Cheapest car insurance for high-risk drivers in Texas
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Texas is Nationwide, followed by State Farm and Auto Club Enterprises (AAA).
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,879 | $157 |
| State Farm | $1,917 | $160 |
| Auto Club Enterprises (AAA) | $2,503 | $209 |
| Geico | $2,817 | $235 |
| Progressive | $2,836 | $236 |
| Mercury Insurance | $2,997 | $250 |
| Farmers | $3,553 | $296 |
| Allstate | $4,612 | $384 |
| USAA | $2,309 | $192 |
Average rates for high-risk drivers in Texas by driving record
Average cost of car insurance in Texas for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| State Farm | $1,642 |
| Nationwide | $2,085 |
| Geico | $2,441 |
| Auto Club Enterprises (AAA) | $2,641 |
| USAA | $2,670 |
| Progressive | $3,236 |
| Mercury Insurance | $4,031 |
| Farmers | $4,793 |
| Allstate | $5,613 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Texas for a driver with a DUI is State Farm with an average annual of $2,281 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $2,281 | $190 |
| Progressive | $2,429 | $202 |
| Nationwide | $2,635 | $220 |
| Auto Club Enterprises (AAA) | $2,665 | $222 |
| Geico | $2,722 | $227 |
| Mercury Insurance | $2,748 | $229 |
| Farmers | $3,001 | $250 |
| Allstate | $5,654 | $471 |
| USAA | $2,533 | $211 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Texas, the cheapest car insurance with multiple tickets is from Nationwide. It offers full coverage insurance at $1,664 per year or $139 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,664 | $139 |
| Auto Club Enterprises (AAA) | $2,393 | $199 |
| Geico | $2,429 | $202 |
| Progressive | $2,656 | $221 |
| Mercury Insurance | $2,896 | $241 |
| Farmers | $3,690 | $308 |
| USAA | $1,903 | $159 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Texas, Nationwide offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,664 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,664 | $139 |
| State Farm | $2,281 | $190 |
| Auto Club Enterprises (AAA) | $2,665 | $222 |
| Geico | $2,722 | $227 |
| Progressive | $3,038 | $253 |
| Mercury Insurance | $3,565 | $297 |
| Farmers | $4,109 | $342 |
| Allstate | $5,654 | $471 |
| USAA | $2,533 | $211 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Texas is Nationwide with an average annual cost of $1,986 or $166 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,986 | $166 |
| Auto Club Enterprises (AAA) | $2,507 | $209 |
| State Farm | $2,846 | $237 |
| Mercury Insurance | $2,981 | $248 |
| Farmers | $3,141 | $262 |
| Progressive | $3,577 | $298 |
| Geico | $4,173 | $348 |
| Allstate | $5,673 | $473 |
| USAA | $3,080 | $257 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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