Best Affordable Auto Insurance Provider for Drivers With a Bad Driving Record in 2021
The best auto insurance companies for a bad driving record will be different for each driver, but you can expect your rates to increase up to $150 a month for poor driving. If your driving record is bad enough, you can be considered a high-risk driver. The best car auto insurance companies for a bad driving record will offer discounts to help drivers lower rates.
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UPDATED: Sep 21, 2021
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- A bad driving record can cost you an extra $150 a month in auto insurance
- USAA, GEICO, and State Farm offer the lowest rates for drivers with a bad record
- If you have multiple accidents, tickets, or DUIs, you can be considered a high-risk driver
Your driving record is one of the most important factors that auto insurance companies use to determine your rates. Drivers with a bad driving record will pay much higher rates than drivers with a clean record.
However, the best auto insurance companies for a bad driving record will be different for each driver. Each company will weigh your driving record differently.
Shop around and compare rates to find the cheapest coverage for you if your driving record leaves a lot to be desired.
Enter your ZIP code now to compare free quotes from the best auto insurance companies for a bad driving record.
What are the best auto insurance companies for a bad driving record?
Although each company will charge different rates, car insurance for a bad driving record will be expensive.
This table shows you the average annual rates from the best auto insurance companies for a bad driving record. You might be surprised to learn just how much your bad driving affects your rates.
|Company||Average Annual Rates with Clean Record||Average Annual Rates with 1 Accident||Average Annual Rates with 1 DUI||Average Annual Rates with 1 Speeding Violation|
USAA, GEICO, and State Farm offer the cheapest auto insurance for drivers with a clean driving record and for drivers with dings on their records.
If you have a really bad driving record, you can be required to buy car insurance for high-risk drivers.
Finding affordable car insurance for high-risk drivers is nearly impossible. Auto insurance companies know that chances are high that risky drivers will continue to make mistakes and cost them money.
In fact, according to the Insurance Information Institute, some auto insurance companies will deny you coverage if you pose too much of a risk.
It can be difficult to find a list of high-risk auto insurance companies. Most traditional car insurance companies will continue to offer insurance to drivers even if they are high-risk.
Although some insurance companies specialize in coverage for high-risk drivers, rates are generally much higher than you may be able to find from another company.
What factors make you a high-risk driver?
There are many reasons you could be listed as a high-risk driver. If you have been charged with reckless driving, DUIs, or racing, you could be seen as a risk. Multiple accidents and speeding tickets can also earn you that label.
Surprisingly, your driving isn’t the only thing that can get you labeled as a high-risk driver.
Other reasons you could be a high-risk driver are:
- Lapse in auto insurance
- Credit score
- Type of vehicle you drive
Although you can’t change your age, you can make sure you don’t allow your coverage to lapse, improve your credit score, and purchase a car that isn’t that expensive in order to lose that high-risk label.
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How can drivers with a bad driving record save money on auto insurance?
If you have a bad driving record, there are still some ways you can save money on your auto insurance.
First, take a defensive driving class. These courses will teach you valuable safe driving skills as well as lower your auto insurance with a discount.
Next, take advantage of all other auto insurance discounts available to you. Most insurers will allow you to bundle multiple discounts for the most savings.
This table shows you common auto insurance discounts from top companies. The amount of the discount is listed if it is known.
|Auto Insurance Discounts||Allstate (%)||American Family (%)||Farmers (%)||GEICO (%)||Liberty Mutual (%)||Nationwide (%)||Progressive (%)||State Farm (%)||Travelers (%)||USAA (%)|
|Adaptive Cruise Control||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Daytime Running Lights||x||x||x||1||5||5||x||N/A||x||x|
|Electronic Stability Control||x||x||x||N/A||5||x||x||N/A||N/A||N/A|
|Forward Collision Warning||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Lane Departure Warning||N/A||N/A||N/A||N/A||x||x||x||N/A||N/A||N/A|
|New Customer/New Plan||N/A||N/A||N/A||N/A||x||N/A||N/A||N/A||N/A||N/A|
|Seat Belt Use||N/A||N/A||N/A||15||N/A||N/A||N/A||N/A||N/A||N/A|
|Students & Alumni||N/A||x||N/A||x||10||7||N/A||N/A||N/A||N/A|
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Drivers can also consider enrolling in a telematics program. These programs track your driving and score you on how well you do.
The immediate feedback can help improve your driving, and many auto insurance companies offer you a discount if you score well.
The Best Auto Insurance Companies for a Bad Driving Record: The Bottom Line
The best car insurance company, if you have a bad driving record, will depend on your personal information. Every insurance company will weigh your driving record differently and charge different rates.
Drivers with a bad driving record should take a defensive driving course and take advantage of discounts available to get the lowest rates possible.
Comparing quotes from the top auto insurance companies will help you find the coverage you want with the lowest rates.
To get free quotes from the best auto insurance companies for a bad driving record, enter your ZIP code now.