Best Car Insurance Company for Drivers With a Bad Driving Record (Deals & Tips)

GEICO, Progressive, USAA, State Farm, and American Family are the best car insurance companies for bad driving records. On average, you can save 30% with the best auto insurance companies for bad driving records. But first, you must qualify for discounts. Shop around and compare multiple companies to secure affordable car insurance for bad driving records.

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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: Sep 7, 2021

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The Highlights

  • Bad driving records correlate to higher risks for filing claims
  • Your car insurance rates may increase by 30% with a bad driving record
  • Multiple traffic violations may require you to get an SR-22 certification

Did you know you can save money with the best auto insurance companies for bad driving records? A bad driving record can drive up rates by 30%, but you can slow down expensive rates with discounts.

Don’t worry – we’ll show you which car insurance deals can help you get affordable car insurance for high-risk drivers.

After you learn about the best car insurance for bad driving records, enter your ZIP code in the free comparison tool above to compare multiple companies near you.

What are the best car insurance companies for bad driving records?

If you’re unsure about where you can find affordable car insurance for bad driving records, start with the best insurance companies.

We researched a few companies for you and found two excellent companies. Let’s review.

Cheapest Car Insurance Companies by Traffic Violation
Infraction TypeCheapest CompanyMonthly Rates from the Cheapest CompanyAverage Monthly RatesSavings
At-Fault AccidentProgressive$202$29431%
Careless DrivingGEICO$182$24425%
DUI ConvictionProgressive$170$28340%
Reckless DrivingGEICO$189$23720%
Running a Stop SignGEICO$182$23021%
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The best insurance companies for bad driving records are GEICO and Progressive. The most significant infractions are at-fault accidents and DUI convictions.

What are the best car insurance companies for high-risk drivers?

USAA, State Farm, and American Family are other companies you should check out.

State Farm is the leading auto insurance provider in the United States, and the company has recently entered the high-risk driver market.

American Family has made its stake in providing cheap auto insurance for bad driving records. But USAA is probably the most affordable out of the three.

However, USAA car insurance is only available to the U.S. Armed Forces and their immediate families.

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How does a bad driving record affect car insurance?

Your driving record correlates to the risks of filing claims. Therefore, a bad driving record indicates that you could file more claims.

Auto insurance companies respond to bad driving records with higher-than-average rates.

Some insurance companies keep rates low, but your results will vary for each state. Also, personal factors can impact your car insurance rates.

Continue reading to learn more about high-risk factors that affect car insurance rates for bad driving records.

Are there other factors to high-risk car insurance?

The short answer is yes. Other factors also impact car insurance quotes for bad driving records.

Check out the list below to see which factors make you a high-risk driver and why they increase your auto insurance rates.

  • Age (15 to 24 years old)
  • At-fault claims
  • Bad credit
  • DUI Convictions
  • Gaps in coverage
  • License points
  • Location
  • Reckless driving infractions
  • Speeding violations
  • Vehicle type
  • Miles Driven

Each factor in this list correlates to higher risks of filing claims. If you’re older than 24 and have good credit, you can save at least 25% on car insurance.

According to the National Highway Traffic Safety Administration (NHTSA), drunk driving, drug-impaired driving, and distracted driving are risky activities that cause thousands of fatal accidents per year.

Speeding tickets have the least impact on car insurance rates, but multiple traffic violations drive up your rates. You can help mitigate expensive auto insurance rates with discounts.

Can I get cheap car insurance with a bad driving record?

Yes, you can. Auto insurance discounts are a sure way to save money on monthly payments.

Here are a few deals that are usually available at the best insurance companies.

  • Automatic Payments Discount – At least 2%
  • Anti-Theft Features Discount – Varies
  • Multi-Vehicle Discount – Varies
  • Multi-Policy Discount – Up to 25%
  • Paperless Billing Discount – At least 2%
  • Pay-In-Full Discount – Up to 5%
  • Safety Features Discount – Up to 15%

When you get a quote, you’ll see dozens of opportunities to save money through discounts.

Is there auto insurance that doesn’t check driving records? It depends on whether you give the insurance company permission to look at your driving record.

If you decide not to allow a car insurance company to look at your driving record, your rates will go up.

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What car insurance coverage do I need with a bad driving record?

Car insurance for bad driving records includes the minimum requirements. You’re required to carry liability auto insurance as a standard or high-risk driver.

However, people who finance their vehicles are required to have full coverage car insurance. A person who has too many driving infractions may also need SR-22 insurance.

The SR-22 certification is designed for high-risk drivers who must prove to their respective states that they have the minimum auto insurance requirements.

Best Car Insurance Companies for Bad Driving Records: The Bottom Line

GEICO, Progressive, State Farm, American Family, and USAA are the best auto insurance companies for bad driving records.

To secure affordable car insurance, you’ll need to qualify for discounts and select coverage options that you need.

Before you buy car insurance for bad driving records, enter your ZIP code in our free online quote tool below to compare multiple companies in your area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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