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Cheapest Car Insurance with a Bad Driving Record (2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen | Reviewed by VP of Insurance Sales at Insurify, Shawn Powers

Updated September 15, 2022

If you’ve had a DUI conviction or had your driver’s license suspended, you’re probably paying higher rates for auto insurance than someone with a clean driving record. But don’t let anyone tell you that your bad driving record puts cheap car insurance out of reach.

All it takes is one car insurance policy that works for you. You’ll find your best rate with Insurify’s highly rated quote-comparison tool that lets you compare auto insurance quotes from top companies in just a few minutes. And get this: it’s free.

Quick Facts

  • Metromile is the cheapest insurer we found for drivers with bad records, with average premiums of $105 per month.

  • Drivers with bad records see the lowest average car insurance rates in Hawaii, Vermont, and North Carolina.

  • DUIs, speeding tickets, and other infractions will typically not affect your driving record after five years, so you won’t have a bad driving record forever following a single violation.

Cheapest Car Insurance Companies for Bad Driving Records

How much does insurance for a driver with a bad driving record cost?

Drivers with infractions on their driving record will pay high car insurance premiums. However, some insurance companies specialize in insuring high-risk drivers, and with certain auto insurance companies, policies can cost as little as $105 per month.

From our database, the lowest car insurance cost for a bad driving record came in at $105 per month, from Metromile. Overall, these companies are proof that driving violations don’t have to keep you out of an affordable car insurance policy.

Insurance CompanyCheapest Monthly Quote for Bad Driving Records
Metromile$105
Farmers$130
Amigo USA$133
Kemper$147
Travelers$165
National General$188
Bristol West$263
Liberty Mutual$266
Dairyland$275
The General$330
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Best Car Insurance Discounts for Bad Driving Records

When you’re dealing with the increased cost of high-risk car insurance, you’ll want to do everything you can to bring your premiums back down. If you have poor credit, you’ll want to raise it. Put effort into a driver training course, and drive a car with strong safety features.

DiscountsHow to Get ItCompanies That Offer It
Good Credit DiscountAll insurance companies take your credit score into account when setting rates, except for in a handful of states, where it’s illegal to do so.All insurance companies in states that can legally use credit scores.
Passive Restraint DiscountFind a car that has passive restraint safety features that meet insurance industry requirements.State Farm, Nationwide, Farmers, Amigo USA, Clearcover, GEICO
Multiple Vehicle DiscountIf you combine policies with a spouse or other family member, you can save by insuring multiple vehicles on the same policy.State Farm, Nationwide, Farmers, Amigo USA, Clearcover, GEICO, Infinity, Farmers, TSC Direct, Everest National, Arrowhead, Metromile
Anti-Theft DiscountQualifying security equipment on your vehicle can earn you discounts.Everest National, GEICO, State Farm, Farmers, Amigo USA, Clearcover, Infinity, Farmers, Metromile
Driving Training DiscountDefensive driving courses can help drivers with infractions to get their license back, and in select cases, can lower your insurance premium.State Farm, TSC Direct, GEICO, Metromile, Allstate, Clearcover
Good Student DiscountStudents who earn a GPA of 3.0 or higher tend to qualify for good student discounts.TSC Direct, State Farm, Nationwide, Progressive, GEICO, Liberty Mutual
Low Mileage DiscountInsurance companies handle low mileage differently, so check with your insurance agent.State Farm, Nationwide, Progressive, Liberty Mutual, Mercury, Aspen, The General, Clearcover, Metromile
Organization/Professional Org DiscountSome professional affiliations qualify you for discounts with some insurance companies.GEICO, Farmers

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Cheapest States for Car Insurance with a Bad Driving Record

High-risk auto insurance is cheaper in some states than in others. Here are the most affordable states to carry a high-risk auto insurance policy:

StateMonthly Quote for Drivers with a Bad Record
Hawaii$135
Vermont$145
North Carolina$147
Idaho$150
Maine$153
New Hampshire$158
Ohio$165
Massachusetts$165
Indiana$166
Montana$169
North Dakota$170
South Dakota$172
Wyoming$173
Iowa$175
Illinois$177
Wisconsin$177
New Mexico$181
Tennessee$187
Minnesota$191
Utah$193
Pennsylvania$193
Alaska$198
Nebraska$202
Oregon$204
Alabama$215
Kansas$215
Virginia$215
Oklahoma$220
Arkansas$235
West Virginia$238
Mississippi$238
Arizona$238
California$242
Washington$244
Colorado$257
Washington, D.C.$261
Missouri$277
Texas$281
Kentucky$295
Connecticut$297
New Jersey$306
Florida$311
Delaware$320
South Carolina$321
Maryland$325
Nevada$339
New York$340
Rhode Island$351
Georgia$357
Louisiana$392
Michigan$423
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Cheap Car Insurance

Tips for Cheaper Car Insurance for Drivers with a Bad Record

Take a Defensive Driving Course

Especially if you’ve been caught driving under the influence (DWI/DUI), you can affirm your commitment to good driving habits by taking a defensive driving course. Auto insurance companies love to see that you’re making an effort to avoid future driving violations.

Boost Your Credit Score

Good credit always helps convince car insurance companies to give you a low rate. Since bad credit is almost as bad for your car insurance rates as a bad driving record, paying close attention to your credit history is a great way to get your premium down in the meantime.

Use Your Coverage Options

If you can roll with a higher deductible, your premium will go down. And if you drive a cheaper vehicle with good safety features, you might want to forgo collision coverage and other full-coverage car insurance options you don’t need. Strategize with your insurance agent about paring down your insurance coverage to keep your premiums low.

See More: Best and Worst Sites to Compare Car Insurance

The Best Way to Compare and Get Cheaper Car Insurance

Cheap auto insurance is possible for everyone—no matter how often you’re told it’s out of reach. Finding great auto insurance coverage is just a matter of finding the auto insurance quotes that are right for you. And with Insurify, you can find the best car insurance company for you by comparing auto insurance. It’s free, it’s fast, and it saves you money.

Frequently Asked Questions

  • Plenty of infractions can earn you a bad driving record and dump you into the category of high-risk drivers. They seem minor, but moving violations like speeding tickets are enough to get you high-risk status. A DUI is a serious violation that insurance companies will judge harshly, along with reckless driving, at-fault car accidents, and hit-and-runs.

  • Speeding tickets, traffic violations, DUIs, reckless driving, car accidents, and other infractions on your driving record mean that car insurance companies consider you at a higher risk of getting in a car accident in the future. And since that would result in you making an insurance claim, the company won’t insure you unless they’re getting high insurance premiums to offset the risk.

  • In general, once five years have passed since the event, a given violation will not affect your driving record—and more importantly, your insurance costs. So there’s an end in sight, and in the meantime, you can take a defensive driving course and boost your credit score to keep your premiums reasonable.

  • Bad drivers don’t have to have bad policies, and they don’t have to pay crazy-high premiums either. You can overcome an at-fault accident or DUI on your driving record—you just have to find the companies that are offering affordable rates to drivers like you. Enter Insurify. In just a few minutes, you can access car insurance quotes tailored to your needs and driving history.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Charlie Mitchell
Charlie Mitchell
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Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

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