Best Auto Insurance Companies That Don’t Check Driving Records (2021)

There are no auto insurance companies that don't check driving records because your driving is the major factor in determining your rates. In fact, bad driving can raise your rates by around $150 a month. Even if you can’t find car insurance companies that don't check driving records, you can lower your rates by obeying traffic laws and avoiding tickets.

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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...

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 22, 2021

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Things to Remember

  • All auto insurance companies check your driving record
  • Drivers with accidents, tickets, and DUIs will pay much higher auto insurance rates
  • If your driving record is bad enough, you may be required to buy high-risk car insurance

If you have accidents or tickets, you definitely need to know if there are any auto insurance companies that don’t check driving records.

However, all auto insurance companies use your driving record to calculate how much of a risk you will be to insure. Bad driving record auto insurance is much more expensive than coverage for drivers with a clean record.

Even if you have a bad driving record, shop around to find the best coverage at the lowest rates for you.

Before you learn about auto insurance companies that don’t check driving records, enter your ZIP code to compare free quotes from companies in your area.

Which auto insurance companies don’t check driving records?

Do all insurance companies check your driving record? Yes, your driving record is one of the most significant factors that affect your auto insurance.

Each auto insurance company will weigh your driving record differently so rates will be very different from company to company.

Although you can’t get quotes from auto insurance companies that don’t check driving records, finding auto insurance companies that do check driving records and don’t charge high rates can be difficult.

This table shows you what the top car insurance companies charge if your driving record is less than perfect.

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
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A bad driving record can cost you up to $150 a month extra. If you have multiple violations, that number can go up.

If your driving record is bad enough, you can be forced to purchase high-risk auto insurance. This insurance is incredibly expensive and can be hard to find.

You can also be labeled a high-risk driver for reasons other than a bad driving record. A gap in coverage, bad credit, and your age can also cause you to pay higher rates.

It can also be difficult to get commercial insurance with a bad driving record. If your job depends on your ability to drive, you may have to pay very high rates for auto insurance with a bad record.

How do insurance companies check your driving record?

If you are just getting an auto insurance quote, the company may depend on you to be honest about your driving history. However, once you decide on your insurer, it will pull your driving record.

Auto insurance companies can either pay the DMV for a copy of your driving report or use a private company like LexisNexis to provide a copy.

Can insurance companies see your driving restrictions? Yes, your auto insurance company can see your restrictions as well as any tickets, accidents, moving violations, and suspensions.

Your driving record will be checked when you buy a new policy and each time that policy renews.

The length of time your auto insurer will look at will vary by company. Some companies only look at three years while others will go back seven.

You should request a copy of your driving record every so often to make sure it’s accurate. Also, make sure your auto insurance company is no longer penalizing you for accidents or tickets that have come off of your record.

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

There are still ways you can save on your car insurance if you have a bad driving record.

First, take advantage of any discounts you may be eligible for. While some discounts focus on your driving, like a safe driver discount, other discounts have nothing to do with your record.

Multi-car, multi-policy, and early signing discounts are just a few to consider.

You can also get discounts for the safety features that come on your car. According to, these include anti-lock brakes, adaptive cruise control, and other features. Avoid accidents and lower your rates with these features.

Second, consider taking a defensive driving course. In many states, a driving course may lower your points as well as offer you an insurance discount.

Third, carefully consider filing a claim. If you are able, pay out of pocket for damages so that you can keep your auto insurance rates as low as possible.

Auto Insurance Companies that Don’t Check Driving Records: The Bottom Line

While you can’t compare rates from auto insurance companies that don’t check driving records, you can find cheap rates from auto insurance companies that do look at your driving.

To help keep rates low, add as many discounts as possible, take a defensive driving class, and pay for damages yourself if possible.

Shop around before you buy auto insurance if you have a bad driving record. Compare rates to see which company can offer you the best deal.

Now that you’ve learned about car insurance companies that don’t check driving records, enter your ZIP code to compare quotes from companies near you for free.

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

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