Best Auto Insurance Companies for Bad Drivers (2021)

The best auto insurance companies for bad driving records will vary by driver, but accidents and tickets can cost you an extra $150 a month. Not only will high-risk drivers pay more for auto insurance, but they may also struggle to find car insurance companies for a bad driving record that will offer them coverage. Drivers should improve driving skills and take advantage of auto insurance discounts to lower rates.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 30, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Drivers with bad driving records can pay around $150 more per month for auto insurance
  • Tickets, accidents, and DUIs can result in drivers being required to carry high-risk auto insurance
  • Drivers can take advantage of auto insurance discounts to lower high auto insurance rates

Auto insurance companies use many different factors to determine your rates, but the most significant is your driving record.

Drivers with a bad driving record will wind up paying much more expensive rates for high-risk auto insurance than drivers who maintain a clean record.

Finding the best auto insurance companies for bad driving records will require drivers to shop around. Each company will weigh your driving record differently resulting in different rates.

Compare rates and any discounts offered before you buy auto insurance with a bad driving record to find the best deal for you.

Enter your ZIP code now to compare free quotes from the best auto insurance companies for a bad driving record near you.

What are the best auto insurance companies for bad driving record?

Auto insurance companies are all about risk. If you have accidents, tickets, or DUIs on your driving record, you are much riskier to insure.

According to the Insurance Information Institute, there are over five million traffic accidents each year, and almost 39,000 traffic accident deaths occurred in 2020 alone.

High-risk drivers are those that have multiple infractions on their driving records or have very serious charges like reckless driving. Those high-risk drivers may be required to purchase special insurance to be able to drive.

Some companies are willing to extend auto insurance coverage to those high-risk drivers, and other companies won’t.

Companies that offer the best car insurance for bad driving records will vary by driver. Each company will charge different rates for different drivers.

This table will show just how much your driving record will affect your auto insurance rates.

Average Annual Auto Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One DUI
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
Get Your Rates Quote Now

Compare RatesStart Now →

GEICO and State Farm offer the lowest rates to drivers who don’t have a clean driving record. USAA has the lowest overall rates, but it only offers auto insurance to members of the military, veterans, and their families.

While your auto insurance rates will go up if you have an accident, ticket, or DUI on your record, they will absolutely skyrocket if you have multiple infractions.

What other factors affect auto insurance rates?

Your driving record isn’t all that insurance companies look at. In fact, there are multiple factors that affect auto insurance rates.

Your age, gender, marital status, and even credit rating can all be used to determine your auto insurance rates.

Even where you live can cause your rates to increase. If you live in an area with a lot of traffic or high crime rates, your auto insurance rates will go up.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How can drivers save money on auto insurance with a bad driving record?

You should do everything possible to clean up your driving history. Consider taking a defensive driving class to become a better driver and possibly remove some of the points on your record.

Regardless of driving history, there are ways to lower your auto insurance rates.

The easiest way to lower rates is to take advantage of car insurance discounts. Most companies offer discounts in several different categories so chances are that everyone can find multiple discounts that fit their situation.

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device / AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging / StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New Customer / New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingN/A$30$233
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Passive Restraint4020x40
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
Get Your Rates Quote Now

Compare RatesStart Now →

There are some companies willing to overlook your driving history. However, it can be hard to find auto insurance that doesn’t check driving records, and it will be expensive when you do find it.

Drivers can also lower coverage limits and raise deductibles to get lower rates. However, you need to be able to cover any out-of-pocket costs from an accident if you choose that route.

Another way to lower your car insurance rates is to raise your credit score. Although some states don’t allow your credit score to be used, most car insurance companies use a credit score to calculate rates.

Insurance companies believe that you are less likely to file a claim and more likely to pay for damages yourself if you have a high credit score.

Best Auto Insurance Companies For Bad Driving Records: The Bottom Line

Your driving record has a huge impact on your auto insurance rates. Most companies will charge you much higher car insurance rates if you have accidents, tickets, or DUIs on your driving record.

Shop around to find the most affordable car insurance for high-risk drivers. Compare rates and discounts to see which company can offer you the best coverage for the cheapest rates.

Enter your ZIP code to compare rates from the best auto insurance companies for bad driving records in your area for free today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption