Best Car Insurance Company for Bad Driving Records (2023)

Did you know you can save money with the best auto insurance companies for bad driving records? A bad driving record can drive up rates by 30%, but you can slow down expensive rates with discounts.

Don’t worry – we’ll show you which car insurance deals can help you get affordable car insurance for high-risk drivers.

After you learn about the best car insurance for bad driving records, enter your ZIP code in the free comparison tool above to compare multiple companies near you.

What are the best car insurance companies for bad driving records?

If you’re unsure about where you can find affordable car insurance for bad driving records, start with the best insurance companies.

We researched a few companies for you and found two excellent companies. Let’s review.

The best insurance companies for bad driving records are GEICO and Progressive. The most significant infractions are at-fault accidents and DUI convictions.

Comparing the Best Car Insurance Companies for Bad Driving Records 

USAA, State Farm, and American Family are other companies you should check out.

State Farm is the leading auto insurance provider in the United States, and the company has recently entered the high-risk driver market.

American Family has made its stake in providing cheap auto insurance for bad driving records. But USAA is probably the most affordable out of the three.

However, USAA car insurance is only available to the U.S. Armed Forces and their immediate families.

How does a bad driving record affect car insurance?

Your driving record correlates to the risks of filing claims. A poor driving record when compared to a clean driving record may lead to more auto accidents. Therefore, a bad driving record indicates that you could file more claims.

Moreover, you won’t be able to find auto insurance that doesn’t check driving records. Auto insurance companies respond to bad driving records with higher-than-average rates.

Some insurance companies keep rates low, but your results will vary for each state. Also, personal factors can impact your car insurance rates.

Continue reading to learn more about high-risk factors that affect car insurance rates for bad driving records.

Do other factors affect auto insurance for bad drivers?

The short answer is yes. Other factors also impact car insurance quotes for bad driving records.

Check out the list below to see which factors make you a high-risk driver and why they increase your auto insurance rates.

• Age (15 to 24 years old)
• At-fault claims
• Bad credit
• DUI Convictions
• Gaps in coverage
• License points
• Location
• Reckless driving infractions
• Speeding violations
• Vehicle type
• Miles Driven

Each factor in this list correlates to higher risks of filing claims. If you’re older than 24 and have good credit, you can save at least 25% on car insurance.

According to the National Highway Traffic Safety Administration (NHTSA), drunk driving, drug-impaired driving, and distracted driving are risky activities that cause thousands of fatal accidents per year.

Speeding tickets have the least impact on car insurance rates, but multiple traffic violations drive up your rates. You can help mitigate expensive auto insurance rates with discounts.

Can I get cheap car insurance with a bad driving record?

Yes, you can. Auto insurance discounts are a sure way to save money on monthly payments and lock in cheap car insurance for bad drivers.

Here are a few deals that are usually available at the best insurance companies.

• Automatic Payments Discount – At least 2%
• Anti-Theft Features Discount – Varies
• Multi-Vehicle Discount – Varies
• Multi-Policy Discount – Up to 25%
• Paperless Billing Discount – At least 2%
• Pay-In-Full Discount – Up to 5%
• Safety Features Discount – Up to 15%

When you get a quote, you’ll see dozens of opportunities to save money through discounts.

Is there auto insurance that doesn’t check driving records? It depends on whether you give the insurance company permission to look at your driving record.

If you decide not to allow a car insurance company to look at your driving record, your rates will go up.

What car insurance coverage do I need with a bad driving record?

Cheap auto insurance for bad drivers still includes the minimum requirements. You’re required to carry liability auto insurance as a standard or high-risk driver.

However, people who finance their vehicles are required to have full coverage car insurance. A person who has too many driving infractions may also need SR-22 insurance.

The SR-22 certification is designed for high-risk drivers who must prove to their respective states that they have the minimum auto insurance requirements.

Case Studies: Best Car Insurance Companies for Bad Driving Records

Case Study 1: John – Recent DUI Conviction

John recently received a DUI conviction, which significantly impacted his car insurance rates. In search of affordable coverage, John compared quotes from various insurance providers.

After thorough research, he found that GEICO and Progressive offered the best rates for drivers with bad records. Both companies recognized that John’s DUI was an isolated incident and offered competitive prices for his coverage needs.

Case Study 2: Sarah – Multiple At-Fault Accidents

Sarah had a history of at-fault accidents, making it challenging for her to find affordable car insurance. She decided to explore her options and discovered that USAA, State Farm, and American Family were known for their leniency toward drivers with bad records.

While State Farm recently entered the high-risk driver market, American Family had established itself as a provider of cheap auto insurance for individuals with bad driving records. However, Sarah found that USAA provided the most affordable rates out of the three, although it was exclusively available to the U.S. Armed Forces and their immediate families.

Case Study 3: Michael – Speeding Tickets and Traffic Violations

Michael had a history of speeding tickets and multiple traffic violations, which caused his car insurance rates to skyrocket. Frustrated with the high premiums, he decided to search for car insurance companies that offered discounts to drivers with bad driving records.

During his research, Michael discovered that Allstate had a program specifically designed for high-risk drivers like himself.

Allstate’s program focused on helping drivers improve their driving habits and offered a significant discount for completing a defensive driving course.

Intrigued by the opportunity to lower his rates, Michael enrolled in the course and successfully completed it. As a result, Allstate not only provided him with more affordable car insurance but also rewarded him for his commitment to becoming a safer driver.

Best Car Insurance Companies for Bad Driving Records: The Bottom Line

GEICO, Progressive, State Farm, American Family, and USAA are the best auto insurance companies for bad driving records.

To secure affordable car insurance, you’ll need to qualify for discounts and select coverage options that you need.

Before you buy car insurance for bad driving records, enter your ZIP code in our free online quote tool below to compare multiple companies in your area.