Car Insurance for High-risk Drivers in Texas Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure

Advertiser Disclosure

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

How We Make Money

The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE:

On This Page

eclipse_images/Getty Images April 07, 2022 Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Bankrate logo

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo

The Bankrate promise

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo

Editorial integrity

Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. There were that occurred on the roads in Texas in 2020, with 25% of these accidents involving drivers who were under the influence of alcohol. Drivers who are caught driving under the influence are typically considered riskier to insure since they are more likely to cause a serious or fatal crash. But it’s not just those with DUI convictions on their records who are considered to be by insurance companies. Many insurance providers consider drivers with speeding tickets convictions, uninsured drivers, or drivers who have been found at fault for auto accidents to be high-risk as well. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT

Rates increased up to 12% this year

Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Being labeled a high-risk driver can lead to higher than average insurance premiums and other related issues. As such, you may be struggling to find affordable high-risk car insurance in Texas. To help you understand the options, Bankrate reviewed average rate data for numerous insurance companies in Texas. While your rates will vary, this information may help you better understand the costs of high-risk car insurance in this state, along with the insurance companies may be a good fit for your needs.

Rates for high-risk car insurance in Texas

Insurance rates for Texas drivers who are considered high-risk vary, depending on the infraction and carrier. Some carriers specialize in and still provide affordable coverage for drivers with multiple violations or convictions. Bankrate collected data from the top high-risk auto insurance carriers in Texas to compare how rates can change based on certain high-risk factors. In addition to rate increases, drivers with as a DMV surcharge and face potentially losing coverage for being classified as high-risk by their car insurance company. The rates listed below are for full coverage car insurance.

Rates after a speeding ticket

Car insurance rates typically increase after just a single speeding ticket, sometimes as much as 20 percent or more. The good news is, premiums will usually go down once the speeding ticket falls off your driving record. The bad news is, Texas keeps points on your record for a somewhat long three years. Car insurance company Texas average annual premium for full coverage before a speeding ticket Texas average annual premium for full coverage after a speeding ticket % difference Delek $1,553 $1,716 9% Geico $1,339 $1,681 20% State Farm $1,411 $1,719 18% Not all carriers treat speeding equally; Delek increases the average premium by just 9% for a speeding ticket, while other carriers we looked at were closer to a 20% increase. It’s always a good idea to shop around and compare carriers, and you might want to ask your current carrier what their policy is on speeding tickets.

Rates after an accident

If you are in an accident, your premiums will likely go up unless you have accident forgiveness on your policy and haven’t had an accident in a while. If you are at fault for the accident, premiums are even more likely to increase, as your carrier will likely have to pay out for the other party’s injuries or property damage. Car insurance company Texas average annual premium for full coverage before an accident Texas average annual premium for full coverage after an accident % difference Delek $1,553 $1,595 3% State Farm $1,411 $1,834 23% White Mountains $1,533 $1,965 22% If you have car insurance with one of the larger companies such as State Farm, your premiums will likely go up by upwards of 20 percent after an accident. State Farm does offer accident forgiveness, but only to customers who have been with them and accident-free for nine years, which is a more stringent requirement than some other carriers.

Rates after a DUI

A DUI is usually a more serious and expensive infraction, which will be reflected in your premium increase. Some insurance companies do not allow you to renew a policy if you have a DUI conviction. Texas drivers convicted of a DUI will also . Car insurance company Texas average annual premium for full coverage before a DUI Texas average annual premium for full coverage after a DUI % difference Delek $1,553 $2,077 25% Mercury $1,722 $2,209 22% MetLife $2,375 $5,176 54% MetLife has one of the more significant average increases in premiums after a DUI, while lesser-known carriers Mercury and Delek’s average increases are closer to those you might see with a speeding ticket. When you stack up the likelihood of a hefty premium increase along with all the other fines and fees associated with a DUI, it’s a very expensive infraction. Multiple DUIs are likely to result in you losing coverage altogether.

Rate for teen drivers

Even teen drivers with no accidents or citations on their record typically have more expensive car insurance premiums than other age groups. Teens are because they lack driving experience and tend to take more risks than older drivers. Take a closer look at after you add a 16-year-old to a parental vehicle policy. Car insurance company Average annual premium for full coverage* Geico $1,815 State Farm $1,902 White Mountains $1,771 *16-year-old on their parent’s policy Car insurance rates typically decrease each year for young drivers as long as they drive safely and keep their driving records clean. Also, some carriers offer an insurance discount for teens that pass a driving safety course or maintain good grades.

Who is a high-risk driver

Insurance carriers typically flag drivers as high-risk if they: Have one or more DUI convictions Multiple moving violations, such as speeding tickets or failure to stop at a red light Were at fault in more than one car accident in the last one to three years Bankrate based example rate increases (other than teen drivers) on a driver with a clean record and one instance of speeding or an accident or DUI.

How to lower your rate if you re a high-risk driver

High-risk drivers typically pay more for insurance than a driver with a clean record. However, there are a few ways to save money on car insurance premiums: Enroll in an approved defensive driving course to improve your driving habits and earn a discount on your car insurance. Choose a carrier that offers accident forgiveness for one accident every three years. After a moving violation ticket, sign up for traffic school to avoid the points that raise your car insurance premiums. You can take one approved course per year. Enroll in your car insurance company’s telematics program. You will need to download an app that tracks your driving, such as miles traveled and speed. The safer you drive, the bigger your premium discount will be. Texas assigns you points for each moving violation. The points fall off your record after three years. If you can avoid any new citations during that period, your status will likely change from high-risk to a safe driver, and your premiums will typically decrease.

Frequently asked questions

Is SR-22 car insurance

An is not an insurance policy. It is a certificate of financial responsibility that certifies you are carrying at least the minimum amount of auto insurance required in your state. This document is issued by your car insurance carrier, and high-risk drivers in Texas may be required to acquire one as part of their insurance policy. If you are required to get an SR-22, the best way to start the process may be to speak with your auto insurer and request one. In some cases there may be a related filing fee, but in general, the process is simple, as long as you have the required coverage.

What is a high-risk driver

High-risk drivers are drivers who have certain types of driving incidents on their records. These types of incidents make it more likely that the driver will be involved in accidents or other costly incidences on the road. High-risk drivers may have been found at fault in a car accident, convicted of a DUI or convicted of speeding tickets or other infractions. In most states, these incidents are no longer factored in after three to five years on average, although in some cases, DUIs or other types of serious violations may stay on your record for longer. High-risk drivers typically pay higher auto insurance premiums to offset the increased risk they represent.

How much is high-risk insurance in Texas

The cost of high-risk auto insurance in Texas varies based on the insurance company and the driver’s unique factors. When you’re buying high-risk insurance in Texas, the types of incidents that caused you to be labeled as a high-risk driver will have an impact on your rate as well. For example, a driver in Texas with a DUI conviction would pay, on average, $2,756 per year for full coverage car insurance, while a driver with no violations or accidents on their record would pay $1,823 per year on average for a full coverage policy. Rates for high-risk auto insurance will vary, though, so the best way to find out what you’ll pay for high-risk auto insurance in Texas may be to get quotes from multiple providers and compare the options.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. High-risk drivers
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. SHARE: Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs.

Related Articles