Best Cheap Car Insurance Companies for High-Risk Drivers in Texas

Auto insurance costs for high-risk drivers in Texas are usually higher than insurance for low-risk drivers. But don't let that get you down. Shopping around and comparing insurers is the best way to save.

State Farm has the highest rating (92 out of 100) and is, therefore, the best option for high-risk drivers in Texas. It costs an average of $1,155 a year and has several perks that make it beat the competition, even if our second-place choice is slightly cheaper.

Farmers is another excellent choice receiving a score of 91 out of 100. It offers the most affordable coverage, costing an average of $1,122 annually.

Texas drivers with a bad driving record — at-fault accidents, speeding tickets, DUI convictions and other traffic violations — should expect to pay about 28% more for car insurance 28% than a driver with a clean record.

Auto insurance for bad drivers costs around $1,509 per year. In contrast, those with clean driving records average around $1,081 annually.

The average annual cost of policies from Farmers is $1,122 per year. Based on MoneyGeek’s rankings, this is the cheapest option for high-risk drivers in Texas.

Use our MoneyGeek’s Farmers Auto Insurance review to learn more about this insurer and how it compares with other options.

High-risk drivers in Texas can generally find the best car insurance policies from State Farm. This insurer received the highest MoneyGeek score of 92 out of 100. It costs around $1,155 per year on average.

Farmers, which scored 91 out of 100, is also worth considering. It offers the cheapest policies at $1,122 per year.

MoneyGeek’s auto insurance review of State Farm and Farmers helps shoppers learn more about these insurers.

Auto insurance costs automatically increase after a DUI. That’s why comparing providers that offer policies at an affordable rate after a DUI record is essential.

In Texas, drivers with a DUI can find the cheapest options from Esurance Auto Insurance. A policy from this insurer costs $1,137 per year on average.

An excellent choice for drivers with DUIs who have military backgrounds may be USAA Auto Insurance.

In Texas, teenage drivers pay more because of a higher perceived risk due to their inexperience behind the wheel.

The cheapest high-risk insurance for teen drivers in Texas is GEICO. Policies from this insurer cost around $3,199 on average.

Refer to MoneyGeek's review of GEICO Auto Insurance to learn how young drivers can save with this insurer.

Auto insurance companies in Texas look at your credit history as a predictor of how likely you are to file claims. Even though the two may seem unrelated, drivers with bad credit scores seem like higher risks to insurers.

The cheapest high-risk insurance company in Texas for drivers with bad credit is Farmers Auto Insurance, which has policies at an average of $1,258 per year. This is about 39% higher than the costs to drivers with good credit, who pay around $767 annually.

Don't forget: Raising your credit score could also help your car insurance prices go down.

Insurance companies look at several risk factors to estimate how much it costs to insure a driver. These factors include but aren't limited to driving record, credit history, and age.

They'll likely charge high-risk drivers in Texas expensive premiums to make up for potential claims.

The average cost of policies for high-risk drivers in Texas is $1,509 per year. Low-risk drivers typically pay around $1,081 per year.

MoneyGeek’s free car insurance calculator for Texas can help you figure out how much car insurance may cost for your profile. Keep in mind that rates differ for each driver as there are numerous factors like age, automobile details, coverage level and driving history taken into account when determining your premiums.

Insurance companies have every right to refuse to insure a driver. But you need insurance to drive, and you can find it. You might turn to an alternate market plan if you've done some research and have been regularly turned down by insurers in Texas.

The Automobile Insurance Plan Service Office (AIPSO), a non-profit company, provides services to high-risk drivers struggling to get insurance.

The Texas Department of Insurance is also a helpful reference for your rights as a consumer.

You may find a residual market plan based on your location using the state-by-state database maintained by AIPSO. In Texas, the residual market plan is called the Texas Automobile Insurance Plan Association (TAIPA).

TAIPA Applicants must attest that they were turned down by at least two different auto insurance providers within the last 60 days to qualify for TAIPA coverage.

Military personnel stationed in Texas or Texas residents who reside outside the state may also apply for TAIPA coverage.

It might be hard to get insurance if you're a high-risk driver. MoneyGeek is here to help by answering your frequently asked questions about high-risk car insurance in Texas.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.