The best car insurance for drivers with a bad record is from USAA, Geico, and Travelers. These companies have good ratings from WalletHub editors and provide affordable premiums for people with infractions in their driving history.
A bad driving record is one with a history of at-fault accidents, traffic violations, driver’s license points, or convictions for things like DUI/DWI. Having infractions on your record can increase insurance premiums by an average of 24% to 108%, depending on the circumstances. The exact amount your premium will increase depends on your state, insurance company, and the infraction.
Best Car Insurance for People With a Bad Driving Record
Rates are an approximation based on a 45-year-old male driver in California. Actual rates will vary based on location, age, and other factors. USAA is only available to military members and their families.
Ways to Get Lower Insurance Rates With a Bad Driving Record
Reduce your insurance coverage, if possible.
Compare quotes from multiple insurance companies.
Contact your insurer about any discounts you may qualify for.
Take a defensive driving course approved by your insurance company.
Buy a new car or trade your current car in for a model that is safer and cheaper to insure.
High-risk insurance is auto insurance coverage for drivers with poor driving records, little driving history, or vehicles considered more likely to get into accidents by insurance providers. High-risk insurance is often called “non-standard insurance,” and it means different things to different auto insurance providers. The term “high-risk” can refer to drivers who pose a higher-than-average risk of getting into an accident or filing a claim, as well as drivers who are considered so risky that they are not eligible for traditional auto insurance.… read full answer
In serious cases, high-risk drivers may be required to file an SR-22 or FR-44 form with their state government to qualify for car insurance. High-risk drivers who have a hard time getting approved for coverage may also need to turn to special government-sponsored insurance pools, such as the New York Automobile Insurance Plan (NYAIP), the Florida Automobile Joint Underwriting Association, and the California Automobile Assigned Risk Plan.
Reasons You May Need High-Risk Insurance
You have been convicted of a DUI/DWI.
You are required to file an SR-22 form with the state because of another serious driving violation.
You are a teenager/young adult (under 25 years old) or senior (65+ years old).
Multiple traffic violations have been added to your driving history in the past 3-5 years.
You allowed your auto insurance to lapse.
You don’t have an insurance track record.
You are getting your driver’s license for the first time after the age of 25.
You have poor/no credit.
You drive a car that’s considered more likely to get into an accident.
High-risk insurance also takes the timeline of incidents on your driving record into account. Any tickets or accidents that have occurred more recently will weigh more heavily than incidents from several years ago.
How to Reduce the Likelihood of Needing High-Risk Insurance
There are several steps you can take to try to avoid having to carry high-risk insurance. For example, you can take a safe/defensive driving course certified by your state’s DMV, improve your credit score, drive a car model with a better safety record, or upgrade the safety features on your vehicle.
Having to get high-risk auto insurance is not a fate you’re necessarily stuck with, at least not forever. Also, keep in mind that while the term “high-risk insurance” is most commonly used in the auto insurance industry, there are also high-risk marine, business, property and life insurance policies.
SR-22 insurance costs an average of $62 to $122 per month, depending on the insurer and the offense that led to the SR-22 requirement. The DMV in your state will also charge a one-time fee to file the necessary paperwork.
It costs $25 to $50 to file an SR-22 form with the DMV, depending on the state. In addition to proving you have enough coverage to drive legally, the SR-22 flags you as a … read full answerhigh-risk driver, which explains why your insurer will charge you more than the average policyholder for coverage.
Premiums vary based on infraction, company, state, and individual driver. How much coverage you buy also makes a difference in cost. For instance, if you only buy the minimum amount of insurance required by your state, you can fulfill your SR-22 requirement for a lower price than if you purchased a full coverage policy. And since you only need to have an SR-22 for 1-5 years, depending on the state, your premium will eventually go back down.
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