Can High-Risk Drivers Get Affordable GEICO Coverage?

Driving is a necessity for millions of Americans, but not everyone has a flawless record. Speeding tickets, DUIs, at-fault accidents, or even a lapse in coverage can label you as a high-risk driver. When insurers see you as a liability, premiums skyrocket—sometimes to unaffordable levels.

GEICO, one of the largest auto insurers in the U.S., is known for competitive rates. But can high-risk drivers actually secure affordable GEICO coverage? The answer isn’t black and white, but with the right strategies, it’s possible.

What Makes a Driver "High-Risk"?

Insurance companies assess risk based on several factors. If you fall into any of these categories, you may be classified as high-risk:

1. Traffic Violations & DUIs

Multiple speeding tickets, reckless driving, or a DUI conviction signal higher risk. Insurers assume you’re more likely to file a claim.

2. At-Fault Accidents

If you’ve caused an accident (especially with injuries or major damage), insurers see you as a repeat risk.

3. Poor Credit History

In most states, credit scores influence premiums. Low credit = higher rates.

4. Lapse in Coverage

Going uninsured—even for a short time—can make you seem financially irresponsible.

5. Young or Inexperienced Drivers

Teens and new drivers lack experience, making them statistically riskier to insure.

Does GEICO Insure High-Risk Drivers?

Yes, but with caveats. GEICO doesn’t have a dedicated high-risk auto insurance program like some competitors (e.g., The General or Dairyland). Instead, they evaluate each driver individually.

GEICO’s Underwriting Approach

• Not all high-risk drivers are rejected—but premiums may be steep.
• Severe violations (e.g., multiple DUIs) could lead to denial.
• State regulations matter. Some states require insurers to offer coverage regardless of risk.

How to Lower Your Premiums with GEICO

If GEICO quotes you a high rate, don’t panic. Try these tactics:

1. Take a Defensive Driving Course

Completing an approved course (like GEICO’s Defensive Driving Discount) can shave 5-10% off your premium.

2. Bundle Policies

Combine auto + renters/homeowners insurance for a multi-policy discount.

3. Increase Your Deductible

Opting for a higher deductible (e.g., $1,000 instead of $500) lowers monthly payments—just ensure you can afford it if you file a claim.

4. Drive Less

Low-mileage drivers (under 7,500 miles/year) may qualify for a low-mileage discount.

5. Improve Your Credit Score

Pay bills on time, reduce debt, and check for errors on your credit report.

6. Shop Around (and Re-Shop Later)

If GEICO’s quote is too high, compare rates elsewhere. Revisit GEICO after 6-12 months—your risk profile may improve.

Alternatives If GEICO Denies You

If GEICO won’t insure you—or the premium is unaffordable—consider:

State-Assigned Risk Pools

Some states offer assigned risk plans for drivers repeatedly denied coverage.

Non-Standard Insurers

Companies like The General, SafeAuto, or Dairyland specialize in high-risk drivers.

Usage-Based Insurance (UBI)

Programs like Progressive’s Snapshot or Allstate’s Drivewise base rates on actual driving habits, not just history.

The Bottom Line

High-risk drivers can get GEICO coverage, but affordability depends on your specific situation. By improving your record, leveraging discounts, and exploring alternatives, you can find a policy that fits your budget—without sacrificing necessary protection.

Remember: Insurance isn’t permanent. A clean driving record over time will open doors to better rates. Until then, stay proactive, drive safely, and keep shopping for the best deal.