As much as we all want a perfect driving record, mistakes happen. 

Along the way, you’ve perhaps received a few speeding tickets or gotten in an at-fault accident. Or you might have more serious traffic violations on your record, like a DUI/DWI or hit-and-run. But no matter the status of your driving record, you still need car insurance.

If you have a bad driving record, you’re considered a “high-risk” driver and will need to seek out high-risk car insurance. Some insurance providers specialize in this specific form of insurance, giving high-risk drivers a way to get covered. Alternatively, you can maybe even find insurance companies that won’t check your driving record, which comes in handy for drivers with checkered histories on the roads.

Yes, high-risk car insurance often comes with a higher price tag. After all, these insurers believe you have a higher risk of filing claims, which means you’re more expensive to insure. 

But doing your research and comparing car insurance quotes with Insurify can help you find the right car insurance policy at the right price, no matter your driving record.

Best Car Insurance Companies for Bad Driving Records

If you’re a driver with a mixed driving record, you’ll want to find a car insurance company that specializes in high-risk car insurance. We’ll walk you through a few insurance companies that offer competitive insurance rates and a wide array of useful coverages.

One major player in the insurance game that offers high-risk insurance is GEICO. You’ve undoubtedly seen their commercials—but what you might not know is that this nationwide provider’s GEICO Casualty subsidiary is designed to give high-risk drivers insurance rates that are transparent and fair. 

State Farm, another major national insurance provider, gets high marks for incentivizing safe driving through their Drive Safe and Save discount program. For instance, if you go six months without an at-fault accident, you can save on your rates, decreasing your overall premium costs. So not only do you get better rates, but you also start to get your driving record back on track.

Smaller companies like Dairyland and Kemper have also received positive feedback for their high-risk insurance options. Despite their size, they still boast high financial strength ratings, so you can be confident you’re working with a stable company. Smaller companies are even less likely to check your driving record before insuring you.

Consider steering clear of companies that are more telematics-driven, which means they collect driving data while you’re on the roads. Allstate’s Drivewise program is one example of a popular telematics program. This technology is often used to promote safer driving, but often, only low-mileage or super-safe drivers really reap the rewards. While there are benefits to telematics, you might find it’s not the best option for you as you try to regain confidence on the roads. 

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Cheapest Auto Insurance Quotes for Bad Driving Records

You have plenty of affordable options, even if you have a less-than-perfect driving history. A diverse range of companies offer high-risk car insurance with low monthly insurance premiums. Check out the insurance providers with the cheapest average monthly premiums for a Texas driver below, drawn from Insurify’s proprietary database of millions of driver quotes.

Insurance CompanyAverage Monthly Rate
Direct Auto$224/month

If you want to learn more about companies offering cheap car insurance, use Insurify to study these providers’ profiles. Then you can compare insurance quotes in your area side by side, without having to constantly switch between websites and reach out to insurance agents. That’s how Insurify helps drivers across the country find the car insurance they need while reducing insurance costs.

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Most Expensive Auto Insurance Quotes for Bad Driving Records

As we’ve discussed, some companies will offer high car insurance rates for drivers with bad driving records. These companies assume you’ll be filing claims soon, so they offset these future costs by providing high monthly insurance premiums. 

See below for companies that could put a dent in your wallet, each offering some of the most expensive high-risk insurance coverage based on Insurify’s proprietary data. 

Insurance CompanyAverage Monthly Rate
The General$466/month

Best Auto Insurance Discounts for Bad Driving Records

Once you figure out what your monthly insurance premiums will be with a given car insurance provider, it’s time to take advantage of any discounts available to you. For instance, plenty of companies offer discounts when you take a defensive driving course. After all, an insurance company can be confident you’ll avoid reckless driving (and file fewer claims!) if you’ve taken a course.

There are also discounts addressing other elements of “high-risk” driving. For instance, you can knock some dollars off your monthly premium if you work to increase your credit score and earn a Good Credit discount. Or you might be able to save if you’ve set up auto-payments, which signals to an insurance company that you’re more likely to pay your bills on time. 

Check out the table below to learn more about the discounts available to drivers with mixed driving histories:

Check out the table below to learn more about the discounts available to drivers with mixed driving histories:

  • Complete a defensive driving course. When you take a defensive driving course, you learn the habits that come with safe driving. But beyond those obvious benefits, many auto insurance companies provide discounts to drivers who take part in defensive driving courses—which means you can lower your insurance premiums while also decreasing your chances of filing future claims.
  • Buy a car that’s safe and reliable. When you’re buying a car, you’ll want to look for a vehicle equipped with useful safety features like full-front airbags and restraint devices. These can help you qualify for safe driving discounts. Similarly, a driver who buys a reliable family sedan will typically pay lower premiums compared to someone driving a “high-risk vehicle,” like a luxury sports car.
  • Take advantage of carpooling or public transit. In the eyes of an insurance company, the less you drive, the better. Providers figure that if you spend less time on the road, there’s less chance of you getting into an accident and needing to file a claim. To drive less, you might want to consider carpooling with a friend or using public transportation. You might even earn a Low Mileage Discount.
  • Find a company that specializes in high-risk insurance. You want a company that works with high-risk drivers consistently. A company that’s well-versed in the needs of high-risk drivers can connect you with useful discounts and give you the resources you need to improve your driving record and lower your costs. 
  • Consider increasing your deductible. If you pay a higher deductible, you might be able to pay lower your monthly premiums. How you trade-off between your deductible costs and premium costs ultimately comes down to your unique financial situation.
  • If you’re a teen, stay on your family’s policy: Because they’re new on the roads, teens are considered high-risk drivers. So if you buy a policy as a teen driver, you’ll end up paying more. But if you join your family’s policy, you won’t be classified as high-risk, and you’ll likely unlock a multi-vehicle discount.
  • Don’t let your coverage lapse. Driving uninsured is illegal—so letting your car insurance coverage expire could reflect poorly on you as a driver and lead to higher premiums in your future.

Bad Driving Record Car Insurance FAQs

Which car insurance companies won’t check my driving record?

There’s a chance that a smaller local car insurance provider might not check your driving record. But in general, if you’re shopping for car insurance, a provider wants to know your driving history in order to generate a personalized rate for you. That’s why in almost all cases, a car insurance company will want to know your driving record and credit history. 

How can I improve a bad driving record?

If your driving history isn’t so great, don’t fret: you aren’t doomed to a lifetime of high car insurance rates. It varies by state, but in most cases driving infractions stay on your record for five years. In those five years, you can take important steps like enrolling in a defensive driving course and buying a safer car in order to improve your standing in the eyes of providers. 

Where can I compare car insurance quotes online?

If you’re looking for the lowest prices on car insurance, it’s important to compare quotes. Luckily, that’s what Insurify is all about. With Insurify, all the information you need is in one place so that you can seamlessly analyze free quotes side by side.

Conclusion: The best way to save on car insurance

Shopping for an auto insurance policy as a high-risk driver can be frustrating. But as you can see, there are plenty of options when it comes to insurance providers. And with most of these companies, you don’t have to worry about breaking the bank.

When it comes to finding the right policy for you, knowledge is power.

That’s why Insurify helps drivers of all types compare quotes from a vast array of companies. That way, you can find an insurance provider that isn’t just affordable but also caters to the unique needs of high-risk drivers.

Browse, Compare, Discover with Insurify today!

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Updated July 26, 2021

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.