Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 21, 2021

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The Lowdown

  • 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.

Average Annual Auto Insurance Rates Based on Driving Record
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01

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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:

  • Age
  • 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 from Top Companies
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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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.