Best Cheap Car Insurance For Those With a Bad Driving Record

Best Cheap Car Insurance For Those With a Bad Driving Record

Geico and Progressive have the cheapest rates if you have a driving history with tickets, accidents or claims.

Currently insured?
It's free, simple and secure.

While your rates will likely be more expensive, you can still get car insurance from good companies even if you have a bad driving record or multiple incidents. Drivers with a speeding ticket pay an average annual premium of $2,748, while drivers with a DUI pay an average of $3,390.

Geico is the cheapest company for drivers with speeding tickets, with an average rate of $2,186 per year. That's over $500 cheaper than average.

To help you find the cheapest coverage after a DUI, ticket, accident or other infraction, we collected rates from both standard and nonstandard insurance companies. We also evaluated how insurers will treat you after multiple incidents.

Full methodology

Cheapest car insurance companies for bad drivers

We recommend Progressive as the cheapest company for drivers with an accident or DUI on their record, which quoted an annual rate 31-40% less than the average across major insurers. For other common traffic violations, Geico had the cheapest rates, at 20%-25% less than the average.

Comparing the cheapest auto insurance companies for a driver with an at fault accident.
Currently insured?
It's free, simple and secure.

Choosing one of the cheapest car insurance companies could net you savings of up to 40% for those with a poor driving record. Since rates vary significantly by incident, the best way for bad drivers to get the lowest car insurance rates is to get a free online insurance quote to compare rates from multiple insurers.


Cheapest insurer
Cheapest annual cost
Avg. annual cost
Running a stop signGeico$2,188$2,75821%
Reckless drivingGeico$2,265$2,84820%
Careless drivingGeico$2,188$2,93325%
At-fault accidentProgressive$2,428$3,52631%

Quotes represent the annual cost of a full coverage auto insurance policy for a driver living in Jacksonville, Florida. Traffic violations and accidents occurred within the last year.

Find the Cheapest Insurers in Your State for a Bad Driving Record

How does a bad driving record affect car insurance?

Insurance companies charge higher rates to drivers that they expect will cost them more through insurance payouts—either for damages inflicted on other motorists that they are liable for, or to pay for vehicle repairs or replacement that result from a collision insurance claim.

According to the models that insurance companies use to set rates, drivers that have previous car accidents and violations on their records are more likely to be in future accidents. They are, therefore, charged higher car insurance rates due to the increased risk they represent to the insurers.

Not all traffic violations and accidents are equal; typically the more severe the incident, the greater the car insurance cost increase.

Minor accidents and violations—speeding or running a stop sign—are likely to only cause a relatively minor increase in premiums of around 14%. However, if you are convicted of a serious traffic violation—a DUI for example—you could see a difference in rates of 41%.

The best way for bad drivers to save on car insurance is to get free car insurance quotes from multiple insurers. You can also save if you get quotes after past driving incidents are no longer on your record.

Type of violation

Avg. cost per year
Increase in rates
% increase
Running a stop sign$2,758$34814%
Reckless driving$2,848$43718%
Careless driving$2,933$52222%

Compare rates

A bad driving history won't impact your auto insurance rates forever. Insurers typically only factor in accidents and traffic violations from the past three years. This means that incidents that occurred more than three years ago are unlikely to have any effect on your car insurance rates and may not need to be reported to your insurer. However, there is an exception when it comes to DUI convictions, which have the potential to affect your car insurance rates for up to five years.

How to get car insurance with a bad driving record

To get affordable car insurance rates, individuals with a bad driving record may have to spend more time and effort shopping for auto insurance. This is because insurance companies might quote these individuals exorbitant rates for their auto coverage. Furthermore, some insurers may not even offer coverage to high-risk drivers, such as those that require SR-22 insurance.

SR-22 (or FR-44 in some states) insurance refers to a special type of policy for individuals with bad driving records that requires an insurer to file a certificate of financial responsibility that confirms you have the required amount of liability coverage. Usually, this is only necessary for individuals with pretty serious convictions on their driving records—such as DUIs—and those that have had their driver's license suspended.

If you require a SR-22 form to be filed on your behalf, major insurers—such as Farmers, State Farm and Allstate—might not be an option, as they may choose not to offer you coverage because of your bad driving record. Instead you may have to consider nonstandard auto insurance companies that specialize in offering coverage to high-risk drivers.

Two good nonstandard car insurance companies are The General Insurance and Direct General Insurance. However—since the impact of a bad driving record on your car insurance rates changes over time—you should shop around for insurance regularly to make sure you are getting the lowest rates.

Frequently asked questions

Is there an auto insurance company that doesn't check your driving record?

No. Essentially every insurer will consider your driving record when setting insurance rates. However, some companies are more forgiving than others when it comes to driving history, such as Geico and Progressive.

What is the cheapest insurance for drivers with accidents on their record?

Progressive is the cheapest insurer we found after an at-fault accident. Its rates are 31% below average.


We collected insurance quotes for a driver in Jacksonville, Florida, from five major insurers to understand which offered the best rates after a driving infraction.

We collected full coverage insurance quotes for drivers with six different driving incidents on their record:

  • Speeding
  • Running a stop sign
  • Reckless driving
  • Careless driving
  • DUI
  • At-fault accident

We also collected quotes for a driver with a clean record as a baseline.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.