Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 30, 2021

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Key Takeaways

  • Some of the best car insurance companies for a bad driving record include GEICO, Progressive, Allstate, The General, and Direct Auto
  • Drivers with a bad driving record are likely to pay more in car insurance rates, especially if they have serious violations such as accidents or DUIs
  • You could save on car insurance with a bad driving record by taking advantage of discounts, comparing quotes from multiple companies, and only filing claims when necessary

Car insurance companies view drivers with a bad driving record as risky, which means they often charge higher rates compared to drivers who have clean driving records and are less likely to file claims.

This means that drivers with bad driving records will have to search more to find a company that will offer them affordable rates. Below, we’ve listed some of the best car insurance companies for a bad driving record.

If you need to buy bad driving record car insurance, enter your ZIP code into our free quote comparison tool above to get bad driving record car insurance quotes.

What are the best car insurance companies for a bad driving record?

Having a bad driving record can increase your car insurance rates. In most cases, you should still be able to get coverage from one of the major car insurance companies, but some drivers may need to find high-risk car insurance companies.

Below are some of the best car insurance companies for a bad driving record.


GEICO has some of the lowest percentage increases in rates after traffic violations, so drivers with bad driving records may be able to get affordable bad driving record car insurance by taking advantage of the low rates.


For serious infractions, such as at-fault accidents or DUIs, Progressive has some of the lower percentage increases in rates. You may also be able to save by bundling your car insurance with other types of coverage.


After GEICO and Progressive, Allstate may be your best bet for lower-than-average rates for drivers with bad driving records. Allstate also offers a variety of discounts you can use to save on your monthly rate.

The General

If you have a significantly bad driving record, The General is one company that specializes in high-risk car insurance. If you are considered too risky by other major car insurance companies, The General may be able to offer you a policy.

Direct Auto

Direct Auto is another car insurance company that specializes in high-risk car insurance. If you are required to get an SR-22 form for your state, Direct Auto would be able to file this form for you.

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How much does car insurance for a bad driving record cost?

Car insurance companies will charge more for drivers with a bad driving record. Typically, the more severe the violation, the larger the increase in rates. Let’s take a look at some sample rates from major car insurance companies.

Average Annual Auto Insurance Rates by Driving Record
CompaniesClean Driving RecordOne Speeding CitationOne AccidentOne DUI
Liberty Mutual$3,184.72$3,442.90$3,811.97$4,044.73
State Farm$3,987.31$4,382.83$4,778.37$4,382.83
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If you have been in an accident or have a history of violations, your rates are likely to be higher because the insurance company will expect you to be riskier than drivers with good driving records. The company may expect you to cost more in claims for repairs from collisions or other incidents.

Finding car insurance that doesn’t check your driving record will likely be impossible. Therefore, if you have a bad driving record, you will either have to pay the higher rates or find a company that specializes in high-risk insurance.

Do drivers with a bad driving record need high-risk car insurance?

Not every driver with a bad driving record will need high-risk insurance. Many drivers have gotten a speeding ticket or caused an accident. However, if you have repeated violations or have more serious infractions, such as DUIs, or if you have lost your license, you may be considered especially high risk.

High-risk drivers may also include those with bad credit, those who own an expensive or exotic vehicle, those who’ve had lapses in coverage, and those who’ve just gotten their license.

What is high-risk insurance called? It may be known as high-risk insurance, nonstandard insurance, or SR-22 insurance. SR-22 insurance is specifically for drivers who must provide an SR-22 form to the state.

If you need high-risk car insurance, you can start by searching for “high-risk car insurance near me” online.

How can I save money on car insurance with a bad driving record?

You may have to shop around to find the best bad driving record car insurance rates. Getting quotes from multiple companies will tell you where you can get the cheapest rates. You may also want to recheck your rates three years and five years after your violations.

One of the easiest ways to save money on your car insurance is to understand how to qualify for discounts. Even with a bad driving record, you may still qualify for discounts based on your vehicle’s safety features or your billing settings.

You may also be able to benefit from a defensive driving course or other driver’s education classes that could decrease your rates. You should also make sure that your car insurance doesn’t lapse, since gaps in coverage could indicate risk.

If you happen to get into another accident or something else happens to your car that requires repairs or replacement, you should consider paying for it out of pocket instead of filing a claim, especially if you have a high deductible.

Enter your ZIP code into our free quote comparison tool below to find a bad driving record car insurance company near you.