Best Car Insurance Company for Bad Driving Records (2024)
What are the best car insurance companies for bad driving records? You can save 30% on discount auto insurance for bad drivers. Compare quotes to secure cheap car insurance for bad driving records.
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Diego Anderson
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Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
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UPDATED: Feb 14, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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 Type | Cheapest Company | Monthly Rates from the Cheapest Company | Average Monthly Rates | Savings |
---|---|---|---|---|
At-Fault Accident | Progressive | $202 | $294 | 31% |
Careless Driving | GEICO | $182 | $244 | 25% |
DUI Conviction | Progressive | $170 | $283 | 40% |
Racing | GEICO | $189 | $237 | 20% |
Reckless Driving | GEICO | $189 | $237 | 20% |
Running a Stop Sign | GEICO | $182 | $230 | 21% |
Speeding | GEICO | $182 | $229 | 20% |
The best insurance companies for bad driving records are GEICO and Progressive. The most significant infractions are at-fault accidents and DUI convictions.
Comparing the Best Car Insurance Companies for Bad Driving Records
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. A poor driving record when compared to a clean driving record may lead to more auto accidents. Therefore, a bad driving record indicates that you could file more claims.
Moreover, you won’t be able to find auto insurance that doesn’t check driving records. 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.
Do other factors affect auto insurance for bad drivers?
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.
Read more: Best Car Insurance for Drivers with Bad Credit
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 and lock in cheap car insurance for bad drivers.
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?
Cheap auto insurance for bad drivers still 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.
Case Studies: Best Car Insurance Companies for Bad Driving Records
Case Study 1: John – Recent DUI Conviction
John recently received a DUI conviction, which significantly impacted his car insurance rates. In search of affordable coverage, John compared quotes from various insurance providers.
After thorough research, he found that GEICO and Progressive offered the best rates for drivers with bad records. Both companies recognized that John’s DUI was an isolated incident and offered competitive prices for his coverage needs.
Case Study 2: Sarah – Multiple At-Fault Accidents
Sarah had a history of at-fault accidents, making it challenging for her to find affordable car insurance. She decided to explore her options and discovered that USAA, State Farm, and American Family were known for their leniency toward drivers with bad records.
While State Farm recently entered the high-risk driver market, American Family had established itself as a provider of cheap auto insurance for individuals with bad driving records. However, Sarah found that USAA provided the most affordable rates out of the three, although it was exclusively available to the U.S. Armed Forces and their immediate families.
Case Study 3: Michael – Speeding Tickets and Traffic Violations
Michael had a history of speeding tickets and multiple traffic violations, which caused his car insurance rates to skyrocket. Frustrated with the high premiums, he decided to search for car insurance companies that offered discounts to drivers with bad driving records.
During his research, Michael discovered that Allstate had a program specifically designed for high-risk drivers like himself.
Allstate’s program focused on helping drivers improve their driving habits and offered a significant discount for completing a defensive driving course.
Intrigued by the opportunity to lower his rates, Michael enrolled in the course and successfully completed it. As a result, Allstate not only provided him with more affordable car insurance but also rewarded him for his commitment to becoming a safer driver.
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.
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Frequently Asked Questions
What is a bad driving record when it comes to car insurance?
A bad driving record is typically defined as having multiple traffic violations, accidents, or other incidents that could indicate a higher risk of being involved in future accidents.
Why is having a bad driving record a problem for car insurance?
Insurance companies use a variety of factors to determine the likelihood of an individual being involved in a future accident. A bad driving record is one of the most significant factors that could increase the likelihood of accidents, which means that the insurance company would have to pay out more claims.
What are some of the consequences of having a bad driving record when it comes to car insurance?
Having a bad driving record could result in higher insurance premiums, increased deductibles, or even being denied coverage altogether.
What is the best car insurance company for drivers with bad driving records?
There is no one “best” car insurance company for drivers with bad driving records. However, some companies that tend to offer more lenient policies and rates for high-risk drivers include:
- GEICO
- Progressive
- State Farm
How can I find the best car insurance company for my bad driving record?
The best way to find the best car insurance company for your situation is to do your research. Compare rates and policies from multiple companies, and look for reviews and feedback from customers with similar driving records.
Are there any special programs or discounts available for drivers with bad driving records?
Yes, some insurance companies offer programs or discounts specifically for drivers with bad driving records. These programs may include defensive driving courses or telematics devices that track driving habits to determine discounts.
How can I improve my driving record and reduce my insurance rates?
The best way to improve your driving record is to practice safe driving habits. Avoid speeding, driving under the influence, and other risky behaviors. You may also consider taking a defensive driving course or investing in a telematics device to help monitor your driving habits and improve your overall record.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Diego Anderson
Licensed Real Estate Agent
Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
Licensed Real Estate Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.