Best Guaranteed Approval Car Insurance in 2024

Top Pick for Approval: AAA

2,934 reviews

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4.1

Company Facts

Full Coverage for Guaranteed Approval

$170/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Roadside assistance plans
• Membership benefits
• Flexible Coverage Options

• Annual membership fee
• Availability varies by region

» AAA Car Insurance Review

2,934 reviews

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Best Brand for Approval: Safeco

1,171 reviews

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3.9

Company Facts

Full Coverage for Guaranteed Approval

$180/mo

A.M. Best Rating

A

Complaint Level

High

Pros & Cons

• Safeco car insurance quotes are cheaper than the national average rates.
• Safeco has a good array of auto insurance coverages for those who want a more complete policy.
• Safeco has discount programs like accident forgiveness, disappearing or zero-deductible car insurance, and rewards for safe driving.

• Safeco’s ratings are below the industry average on J.D. Power’s claim satisfaction study.
• Safeco’s number of customer complaints is higher than the average.
• Safeco doesn’t offer online quotes, so you will have to contact a Safeco agent to get a quote.

» Safeco Car Insurance Review

1,171 reviews

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Best Rate for Approval: Erie

1,814 reviews

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4.3

Company Facts

Full Coverage for Guaranteed Approval

$165/mo

A.M. Best Rating

A+

Complaint Level

High

Pros & Cons

• Excellent claims service
• Affordable rates for good drivers
• Special coverage perks and add-on options
• A lock-in option for coverage rates

• Lack of availability in most states
• A higher-than-average number of customer complaints

» Erie Car Insurance Review

1,814 reviews

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Our Top 10 Company Picks: Best Guaranteed Approval Car Insurance

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	20%	A	Membership Benefits	AAA
	#2	15%	A	Trusted Brand	Safeco
	#3	25%	A+	Competitive Rates	Erie
	#4	25%	A	Comprehensive Discounts	Liberty Mutual
	#5	25%	A++	Wide Availability	Geico
	#6	13%	A++	Flexible Options	Travelers
	#7	25%	A+	Solid Reputation	Allstate
	#8	10%	A++	Military Focus	USAA
	#9	20%	A	Diverse Policies	Farmers
	#10	17%	B	Customizable Coverage	State Farm

Guaranteed Approval Car Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$85	$170
	$92	$190
	$80	$165
	$89	$180
	$75	$160
	$95	$185
	$90	$180
	$78	$165
	$88	$175
	$70	$155

Car Insurance Discounts From the Top Providers for Guaranteed Approval

Insurance Company	Available Discounts
	Multi-policy, Good Driver, New Vehicle, Safe Driver
	Multi-policy, Safe Driving Bonus, Anti-theft, New Car
	Multi-policy, Safe Driver, Paid-in-Full, Anti-theft
	Multi-policy, Good Student, Safe Driver, Defensive Driving
	Multi-policy, Good Student, Military, Safe Driver
	Multi-policy, Vehicle Safety, Online Purchase, Low Mileage
	Multi-policy, Accident Forgiveness, Safe Driver
	Multi-policy, Safe Driver, Accident-Free, Defensive Driving
	Multi-policy, Homeownership, Hybrid/Electric Vehicle
	Multi-policy, Safe Driver, Good Student, Military

If you want to drive, you have to carry the right type of car insurance coverage. Fortunately, there is guaranteed car insurance, or guaranteed auto protection policy, option for you, even if you have a terrible driving record or you have multiple convictions on your record.

This guarantee doesn’t come from your car insurance company, however, and there are some major catches as well.

Enter your ZIP code now to get free online quote comparisons for cheap car insurance and guaranteed auto insurance!

What comes with guaranteed car insurance?

If you are looking for guaranteed car insurance, then you need to look to your state. They are the only ones who can offer you car insurance regardless of your driving record. Before we continue let’s watch a video on one of the benefits of guaranteed auto protection.

This insurance called assigned risk car insurance, is usually provided by auto insurance (read our “Compare Assigned Risk Car Insurance: Rates, Discounts, & Requirements“ for more information)..  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 designed to cover state employees while driving on state business. This will help resolve claims fairly and swiftly while protecting state agencies and state employees.

Read more : Compare State Employee Car Insurance Rates

When you buy guaranteed car insurance, you will not be afforded the same choices as you would if you were able to purchase auto insurance the traditional way.

According to the Insurance Information Institute, you will be able to purchase your state’s minimums as well as a basic comprehensive and collision policy, but in most cases, that’s it.

How much is guaranteed car insurance?

You’ll have to dig deep to find guaranteed cheap car insurance. Guaranteed car insurance can $20 per month to a one-time fee of $700. It all depends on the lender or company. Let’s look at how guaranteed car insurance fees affect car insurance rates.

Driving Record Annual Rates with Guaranteed Car Insurance

The increase of $700 is just an example of how the one-time fee could affect your car insurance for the year. The better your driving record, the cheaper your car insurance policy will be.

Why is guaranteed car insurance so expensive?

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

The only way the insurance company can prevent major loss when writing these policies is by charging more money.

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.

Start comparing car insurance right now by entering your ZIP code in the FREE comparison tool below!

How can I avoid buying guaranteed car insurance?

If you are turned down by your insurance company, you may feel that the only option you have 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 the regular channels and you have been turned down time and time again, then you should look to high-risk insurance companies. High-risk companies will usually accept any driver.

Guaranteed Car Insurance and State Minimums

In fact, there will be caps on how much coverage you can purchase. In some states, you will only be able to purchase the minimums.

Even your comprehensive and collision coverage will be lower than the value of your vehicle. This is a case where having something, even if it isn’t enough coverage, is better than having nothing at all.

The cost of guaranteed car insurance is much higher than other insurance options. Not only do you get a reduced amount of coverage, but you pay far more for it as well.

Is high-risk car insurance as high as guaranteed car insurance?

Of course, you will have to pay much higher rates for your high-risk insurance than you would for traditional insurance. In fact, it may even be as much as guaranteed insurance.

The difference, however, is that there aren’t limits to the amount of coverage you are allowed to 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. One you get to the point where a high-risk company won’t insure you, then you will have to apply for guaranteed car insurance.

The best way to avoid having to purchase guaranteed insurance is to have a clean driving record.

If you are reading this article, though, then it is probably 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.

You should use a quote tool once a year to see how your rates are affected by the passage of time. Once you see your quotes come to a more reasonable level, then you should approach a regular insurance company again.

Getting auto insurance quotes is the easiest way for you to learn how much you will pay for your auto insurance. You can get quotes for both high-risk companies and standard insurance companies.

You can get your car insurance quotes for guaranteed car insurance and other types of coverage right now just by entering your ZIP code!