Best Car Insurance For 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.