Best Car Insurance For Bad Driving Record

Searching for the best car insurance can be challenging, especially if you are a high-risk driver with a bad driving record!

Having you car insured is a necessity, legally and financially too. You use your car to go to work, to drive you to places, even carry groceries home with ease. In all of this, if your car broke down because of a road accident, you could really have trouble managing routine errands.

When you’re applying for insurance, the company checks your driving record, age, the car and some other things to make sure you’re given the right insurance policy. But sometimes, high-risk drivers don’t have a lot of luck in this area.

What makes a Driver High-risk?

In simple words, a high-risk driver is the one who has a bigger chance of getting into road accidents because of their reckless driving. If you’re a high risk driver and are looking for auto insurance, chances are you’ll have a hard time looking for one.

A high risk diver is someone who is likely to make more claims down the road- meaning someone who will cost the insurance company money! A poor credit, history of road accidents or violations, a record of Driving Under Influence (DUI) will all lessen your chances of being insured. Because let’s be clear: high risk driver means higher premiums!

How much is High Risk Car Insurance?

The cost of high risk insurance depends on several factors: your driving record, the state you’re living in, number of violations you have, your credit rating etc. Here is a table that tells you how your record influences the cost of car insurance:

State Average Rate DUI Rate DUI % Increase 2 Speeding Tickets Bad Credit Bad Credit %
Alaska $1,188 $1,771 49% $1,405 $1,705 43%
Alabama $1,217 $2,029 67% $1,533 $2,184 79%
Arkansas $1,277 $2,087 63% $1,535 $1,823 43%
Arizona $1,009 $2,532 151% $1,245 $1,761 75%
California $1,461 $3,765 158% $2,878 $1,461 0%
Colorado $1,095 $1,660 52% $1,457 $1,784 63%
Connecticut $1,597 $2,592 62% $2,026 $2,351 47%
DC $1,628 $2,406 48% $1,965 $2,711 66%
Delaware $1,538 $3,113 102% $2,051 $2,532 65%
Florida $1,463 $2,739 87% $2,107 $2,616 79%
Georgia $1,210 $1,972 63% $1,516 $2,053 70%
Hawaii $1,104 $3,112 182% $1,531 $1,104 0%
Iowa $939 $1,345 43% $1,247 $1,294 38%
Idaho $822 $1,279 56% $1,338 $1,361 65%
Illinois $990 $1,570 59% $1,230 $1,652 67%
Indiana $950 $1,651 74% $1,213 $1,546 63%
Kansas $1,141 $1,816 59% $1,559 $1,783 56%
Kentucky $1,177 $2,176 85% $1,514 $2,228 89%
Louisiana $1,645 $2,488 51% $1,902 $2,719 65%
Massachusetts $1,469 $2,629 79% $2,213 $1,469 0%
Maryland $1,260 $1,411 12% $1,606 $2,022 61%
Maine $758 $1,386 83% $1,011 $1,233 63%
Michigan $2,297 $6,337 176% $5,306 $5,078 121%
Minnesota $1,270 $2,584 104% $1,829 $2,151 69%
Missouri $1,039 $1,550 49% $1,580 $3,593 246%
Mississippi $1,218 $1,913 57% $1,499 $1,667 37%
Montana $1,321 $2,249 70% $1,724 $2,079 57%
North Carolina $836 $3,206 284% $1,491 $1,025 23%
North Dakota $1,365 $2,143 57% $2,063 $1,864 37%
Nebraska $1,035 $1,759 70% $1,346 $1,666 61%
New Hampshire $865 $1,776 105% $1,282 $1,637 89%
New Jersey $1,348 $2,499 85% $1,949 $2,001 48%
New Mexico $1,125 $1,787 59% $1,353 $1,718 53%
Nevada $1,113 $1,696 52% $1,387 $2,182 96%
New York $1,336 $2,144 60% $1,613 $2,414 81%
Ohio $763 $1,165 53% $985 $1,293 69%
Oklahoma $1,405 $2,461 75% $2,542 $3,236 130%
Oregon $1,110 $1,737 56% $1,393 $1,925 73%
Pennsylvania $1,252 $1,968 57% $1,676 $2,042 63%
Rhode Island $2,117 $3,502 65% $2,710 $2,847 34%
South Carolina $1,055 $1,566 48% $1,234 $1,759 67%
South Dakota $1,080 $1,520 41% $1,396 $1,715 59%
Tennessee $1,256 $2,193 75% $1,573 $1,895 51%
Texas $1,416 $2,267 60% $1,923 $2,247 59%
Utah $935 $1,472 57% $1,184 $1,633 75%
Virginia $849 $1,415 67% $1,203 $1,452 71%
Vermont $900 $1,392 55% $1,107 $1,517 69%
Washington $1,075 $1,740 62% $1,395 $1,702 58%
Wisconsin $863 $1,417 64% $1,164 $1,342 55%
West Virginia $1,534 $2,523 64% $1,841 $2,344 53%
Wyoming $1,237 $1,945 57% $1,498 $1,878 52%
National $1,215 $2,146 76% $1,673 $1,986 64%

Note: Sample rates have been extracted online, courtesy of CarInsurance.

Cheap Insurance Companies for High-risk Drivers

If you’re considered a high-risk driver, don’t lose heart. There are still companies that assist people with a bad driving record.

Insurance company Drivers with a clean record Drivers with a recent DUI Drivers with a poor credit
Geico $642 $1,470 $3,950
Progressive $1,073 $1,320 $5,378
Safe Auto $1,406 $1,791 $5,695

Note: Insurance rates have been extracted online, courtesy of NerdWallet.

Conclusion

There are many people who have a poor driving record if they’ve gotten into an accident or violated traffic rules or were caught driving under influence. For such people, qualifying for a traditional auto insurance policy seems fairly tough.

However, there are companies and states that entertain high-risk drivers, but the rates are relatively higher and affected by their driving record and violations. Make sure you steer clear of such violations so your insurance cost isn’t too much.

Sandra Johnson

Sandra Johnson

Sandra Johnson was a few years out of school and took a job as a life insurance agent in California, selling coverage door-to-door for Prudential. The experience taught her about the technical components of insurance and its benefits for individuals and society, as well as the misunderstandings people often have about insurance. She has over ten years’ experience in the insurance industry, having worked as both a Broker and Underwriter, assisting clients across a broad range of industries. At Insurance Noon, Sarah diligently gathers all the required information and curates up pieces to provide meaningful insurance solutions. Her personal value proposition is to demonstrate a genuine interest in always adding value for clients.Her determined approach to guiding clients has turned her into a platinum adviser to multiple insurers.

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