Car Insurance for Bad Drivers

Get low rates even with a bad driving record.

What's cheap car insurance for bad drivers?


Car insurance has a habit of being a pesky double-edged sword: the more you use it, the more you pay for it. Regardless of why you file a claim, frequent payouts or lots of driving violations all equate to being a risky (or, in this case, "bad") driver and customer to your insurance company. And as we all know, if an insurance company sees you as a risky customer, they will cushion their exposure by charging you a higher premium. Still, just because you have a bad driving record or history of filing claims doesn't mean you have to drive uninsured. Let's explore your options.





What makes a bad driver "bad"?


Tickets & driving violations

Speeding, reckless driving, or racing can seriously impact your premium. While the amount varies based on how much you were speeding, getting ticketed can increase your premium an average of $297 annually. This figure skyrockets if you’re caught driving recklessly (a $997 increase) as well as racing — which can increase your premium by over a thousand bucks. Plus, you should consider that your insurance company will continue to increase your rates for driving and ticket violations for three years.


DUIs

From an insurance perspective, DUIs are the big ones. On average, a DUI can raise your rate by 80% annually. However, in states like North Carolina and Hawaii, your premium can increase as high as 350% and 200%, respectively.


Lots of claims

Regardless of whether or not you were at fault, filing a claim with an insurance company can cause your premium to spike for two reasons. The first, and most obvious reason, is that your insurance company lost revenue by paying out the claim — no matter how small. The second reason is that insurance companies see the likelihood of you filing another claim to increase after your first. Again, insurance companies will cushion this predicted risk by increasing your premium.


National Average Annual Auto Insurance Premiums by Driving Violations

Accident/ViolationAvg Annual PremiumIncrease in Premium
None$1,323$0
Speeding 6 - 10 MPH Over Limit$1,593$270
Speeding in School Zone$1,601$279
Speeding 11 - 15 MPH Over Limit$1,604$282
Speeding 16 - 20 MPH Over Limit$1,628$305
Speeding 21 - 25 MPH Over Limit$1,653$331
In 65 MPH Zone$1,710$388
At-Fault Accident$1,935$613
Reckless Driving$2,320$998
Racing$2,368$1,045
DUI$2,380$1,057




Ways to prevent a bad driving record


Drive safe

Yes, obviously: the key to having a good driving record is to be a safe driver. But we had to include it. Abide by the speed limit, practice defensive driving, use rideshare services like Uber and Lyft if you’ve been drinking, and put your phone down. It’s not worth paying more for car insurance or potentially getting into an accident.


Be smart about filing claims

Sometimes, it makes financial sense not to file a claim or involve your insurance company. For example, if you rear-end someone and the estimate for the repair is $600, consider if it is worth filing a claim or just paying for the repairs yourself. Just like with tickets, you will be rated on this collision for three years (typically). In the US, an at-fault accident can raise your insurance premium an average of $612 per year. Over three years, that’s over $1,836 in increases alone. If paying that $600 in damages is feasible for you, it makes financial sense to bite the bullet and pay it upfront rather than be hit with an increased insurance premium.





You already have a bad record, now what?


Government insurance programs

For some insurance companies, the risk of a guaranteed claim payout on their end is too high to insure. Still, state governments recognize that the legal requirement of car insurance puts these high-risk drivers on the verge of driving without insurance. So, each state goes through their DMV and groups these high-risk drivers together in a pool and assigns a certain number of these individuals to insurance companies — otherwise known as Assigned Risk Insurance. Insurance companies are required to insure these drivers, although they will usually charge quite highly for them and have different conditions for them as well. In order to be considered in this “pool,” you have to apply and prove you have no other option for car insurance — i.e., you keep getting denied coverage.


Chose a non-standard insurance company

The difference between an assigned risk pool program and a non-standard company is basically the involvement in your government. Non-standard companies are not assigned any clients but they still specialize in high-risk drivers.


Wait for the violations to fall off your driving record

Again, this is pretty obvious but it is still worth noting. In most states and for most violations, you will be rated (charged) for three years. So, by maintaining insurance either with a standard or non-standard company for three years, you can expect your insurance rate to drop if you don’t have any further traffic violations or claims.


Shop around

Even if you’re not being rated for a claim or ticket, shopping around for car insurance every policy cycle is a great way to ensure you’re getting the best rate. Use our insurance calculator here.





Bad driving record? We've got you covered.


Car insurance and any form of insurance are one of the rare things you invest a lot of money in, with the hopes of never having to use it. Still, if you find yourself in the wrong with your insurance company, rest assured you will not spend the rest of your life paying an arm and a leg for car insurance. But before you end up having to wait the typical three years for a violation to fall off your driving record, consider if you can afford to pay any damages from a claim out-of-pocket yourself. If you’re unable to do that, shopping around for car insurance every six months with standard and non-standard companies alike is a proven way to ensure you’re getting the best possible rate. That’s where we come in



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Recent Questions:

Cheap Car Insurance for Bad Drivers

Why does a $0 claim stay on my insurance record?

Sep 16, 2018
Allentown, PA

I make a claim and then cancel it, but the insurance company still post it on my record even though ...

If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?

Oct 03, 2017
State College, PA

Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ...

What can I do about fixing incorrect information on my driving record?

Sep 24, 2017
Swedesboro, NJ

I called to get an insurance quote to see if I could get a lower rate and was told there ...

How can I get insurance with a not so good driving record?

Sep 18, 2017
Powder Springs, GA

I had my license suspended in 2015 for having 15 points. I took the defense driving course and had 8 ...

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