High-Risk Driver Insurance: What Are Your Options in Texas?

Navigating auto insurance in Texas can be challenging, especially if insurers classify you as a high-risk driver. Understanding your options is the first step toward staying on the road and meeting state legal requirements.

What Makes a Driver “High-Risk”?

Insurance companies in Texas may consider you high risk if you have:

• Multiple at-fault accidents or traffic violations
• A DUI or DWI conviction
• A history of driving without insurance
• Recent license suspension

Being classified as high-risk can make you ineligible for standard auto insurance, and you may face higher premiums.

Insurance Options for High-Risk Drivers

An agent from Payless Auto Insurance can help you learn more about the following options:

1. Standard insurance with higher premiums—Some insurers may still offer you coverage, but at a higher rate. Shopping around can help you find the most competitive pricing.
2. Non-standard or high-risk auto insurance—Specialized insurers focus on providing coverage for drivers with challenging records. These policies are designed to meet state requirements and can help you maintain legal driving status.
3. Texas SR-22—SR-22 is a certificate proving you carry the state’s minimum required liability insurance. If you’re required to file it, our team can assist with the necessary paperwork with the Texas Department of Public Safety.
4. State-assigned risk pools—If you’re unable to find coverage through the standard market, Texas offers the Texas Automobile Insurance Plan Association (TAIPA), which assigns you to an insurer willing to provide basic coverage.

We’re Here to Help

Payless Auto Insurance works with a wide network of insurance providers to help high-risk drivers find car insurance options. Our agents can review your situation and help you secure appropriate coverage. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.