Bad Driving Record Car Insurance

With a bad driving record, auto insurance rates will be much higher. One DUI will raise your rates around $150 a month. Multiple tickets or accidents can raise your car insurance rates dramatically. Driving history is a major factor in determining your car insurance rates, and if you have a bad driving record, cheap auto insurance will be hard to find. Auto insurance that doesn't check driving records doesn't exist, so be honest when you get quotes..

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 29, 2021

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The Highlights

  • Your driving record has the biggest impact on your car insurance rates.
  • Car insurance for drivers with points on their driving record will be much higher.
  • Most tickets and accidents will come off of your driving record in three to five years.

If you have a bad driving record, your auto insurance rates will be much higher than normal. How much higher will depend on a lot of factors, like the type of tickets you’ve received or if you have any DUIs. Drivers who have poor driving habits are considered high-risk. Usually, bad driving will result in more claims, leading companies to charge higher rates.

There are some ways to keep your insurance rates as low as possible. One way is to shop around and compare car insurance quotes. Each auto insurance company will charge different rates, so it’s helpful to get multiple quotes to find the best one for you. Enter your ZIP code now to start comparing quotes if you have a bad driving record.

Can you Get Auto Insurance with a Bad Driving Record

Usually, car insurance companies don’t penalize a driver too badly for a mistake every now and then. However, when accidents and/or driving infractions pile up, coverage rates will skyrocket.

Depending on your situation, it can be difficult to find the best auto insurance after a DUI, ticket, or accident. Not only is it hard to find coverage, but it will also cost you much more than if you have a clean driving record. Let’s take a look at just how much a ticket, accident, or DUI can affect your car insurance rates.

Average Annual Car Insurance Rates Based on Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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While a speeding ticket will only raise your rates about $45 a month, a DUI will raise your rates around $150 a month. If you have multiple infractions, your rates will be extremely high.

According to the above table, what is the best car insurance for bad drivers? American Family, Progressive, and State Farm have the cheapest rates that can be offered to anyone. USAA also has low rates for drivers with a bad driving record, but they only offer coverage to the military and their families.

The following video further explains how auto insurance companies value your driving record.

It’s fairly easy to improve your driving record as long as you pay attention, don’t drink and drive, and obey traffic laws. Doing so will ultimately bring your car insurance rates down.

Even if you have tickets or accidents on your record right now, they will generally come off in three to five years. That means your rates will go down as well, provided you don’t add any other infractions.

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How to Find Cheap Auto Insurance with a Bad Driving Record

With a bad driving record, cheap auto insurance can be hard to find. If your driving record is bad enough, your state can make you get special insurance for high-risk drivers.

What is high-risk auto insurance called? High-risk insurance is usually called non-standard insurance. Although some major companies will offer this coverage, many smaller companies, like Titan Car Insurance, will specialize in this type of insurance. Sometimes you can find cheaper rates with a company that mainly offers non-standard insurance.

It’s not uncommon for a state to suspend the license of a particularly bad driver.

If that happens, the driver can usually request a special license that only allows them to drive in certain circumstances, like for work. This is called a hardship license.

What insurance companies will insure a suspended license? You will not be able to get insurance until your license is reinstated in some form. Some companies will offer SR22 coverage. An SR22 is a form that your auto insurance company provides your state saying that you have auto insurance coverage. This type of coverage can be required if your license has been suspended or if you have DUIs.

Unfortunately, it’s not possible to find auto insurance that doesn’t check driving records. All insurance companies will check your record, but they won’t all charge you the same rates. Affordable auto insurance with a bad driving record isn’t easy to find, but it’s possible.

It’s important to note that the cost of auto insurance will vary from state to state and company to company. For example, high-risk auto insurance in Florida for a bad driving record will have different costs and requirements than in California.

Even though a poor driving record makes car insurance more expensive, you have to be honest with your auto insurance company. According to the Insurance Information Institute, lying on your insurance application can be considered fraud. You can buy auto insurance with a bad driving record from most companies, but some may deny you coverage. With a bad driving record, auto insurance companies need to consider the risk.

If you have a bad driving record and need car insurance, we can help. Since every company is different, compare auto insurance quotes regularly to get the best deals. Enter your ZIP code now to shopping for auto insurance quotes with a bad driving record.

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