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Texas Car Insurance for High Risk Drivers (With Quotes)
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Written by
Jeanette Wisniewski
Insurance Writer
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Reviewed by
Janeth Lopez
Licensed Insurance Agent
Janeth Lopez is a licensed insurance agent. She specializes in auto, home, business, life, and RV insurance.
Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Texas (2022)
For drivers that are high-risk in Texas, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Texas. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Texas.
| Carrier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Clearcover Inc | $151 |
| Elephant.com | $205 |
| Apparent Insurance | $205 |
| Travelers | $224 |
| Direct Auto | $224 |
| AssuranceAmerica | $228 |
| SafeAuto | $236 |
| Bristol West | $242 |
| Safeco Insurance | $247 |
| Dairyland Insurance | $272 |
What Makes a Driver High-Risk in Texas?
Insurance companies serve the coverage needs of motorists. But their goal is to be profitable. Therefore, they have to be smart about how they categorize (and ultimately charge) each driver.
Drivers in Texas who are more likely to make a claim are categorized as high-risk. These drivers include those who make risky driving decisions, such as running red lights, getting DUIs, and having at-fault accident claims. By charging these motorists more, insurance companies can be ready to pay for the claims they predict will come.
Texas Car Insurance Rates for High-Risk Drivers
No Violation$254
Failure to Stop$291
Speeding Ticket$302
At-Fault Accident$323
Reckless Driving$328
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in Texas?
If the behavior you exhibit on the road is high-risk in the eyes of your insurance carrier, your rates can go up tremendously. If that's where you are now, comparing rates from multiple insurance companies on Insurify can help save you hundreds of dollars over the next few years.
Reckless driving impacts insurance rates more than any other high-risk behavior—pushing monthly insurance premiums up by $74. Speeding or blowing through a stop sign doesn't help rates either, as you can expect your insurance costs to increase by $48 and $37, respectively.
| Driving History | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| No Violation | $254 |
| Speeding Ticket | $302 |
| At-Fault Accident | $323 |
| Reckless Driving | $328 |
| Failure to Stop | $291 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Texas?
If your need for speed has gotten you in trouble in Texas, expect to see your insurance premiums surge by nearly $50 a month. You may be able to dismiss your speeding ticket in this state by taking a defensive driving course. Your best option in the future? Stay at the speed limit!
No Violation - Avg. Monthly Rate$254
Speeding ticket - Avg. Monthly Rate$302
$48 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in Texas?
While being found at fault for an accident is terrible enough, increased car insurance premiums can further add to your stress. The difference in prices between drivers with and without an at-fault accident on their record amounts to $30 a month.
No Violation - Avg. Monthly Rate$254
Speeding ticket - Avg. Monthly Rate$323
$69 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Texas?
Though the cost increase for running a red light doesn't seem to be that bad initially, even $23 more a month can be damaging to your insurance premiums. How? Carry that extra amount over five years' time, and you'll end up paying an extra $1,380 for your mistake.
No Violation - Avg. Monthly Rate$254
Speeding ticket - Avg. Monthly Rate$291
$37 ▴
Avg. Monthly Rate Increase
Does Driving With a Suspended License Impact Car Insurance Rates in Texas?
Insurance companies serve the coverage needs of motorists. But their goal is to be profitable. Therefore, they have to be smart about how they categorize (and ultimately charge) each driver.
Drivers in Texas who are more likely to make a claim are categorized as high-risk. These drivers include those who make risky driving decisions, such as running red lights, getting DUIs, and having at-fault accident claims. By charging these motorists more, insurance companies can be ready to pay for the claims they predict will come.
Tips for Researching High-Risk Texas Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Texas draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Texas Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Texas. Insurify analyzed the latest data for the five most populous cities in Texas to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Texas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.