Best Guaranteed Approval Car Insurance in 2025 [Compare the Top 10 Companies]

AAA, Safeco, and Erie are the best guaranteed approval car insurance providers. They offer affordable coverage options that are often reliable.

Overall, AAA tops the car insurance comparison list. It offers one of the best rates, starting at $70/month, and plenty of coverage options. Safeco was primarily impressed with its flexible policy features.

Our Top 10 Company Picks: Best Guaranteed Approval Car Insurance

Erie excels in customer service. Read the article to compare rates and features and find the perfect fit for your budget and coverage needs. Enter your ZIP code to see if you’re getting the best deal on car insurance.

#1 – AAA: Top Overall Pick

Pros

• U.S. Coverage: AAA guaranteed approval Insurance is a trusted name with coverage across the U.S. Check out our AAA car insurance review to learn more.
• Various Discounts: AAA offers several discounts, like one for bundling your car insurance with other policies.
• Solid Customer Service: Received praise for customer support and facilitated claims process for guaranteed approval customers.

Cons

• Higher Rates: AAA’s guaranteed approval policies may be charged higher than similar products from other companies.
• State Restrictions: Only some states can attain AAA’s guaranteed approval coverage.

#2 – Safeco: Best for Liable Coverage

Pros

• Advantages Adjustable Coverage: Safeco ensured that all guaranteed approval insurance policies allowed drivers to adjust cover for themselves.
• Reasonably-Priced Add-ons: Safeco has reasonably priced add-ons, such as roadside assistance, to complement guaranteed approval coverage.
• Stability and Reliability: Safeco is also one of the country’s largest insurance groups, offering strength and reliability.

Cons

• More Expensive for High-Risk Drivers: Safeco guaranteed approval tends to cost more for high-risk drivers. Explore our Safeco RightTrack app review for more details.
• Online Resources: Fewer online tools are offered than the competition, which makes managing a policy more inconvenient.

#3 – Erie: Best for Competitive Rate

Pros

• Reasonable Prices: Erie’s guaranteed approval car insurance is cheaper than most markets, especially in certain areas.
• Top-Rated Customer Satisfaction: Erie remains the best in customer service and claims satisfaction.
• Guaranteed Approval Coverage: Erie provides flexible guaranteed approval coverage. Read our Erie car insurance review to learn more.

Cons

• Restricted Access: Erie is limited in availability — if you want guaranteed approval insurance, this option may be out of reach.
• Not as Many Discounts: Erie has more limited ways for policyholders to save than larger companies.

#4 – Liberty Mutual: Best for Custom Discount Options

Pros

• Discount Options: Liberty Mutual offers several discounts for its guaranteed approval car insurance policy, including safe driving and bundling.
• Strong Financial Standing: Liberty Mutual’s guaranteed approval is financially strong because it derives power from a large company.
• Available 24/7: To have convenient access to claims services from the assured with a guaranteed approval policy available 24/7.

Cons

• Price Variability: Liberty Mutual’s quotes vary widely depending on the locale and driving history. Read our Liberty Mutual car insurance review for more information.
• Higher-Than-Average Premiums: Policies of guaranteed approval might be more expensive than those offered by other companies offering similar coverage options.

#5 – Geico: Best for Cheap Policies

Pros

• Competitive Rates: Geico’s guaranteed approval car insurance offers some of the lowest prices in the market.
• Strong Online Presence: Geico’s digital tools enable ease of online management of guaranteed approval policies.
• Wide Coverage Availability: Geico’s guaranteed approval insurance is available to cover most states. Refer to our Geico car insurance review for additional details.

Cons

• Fewer Add-On Options: Geico’s guaranteed approval policies have fewer add-ons than other companies.
• Customer Service: Geico’s customer service usually scores lower than that of other flagship insurers.

#6 – Travelers: Best for All-Inclusive Add-Ons

Pros

• Affordable Range and Broad Coverage: Travelers’ guaranteed approval car insurance provides several add-ons to ensure full-proof protection.
• Competitive Pricing: Travelers offer low-priced premiums for guaranteed approval coverage, even cheaper when bundled.
• Financial Strength: Travelers is quite a stable financial firm with a good payout history.

Cons

• Regional Availability: Travelers’ guaranteed approval insurance is unavailable in all states. Visit our Travelers car insurance review to get the full scoop.
• Slow Claims Processing: Some customers experience slow processing in the claims process for guaranteed approval policies.

#7 – Allstate: Best for Customer Service

Pros

• Reliable Customer Service: Allstate guaranteed approval insurance is noted to have excellent customer service and account for attention.
• Accept Flexible Payment Arrangements: Allstate accepts flexible payment arrangements for guaranteed car insurance approval.
• Robust Claims Process: Allstate is enrolled in a claims process, making it easier for customers with guaranteed approval.

Cons

• Higher Rates: Allstate’s guaranteed approval offers higher premiums than competitors. To understand more, read our Allstate car insurance review.
• Lower Discount: Guaranteed approval offers lower discounts than other automobile insurance companies competing.

#8 – USAA: Best for Military Families

Pros

• Military-Orientated Benefits: USAA guaranteed approval insurance provides specially designed benefits for the military and its families.
• Affordably Priced Premiums: USAA offers lower prices on guaranteed approval policies, especially for military members.
• Excellent Customer Satisfaction: USAA has consistently scored the highest in customer service and claims satisfaction scores.

Cons

• Membership Eligibility Requirement: USAA guaranteed approval car insurance is provided exclusively to military families and veterans.
• Fewer Discounts: USAA provides fewer discounts for its guaranteed approval than other companies. Consult our USAA car insurance review to learn more.

#9 – Farmers: Best for Wide Choice of Policies

Pros

• Ability to Customize: Farmers’ policyholders can customize guaranteed approval auto insurance to fit their needs.
• Fast and Reliable Process: Agriculture is famous for its effortless, quick, and reliable claim filing process under guaranteed approval policies.
• Multiple Discounts: Farmers offer many discounts, including safe driving and bundling. They also guarantee approval for home insurance.

Cons

• Expensive Premiums: Farmers’ guaranteed approval policies are generally more costly than any other provider’s.
• Availability Region: Farmers do not guarantee auto insurance approval in all states. For more insights, read our Farmers car insurance review.

#10 – State Farm: Best for Mass Coverage

Pros

• Wide Network: State Farm Guaranteed Acceptance is available in almost all states and is almost everywhere.
• Competitive Rates: It also offers competitive rates for guaranteed approval car insurance. Discover our State Farm car insurance review for further insights.
• User-Friendly App: State Farm’s mobile app allows you to access and manage all your guaranteed approval policies or make claims.

Cons

• Lesser Add-Ons: State Farm has fewer add-on options under Guaranteed Acceptance coverage.
• Higher Premiums Compared to Average: guaranteed approval  State Farm offers more expensive rates than the average, especially for high-risk drivers.

The Cost of Guaranteed Car Insurance

Finding cheap, guaranteed car insurance can be challenging. The cost varies depending on the lender or company. Let’s explore how these fees impact overall car insurance rates.

Guaranteed Approval Car Insurance Monthly Rates by Provider & Coverage Level

The increase exemplifies how the one-time fee could affect your monthly car insurance. The better your driving record, the cheaper your policy will be.

Car Insurance Discounts From the Top Providers for Guaranteed Approval

When you buy guaranteed car insurance, you will be afforded different choices than you would if you could purchase auto insurance the traditional way. According to the Insurance Information Institute, you can buy your state’s minimums and a basic comprehensive and collision policy, but in most cases, that’s it.

Features Included With Guaranteed Car Insurance

If you want guaranteed car insurance, you must look to your state. They are the only ones who can offer you car insurance regardless of your driving record. This insurance, called assigned risk car insurance, is usually provided by auto insurance.

Driving Record Monthly Rates with Guaranteed Car Insurance

Companies with agreements with your local government to provide a certain amount of coverage to drivers. Take Georgia, for example. According to the Georgia state government, they have a self-funded program to cover state employees while driving on state business. This will help to resolve claims fairly and swiftly while protecting state agencies and employees.

Reasons for the High Cost of Guaranteed Car Insurance

Affordable car insurance for high-risk drivers is complicated to come by. The expense of guaranteed car insurance is because no matter how high your risk is, you can purchase car insurance and aren’t the only high-risk driver using this option.

Here are some ways to find guaranteed car insurance:

• Visit your state’s Department of Insurance website.
• Check out your local DMV website.
• Do a general online search for guaranteed car insurance, but expect to see a myriad of results. It will be easier to visit your local websites instead.

The insurance company can only prevent significant losses when writing these policies by charging more money.

Ways to Avoid Purchasing Guaranteed Car Insurance

If your insurance company turns you down, you may feel that your only option is to turn to your state’s guaranteed car insurance program. The truth, however, is that in most cases, you will probably be able to find a company that will insure you, even if you have a terrible driving record.

If you have attempted to purchase auto insurance through regular channels and have been turned down repeatedly, understanding your car insurance policy can help you explore high-risk insurance companies. These companies will usually accept any driver.

Guaranteed Car Insurance and State Minimums

The amount of coverage you can purchase will be limited. In some states, you can only buy the minimums. Your comprehensive and collision coverage will be lower than the value of your vehicle. In this case, having something is better than having nothing, even if it isn’t enough coverage.

The cost of guaranteed car insurance is much higher than other insurance options. Not only do you get reduced coverage, but you also pay significantly more for it. However, exploring ways to lower the cost of your insurance could help offset some of these expenses.

Comparison of High-Risk Car Insurance Costs to Guaranteed Car Insurance

Of course, you will have to pay much higher rates for high-risk insurance than traditional insurance. It is as much as guaranteed insurance. The difference, however, is that there aren’t limits to the amount of coverage you can purchase. You have all of the same options you will with any other insurance company.

High-risk companies will even offer auto insurance after a DUI, but even these insurance companies have their limits. Once you get to the point where a high-risk company won’t insure you, then you will have to apply for guaranteed car insurance. A clean driving record is the best way to avoid purchasing guaranteed insurance.

If you are reading this article, it is too late. It takes about three years for your driving record to get clean; however, you should see a reduction in rates every year you keep your record clean. It would help if you used a quote tool once a year to see how your rates change over time. Once your quotes become more reasonable, you should approach a regular insurance company again.

Getting auto insurance quotes is the easiest way to learn how much you will pay for your auto insurance. You can get quotes for both high-risk companies and standard insurance companies. Enter your ZIP code to get instant car insurance quotes for guaranteed car insurance and other types of coverage.