appraisal, and paying for mediation. My only advice is if you use USAA and get into an accident, immediately hire an attorney to deal with it all for you; otherwise, stay away from this company at all costs. They are not worth the high premiums they charge.
Verified Review
Reviewed in Texas on May 14, 2026
The rates are too high. They are astronomically ridiculous regardless of whether or not I've had a collision.
Verified Review
Reviewed in Texas on May 11, 2026
Pretty good, but still way too expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
For active-duty military members, veterans, their spouses and children, and pre-commissioned officers, USAA is one of the best options for high-risk insurance. With a very high J.D. Power customer satisfaction rating and programs like pay-as-you-drive, good student discounts for teens, and on-base military discounts, USAA can help you afford auto insurance even after an incident makes it tough for you to find an insurer.
Pros
Offers SR-22 certification
Rated highly in the 2023 J.D. Power Auto Claims Satisfaction Study
Offers usage-based insurance options
Cons
Only available for active-duty and retired military members and their families
No live 24/7 customer phone support
Very low rating from customers on Trustpilot
The General: Best for very high-risk drivers
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $92/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $202/mo |
3.4
A solid optionBased on 1,360 verified driver reviews and ratings
The General's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.2 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 10 reviews from Texas driversSee all 559 The General reviews
Verified Review
Reviewed in Texas on April 17, 2026
Expensive and they raise rates when changing vehicles? I'm already looking for a new company 4 months in. I do not recommend.
Verified Purchase
Reviewed in Texas on April 9, 2026
So far, so good. I wish I had the ability to pay in advance. Sometimes I have the money before the payment due date, and it doesn't allow me to prepay.
Verified Purchase
Reviewed in Texas on April 2, 2026
Did not get the price that was originally agreed upon, which was $70, and I'm paying $90 a month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
585NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.51A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
The General specializes in non-standard auto insurance for high-risk drivers. That means the company can serve Texas drivers who standard auto insurers have declined to insure. Drivers with a bad credit history, past at-fault accidents, or lapses in coverage that lasted five years or more might find that The General is a good option for their needs.
Pros
Offers SR-22 certification
Competitive prices for very high-risk drivers
Has a financial strength rating of A (Excellent) from AM Best
Cons
Higher-than-average score on the NAIC complaint index
Not rated by J.D. Power for claims satisfaction
Limited coverage options
Cheapest car insurance for Texas high-risk drivers by driver profile
Each insurance company has its own way of defining and setting rates for high-risk drivers. But some common characteristics of high-risk drivers include:
Multiple accidents (even if you weren’t at fault)
Traffic violations
Driving without a license or insurance
Speeding tickets
DUI or DWI convictions
Multiple claims
Inexperience
Poor credit
Coverage gaps (or no previous coverage)
The following table shows average monthly car insurance premiums for different high-risk drivers in Texas, based on Insurify data.
Driver Profile  | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $111 | $207 |
| Speeding tickets | $139 | $259 |
| At-fault accident | $148 | $276 |
| With a DUI/DWI | $153 | $286 |
| Poor credit | $139 | $259 |
| Teen/young driver | $218 | $406 |
| Senior/70+ driver | $94 | $176 |
Disclaimer: Table data is based on real-time Texas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest car insurance for Texas high-risk drivers with speeding tickets
Exceeding the speed limit can increase your insurance costs. Insurers view drivers who speed as more likely to get into accidents, which means they tend to increase premium rates for drivers with speeding tickets. If you have multiple speeding tickets on your record, your insurance company may even drop your coverage.
Compare average premiums for Texas drivers with speeding tickets below.
The below rates in Texas are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. |
|---|---|---|---|
| State Farm | $56 | $107 | $9 |
| Mile Auto | $77 | $164 | $9 |
| Allstate | $81 | $155 | $9 |
| Progressive | $81 | $145 | $9 |
| GEICO | $92 | $193 | $9 |
| USAA | $101 | $194 | $9 |
| Freedom National | $107 | $345 | $0 |
| First Acceptance | $112 | $269 | $0 |
| Commonwealth Casualty | $116 | $254 | $6 |
| Alinsco | $117 | $224 | $0 |
| Mercury | $119 | $190 | $8 |
| GAINSCO | $120 | $225 | $8 |
| Lone Star | $120 | $279 | $0 |
| The General | $123 | $271 | $7 |
| Dairyland | $127 | $304 | $8 |
| Nationwide | $127 | $244 | $9 |
| Bristol West | $129 | $245 | $7 |
| Clearcover | $130 | $222 | $7 |
| Covercube | $134 | $305 | $0 |
| Mendota | $134 | $257 | $0 |
| Root | $137 | $223 | $8 |
| AssuranceAmerica | $138 | $256 | $6 |
| Sun Coast | $143 | $279 | $0 |
| Direct Auto | $146 | $226 | $8 |
| National General | $146 | $238 | $7 |
| Elephant | $148 | $222 | $9 |
| Safeco | $151 | $220 | $8 |
| Loop | $152 | $274 | $0 |
| Chubb | $170 | $324 | $7 |
| Trexis One | $172 | $348 | $0 |
| 21st Century | $202 | $388 | $7 |
| Liberty Mutual | $238 | $340 | $8 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for Texas high-risk drivers with an at-fault accident
An accident can happen to anyone, but having an at-fault accident can increase your insurance costs significantly. Insurers view drivers with a past accident as more likely to have another and increase their rates accordingly.
If you have more than one recent at-fault accident, your insurance company may even decide to drop your coverage. At that point, you may need to find a high-risk insurance company to get the coverage you need.
Compare average car insurance premiums for Texas drivers with past at-fault accidents below.
The below rates in Texas are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. |
|---|---|---|---|
| State Farm | $59 | $112 | $9 |
| Allstate | $84 | $160 | $9 |
| Mile Auto | $85 | $183 | $9 |
| Progressive | $87 | $154 | $9 |
| GEICO | $93 | $194 | $9 |
| USAA | $105 | $202 | $9 |
| Freedom National | $113 | $366 | $0 |
| First Acceptance | $118 | $286 | $0 |
| Alinsco | $124 | $238 | $0 |
| The General | $127 | $279 | $7 |
| Lone Star | $128 | $297 | $0 |
| GAINSCO | $129 | $242 | $8 |
| Mercury | $129 | $206 | $8 |
| Commonwealth Casualty | $130 | $284 | $6 |
| Nationwide | $133 | $255 | $9 |
| Bristol West | $135 | $257 | $7 |
| Dairyland | $136 | $324 | $8 |
| Root | $139 | $226 | $8 |
| Covercube | $142 | $324 | $0 |
| Mendota | $142 | $273 | $0 |
| AssuranceAmerica | $144 | $268 | $6 |
| Clearcover | $146 | $249 | $7 |
| Sun Coast | $152 | $297 | $0 |
| National General | $157 | $256 | $7 |
| Direct Auto | $159 | $246 | $8 |
| Safeco | $161 | $233 | $8 |
| Loop | $161 | $292 | $0 |
| Elephant | $161 | $243 | $9 |
| Chubb | $178 | $340 | $7 |
| Trexis One | $182 | $370 | $0 |
| 21st Century | $209 | $402 | $7 |
| Liberty Mutual | $250 | $356 | $8 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance rates for high-risk drivers in Texas with a DWI
Driving under the influence of alcohol or other drugs puts everyone on the road at risk. Texas charges a fine of up to $2,000, imposes up to 180 days in jail, and revokes your driver’s license for up to one year for your first offense.[3]
Insurance companies recognize the dangers of driving while intoxicated and will likely raise your rates or drop your coverage if you receive a DWI conviction.
Below, you can see average insurance premiums for Texas drivers with a past DWI.
The below rates in Texas are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. |
|---|---|---|---|
| State Farm | $62 | $119 | $9 |
| Allstate | $87 | $168 | $9 |
| Mile Auto | $89 | $191 | $9 |
| Progressive | $90 | $160 | $9 |
| GEICO | $98 | $206 | $9 |
| USAA | $110 | $212 | $9 |
| Freedom National | $117 | $380 | $0 |
| First Acceptance | $123 | $297 | $0 |
| The General | $125 | $275 | $7 |
| Alinsco | $129 | $247 | $0 |
| Mercury | $129 | $205 | $8 |
| Lone Star | $133 | $308 | $0 |
| Commonwealth Casualty | $134 | $293 | $6 |
| Nationwide | $138 | $265 | $9 |
| GAINSCO | $141 | $265 | $8 |
| Bristol West | $144 | $274 | $7 |
| Clearcover | $144 | $246 | $7 |
| Dairyland | $144 | $344 | $8 |
| Root | $147 | $238 | $8 |
| Covercube | $148 | $336 | $0 |
| Mendota | $148 | $283 | $0 |
| AssuranceAmerica | $152 | $284 | $6 |
| Sun Coast | $158 | $308 | $0 |
| Direct Auto | $164 | $254 | $8 |
| National General | $165 | $270 | $7 |
| Loop | $167 | $303 | $0 |
| Safeco | $172 | $250 | $8 |
| Elephant | $174 | $261 | $9 |
| Chubb | $188 | $358 | $7 |
| Trexis One | $189 | $384 | $0 |
| 21st Century | $207 | $399 | $7 |
| Liberty Mutual | $264 | $377 | $8 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance rates for teens and young drivers in Texas
Teen drivers were involved in more than 176,600 car accidents in Texas in 2025, according to state Department of Transportation data. Of those, 825 resulted in fatalities.
Inexperience and developing driving skills put young drivers at greater risk for accidents. Texas addresses those risks with a graduated driver licensing program that helps teens safely gain experience and improve their driving skills.
The following table shows average monthly liability-only and full-coverage quotes from top insurers for teen drivers in Texas.
The below rates in Texas are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. |
|---|---|---|---|
| State Farm | $89 | $169 | 9 |
| Allstate | $127 | $244 | 9 |
| Progressive | $127 | $227 | 9 |
| GEICO | $132 | $276 | 9 |
| Mile Auto | $134 | $288 | 9 |
| USAA | $150 | $288 | 9 |
| Mercury | $164 | $261 | 8 |
| Freedom National | $167 | $539 | 0 |
| The General | $172 | $377 | 7 |
| First Acceptance | $174 | $421 | 0 |
| Clearcover | $175 | $298 | 7 |
| Alinsco | $182 | $351 | 0 |
| Dairyland | $185 | $443 | 8 |
| GAINSCO | $186 | $349 | 8 |
| Root | $186 | $302 | 8 |
| Lone Star | $188 | $437 | 0 |
| Bristol West | $188 | $358 | 7 |
| Commonwealth Casualty | $191 | $417 | 6 |
| Nationwide | $198 | $381 | 9 |
| Covercube | $210 | $476 | 0 |
| Mendota | $210 | $402 | 0 |
| Sun Coast | $223 | $437 | 0 |
| Elephant | $228 | $343 | 9 |
| AssuranceAmerica | $232 | $431 | 6 |
| Direct Auto | $234 | $363 | 8 |
| Loop | $237 | $429 | 0 |
| Safeco | $242 | $351 | 8 |
| National General | $242 | $396 | 7 |
| Trexis One | $268 | $545 | 0 |
| Chubb | $283 | $541 | 7 |
| 21st Century | $286 | $550 | 7 |
| Liberty Mutual | $341 | $487 | 8 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance rates for drivers over 70 in Texas
Texas seniors were involved in 61,224 crashes in 2025, of which 488 were fatal. Senior drivers in Texas are nearly twice as likely to be involved in a fatal accident as teen drivers, based on state Department of Transportation data.
Because serious accident risks increase for seniors after age 70, insurance rates generally start to increase again. Here’s a look at what top Texas insurers charge seniors in their 70s.
The below rates in Texas are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. |
|---|---|---|---|
| State Farm | $34 | $64 | 9 |
| Allstate | $50 | $96 | 9 |
| Mile Auto | $53 | $114 | 9 |
| GEICO | $56 | $117 | 9 |
| Progressive | $58 | $104 | 9 |
| USAA | $65 | $125 | 9 |
| Mercury | $72 | $114 | 8 |
| Nationwide | $75 | $144 | 9 |
| Freedom National | $76 | $247 | 0 |
| First Acceptance | $80 | $193 | 0 |
| The General | $82 | $179 | 7 |
| Alinsco | $83 | $161 | 0 |
| Lone Star | $86 | $200 | 0 |
| Commonwealth Casualty | $87 | $189 | 6 |
| Root | $87 | $142 | 8 |
| Bristol West | $87 | $166 | 7 |
| GAINSCO | $91 | $171 | 8 |
| Dairyland | $92 | $220 | 8 |
| AssuranceAmerica | $93 | $172 | 6 |
| Clearcover | $95 | $163 | 7 |
| National General | $95 | $156 | 7 |
| Covercube | $96 | $218 | 0 |
| Mendota | $96 | $184 | 0 |
| Direct Auto | $99 | $154 | 8 |
| Chubb | $100 | $192 | 7 |
| Sun Coast | $102 | $200 | 0 |
| Safeco | $103 | $149 | 8 |
| Elephant | $105 | $158 | 9 |
| Loop | $109 | $197 | 0 |
| Trexis One | $123 | $249 | 0 |
| 21st Century | $125 | $240 | 7 |
| Liberty Mutual | $157 | $224 | 8 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Car insurance requirements for high-risk drivers in Texas
Texas requires all drivers to carry minimum coverage to drive legally. Specifically, you must carry enough insurance to cover at least:[4]
$30,000 for bodily injury liability per person
$60,000 for bodily injury liability per accident
$25,000 for property damage liability
If you’re a high-risk driver with a poor driving record, Texas may require you to file an SR-22 financial responsibility certificate with the Texas Department of Public Safety. The SR-22, which your insurance agent or company files for you, certifies that you carry the state’s minimum motor vehicle insurance. If you need to file an SR-22 form, you may need to turn to a high-risk insurance company.
Good to Know
If you can’t find insurers that will sell you an applicable insurance policy because of your high-risk status, you can still get minimum coverage through the Texas Automobile Insurance Plan Association (TAIPA). This program assigns an insurance company to a high-risk driver who’s been rejected by at least two insurers. But you can’t get full-coverage car insurance through TAIPA.
Penalties for driving without insurance
Texas takes driving without insurance very seriously. For a first offense, an uninsured driver will have to pay a fine of $175–$350.
A second offense will result in a fine of $350–$1,000, suspension of license and registration, and impoundment of your vehicle until you can provide proof of insurance. You can face up to 180 days of vehicle impoundment, and you’ll have to pay a $15 daily impoundment fee.
Who’s a high-risk driver in Texas?
Insurance companies determine whether a driver qualifies as high-risk. Insurers look for risk factors that make it more likely that a driver will file a claim.
The following factors increase the likelihood of filing a future insurance claim, compared to the average driver.
Traffic violations and tickets
Texas state law specifies that certain convictions require you to file an SR-22 form, including DUIs, drug offenses, and driving without a valid license. Having too many minor violations and tickets may also make you a higher-risk driver.
Accidents and claims
Having a car accident can increase your rate, even if it’s not a severe accident. At-fault accidents indicate that you’re more likely to file a claim.
Credit and financial history
Texas insurers can use your credit history to help determine your premiums, but they can’t deny you coverage solely because of poor credit.
Age and driving experience
Teen drivers are inexperienced, which makes them some of the riskiest and most expensive to insure. Similarly, older drivers may have slower reaction times than they used to, making them more likely to cause an accident.
Vehicle type and usage
What kind of vehicle you drive and how you drive it can affect risk factors.
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How to lower your car insurance rates as a high-risk driver in Texas
A high-risk driver in Texas will pay higher insurance premiums than someone with a clean driving history. But you can use a few strategies to improve your driving record and reduce the cost of your auto insurance coverage:
Take a defensive driving course. The Texas Department of Licensing & Regulation will sometimes dismiss eligible traffic citations if the driver takes a driving safety course, and many insurers offer discounts to drivers who complete such a course.[5] Taking a defensive driving class can also help you avoid traffic violations in the future.
Seek out legal advice. Whether you’re facing a citation for a serious violation or need to contest a ticket that you think is erroneous, it’s a good idea to consult a lawyer who specializes in traffic law. They can help you navigate the legal system and potentially minimize the damage to your driving record and how much your insurer raises your rates.
Improve your credit. The Texas Department of Insurance allows insurance companies to use your credit-based insurance score as a factor in determining your insurance rates. High-risk drivers who have bad credit pay more for insurance than low-risk drivers with good credit. Working to improve your credit score — by making on-time payments and reducing your debt-to-income ratio — can help you lower your rates.
Compare quotes from standard and non-standard insurers. When you need car insurance, you may immediately think of well-known insurers, like State Farm, Allstate, or GEICO. While standard insurers like these may cover high-risk drivers in some cases, it may be worth considering non-standard insurance companies. Non-standard auto insurance companies specifically serve high-risk drivers who might have trouble buying insurance. Texas has multiple non-standard insurers for you to consider.
Car insurance for high-risk drivers in Texas FAQs
Finding the best cheap high-risk car insurance can feel overwhelming. The following information can help answer your remaining questions about high-risk insurance in Texas.
What is the cheapest car insurance in Texas for high-risk drivers?
State Farm has the cheapest rates for high-risk drivers in Texas. Its average monthly rate for high-risk Texas drivers is $54 for liability-only policies.
How much does high-risk car insurance cost in Texas?
On average, high-risk car insurance costs $248 per month for full coverage in Texas. The average for liability-only policies for high-risk drivers is $133 per month.
Who’s considered a high-risk driver in Texas?
Generally, insurance companies consider drivers with violations on their records to be high-risk. That means if you have tickets, at-fault accidents, or DWI convictions in Texas, insurers could label you as a high-risk driver. Teen drivers and seniors older than 70 are also high-risk due to a greater likelihood of getting into an accident.
What is non-standard auto insurance?
Non-standard auto insurance is usually coverage from a non-standard insurer that specializes in providing insurance to high-risk drivers. Non-standard insurers may be more likely to sell you a policy as a high-risk driver, but their rates are often higher due to the increased risk they take on.
How can a high-risk driver lower their premium in Texas?
You can take steps to reduce your car insurance premium even as a high-risk driver. In the short term, compare quotes from multiple companies since insurers vary on what they charge high-risk drivers. Ask about any discounts you may qualify for, including any discounts for taking driver safety courses. Long-term, do your best to avoid further violations and practice safe driving habits. A good driving record can help you get cheaper car insurance in Texas.
How long are you considered a high-risk driver in Texas?
If you have to file an SR-22 certificate in Texas, you must maintain SR-22 coverage for two years.
Do high-risk drivers pay lower insurance premiums?
No. High-risk drivers are statistically more likely to file claims than low-risk drivers, which means they could potentially lead to higher payouts for car insurance companies. Auto insurance companies, including high-risk car insurance companies, pass that additional cost on to high-risk drivers in the form of higher premiums.
Why are you getting denied SR-22 car insurance?
Texas drivers have to provide an SR-22 only if the state has suspended their driving privileges because of a traffic violation. Insurance companies consider such drivers to be high-risk and may refuse coverage, which means the insurer won’t provide an SR-22 certificate to the state.
Sources
- Texas Automobile Insurance Plan Association. "For Insureds."
- Texas Department of Public Safety. "Section 9: SR-22 (Proof of Financial Responsibility)."
- Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
- Texas Department of Insurance. "Auto insurance guide."
- Texas Department of Licensing & Regulation. "Taking a Driving Safety (Defensive Driving) Course."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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