- Which company has the cheapest car insurance in Texas for a bad driving record?
- How much is high-risk car insurance in Texas?
- What company offers the cheapest car insurance in Texas after a DUI?
- Cheapest car insurance in Texas with multiple tickets
- Which company offers the cheapest insurance for reckless driving in Texas?
- Which company has the cheapest car insurance for drivers with bad credit in Texas?
- What company has the cheapest car insurance in Texas after an accident?
- Which city has the cheapest car insurance for high-risk drivers in Texas?
- How can high-risk drivers lower their car insurance rates in Texas?
- What are Texas's insurance requirements for high-risk drivers?
- Compare Texas high-risk driver car insurance rates with other states
Which company has the cheapest car insurance in Texas for a bad driving record?
Nationwide, GEICO, Auto Club Enterprises (AAA) are the cheapest options. Nationwide has the lowest annual rate at $2,124 per year.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Nationwide | $1,502 | $2,124 |
| GEICO | $1,644 | $2,975 |
| Auto Club Enterprises (AAA) | $1,983 | $3,074 |
| Progressive | $3,032 | $4,260 |
| Allstate | $2,941 | $4,613 |
| State Farm | $1,956 | $5,699 |
| Farmers | $4,127 | $6,461 |
| USAA | $1,812 | $2,496 |
How much is high-risk car insurance in Texas?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Texas, high-risk car insurance costs $3,233 per year. However, you can get rates as low as $2,124 annually from Nationwide.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| State Farm | $1,956 | $2,270 |
| GEICO | $1,644 | $2,565 |
| Nationwide | $1,502 | $2,575 |
| USAA | $1,812 | $2,889 |
| Auto Club Enterprises (AAA) | $1,983 | $3,238 |
| Allstate | $2,941 | $4,638 |
| Progressive | $3,032 | $4,742 |
| Farmers | $4,127 | $7,983 |
PEOPLE ASK:
Who is considered a high-risk driver in Texas?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
What company offers the cheapest car insurance in Texas after a DUI?
While many insurers offer coverage after a DUI, GEICO has the lowest rate at $2,854 a year.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Texas.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| GEICO | $1,644 | $2,854 |
| State Farm | $1,956 | $3,054 |
| Auto Club Enterprises (AAA) | $1,983 | $3,274 |
| Nationwide | $1,502 | $3,331 |
| Progressive | $3,032 | $3,565 |
| Allstate | $2,941 | $4,611 |
| Farmers | $4,127 | $6,828 |
| USAA | $1,812 | $2,738 |
Cheapest car insurance in Texas with multiple tickets
For drivers with multiple tickets, Nationwide offers the lowest premiums, averaging $1,832 per year or $153 per month.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Texas how much having multiple tickets can raise their insurance premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Nationwide | $1,502 | $1,832 |
| GEICO | $1,644 | $2,559 |
| Auto Club Enterprises (AAA) | $1,983 | $2,938 |
| Progressive | $3,032 | $4,103 |
| Farmers | $4,127 | $5,854 |
| USAA | $1,812 | $2,052 |
Key insight
Two minor tickets can sometimes cost you more on insurance in the end than one major violation.
Which company offers the cheapest insurance for reckless driving in Texas?
Nationwide has the cheapest rates for drivers with reckless driving convictions at $1,832 a year.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| Nationwide | $1,502 | $1,832 |
| GEICO | $1,644 | $2,854 |
| State Farm | $1,956 | $3,054 |
| Auto Club Enterprises (AAA) | $1,983 | $3,274 |
| Progressive | $3,032 | $4,451 |
| Allstate | $2,941 | $4,611 |
| Farmers | $4,127 | $6,549 |
| USAA | $1,812 | $2,738 |
Key insight
A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.
Which company has the cheapest car insurance for drivers with bad credit in Texas?
The cheapest Texas insurer for bad credit is Nationwide, with rates averaging $2,089 per year or $174 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Texas car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Nationwide | $1,502 | $2,089 |
| Auto Club Enterprises (AAA) | $1,983 | $3,081 |
| GEICO | $1,644 | $4,469 |
| Allstate | $2,941 | $4,615 |
| Progressive | $3,032 | $5,239 |
| Farmers | $4,127 | $7,202 |
| State Farm | $1,956 | $10,987 |
| USAA | $1,812 | $3,342 |
What company has the cheapest car insurance in Texas after an accident?
State Farm has the lowest rates after an accident at $2,270 a year. GEICO also has affordable rates at $2,565 a year.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| State Farm | $1,956 | $2,270 | $2,661 |
| GEICO | $1,644 | $2,565 | $3,574 |
| Nationwide | $1,502 | $2,575 | $3,527 |
| Auto Club Enterprises (AAA) | $1,983 | $3,238 | $4,413 |
| Allstate | $2,941 | $4,638 | $5,943 |
| Progressive | $3,032 | $4,742 | $6,257 |
| Farmers | $4,127 | $8,129 | $12,850 |
| USAA | $1,812 | $2,889 | $5,001 |
Key insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city has the cheapest car insurance for high-risk drivers in Texas?
Bowie has the cheapest car insurance rates in Texas, averaging $2,889 a year. However, the most expensive city is Houston, with average insurance rates of $3,667 annually.
Where you live in Texas also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Bowie | $1,831 | $2,889 |
| Frisco | $1,909 | $3,034 |
| Crystal City | $1,950 | $3,037 |
| Bishop | $1,925 | $3,051 |
| Austin | $1,930 | $3,058 |
| Zavalla | $1,949 | $3,088 |
| Higgins | $2,004 | $3,117 |
| Plano | $1,994 | $3,169 |
| Fort Worth | $2,030 | $3,212 |
| Cypress | $2,062 | $3,262 |
| Kermit | $2,093 | $3,265 |
| Irving | $2,153 | $3,401 |
| Beaumont | $2,149 | $3,425 |
| San Antonio | $2,181 | $3,466 |
| Dallas | $2,278 | $3,601 |
| Houston | $2,317 | $3,667 |
How can high-risk drivers lower their car insurance rates in Texas?
Finding affordable car insurance in Texas is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Texas also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Texas?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
What are Texas's insurance requirements for high-risk drivers?
If you're a high-risk driver in Texas, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.
An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high risk drivers or handle SR-22 filings.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare Texas high-risk driver car insurance rates with other states
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