Rachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Finding car insurance for people with a bad driving record doesn’t have to cost a fortune. Nobody’s perfect, and neither are most people’s driving records. Learn how tickets and accidents affect your insurance premiums.

Bad Record Insurance Coverage for Drivers with Accidents or Tickets

Drivers with fantastic driving records (and blemish-free credit scores, depending on where you live) tend to get the best rates on auto insurance. But many drivers aren’t as lucky, and often face higher insurance rates because of this. However, there are some understanding insurance companies out there, to the point that some even specialize in creating affordable policies for riskier drivers.

If you recently received a premium hike due to your credit score, a collision, or a ticket, you may need to start shopping around for a better policy. A few minor blemishes on your driving record won’t get you an elevated premium with all insurance companies. Find bad record car insurance today.

Insurance for Bad Drivers – How to Know if you’re Considered “High Risk”

Several elements are used to determine a “high risk” driver. For example:

Your Driving Record

Obviously, if you’re found at fault in a collision, your rates will go up. But why does this happen with speeding tickets or minor accidents which you didn’t cause? Some data suggests that every speeding ticket you receive will substantially raise your risk of a future accident.

Also, being involved in one or more collisions, fault aside, may imply a trend towards reckless driving. If you’ve been hit in the past and/or have a habit of collecting tickets, car insurance providers may deem you a riskier driver. And this can make finding affordable insurance for bad drivers challenging.

Auto Insurance by Driving Record Legend: Minor Speeding Ticket Reckless Driving/DUI Conviction At-Fault Accident Several Citations on Your Record A Clean Driving Record California Florida Illinois New York Texas 25 50 75 100 125 150 175 200 225 250 275 300 325 350 375 $91 $164 $101 $170 $64 $159 $225 $199 $320 $126 $42 $49 $52 $75 $34 $107 $153 $93 $381 $93 $128 $187 $193 $239 $105

Personal Profile

Also a fairly standard procedure. Your insurance provider will generally see women as less risky than men, adults safer than teens, and city folk as riskier than rural dwellers (due to the fact that they drive in heavy traffic more often, increasing their chance of an accident). Many of these factors cannot directly be controlled without taking drastic measures, such as moving to a new zip code, or without simply waiting for circumstances, such as your age, to change.

Continuous Coverage

If you have any gaps in your insurance coverage history, your provider will assume one of two things: either you’ve been driving uninsured, or you’ve had your coverage revoked from a former provider. Even if you have a perfectly reasonable explanation for your gap in coverage, such as moving from a city with working public transportation to a more suburban area where a vehicle is necessary, it still may be expensive or impossible for you to get an affordable insurance policy from a reliable company.

Your Credit History

Although your credit score and your driving record seem unrelated, credit actually is a part of life which can tell a lot about you to your prospective auto insurance provider. Studies have determined that motorists with low credit scores file more claims. Because of this data, auto insurance providers are warier of drivers with lower credit scores.

Car Insurance by Credit Score Legend: Perfect Credit Poor Credit No Credit California* Florida Illinois New York Texas 25 50 75 100 125 150 175 200 225 250 $64 $64 $64 $128 $227 $182 $30 $56 $82 $86 $152 $256 $85 $177 $160

Find Cheap Car Insurance for Bad Driving Records – Shop around to Find Prospective Savings

The most efficient way to eliminate those annoying spikes in your premium requires you to search and compare many different auto insurance providers. Believe it or not, there are auto insurance companies willing and able to swallow an increased risk by providing coverage for a ‘high-risk’ motorist. Find cheap car insurance for bad driving records in your area today.

These providers operate in a non-standard market, meaning that they cater to customers who have multiple points on their record, customers who are young drivers, and customers with poor credit. You might just save up to $400 a month! On top of that, you could get these deals from either big insurance companies or a local provider.

It’ll only take a moment to input your zip code and start searching for car insurance for people with bad driving record.

*Credit scores are not used to calculate your monthly premium in the state of California