Free Quote

car insurance for bad driving record to enjoy worry free driving

Get Best Car Insurance for Bad Drivers No Matter What Your Situation Is!!

If you are one of those who is on the lookout for affordable auto insurance for bad drivers then you are at the right place. Take advantage of our expertise for finding a low cost coverage that fits your specific needs and budget despite having bad driving record.

Nevertheless, your ability to secure best auto insurance could depend on a variety of factors. It is important that you had an idea regarding these before you start researching various options. The best way to go about it is to consult a competent certified insurance agent.

  Few Handy Tips For Finding Cheap Car Insurance Bad Driving Record Policy: 
  • Improve driving skills and choose higher deductibles.
  • Check eligibility to get discounts to drive a cheaper vehicle.
  • Take steps to build credit before approaching insurers.
  • Get safety features like anti-theft alarm or side airbags installed in car.

What Will Happen To My Car Insurance Policy If My Driving Record Is Bad?You might be charged higher premium if you have poor driving record to compensate for the overall risks involved in granting car coverage at the time of renewal of existing policy. Still you can check for a car insurance quotes for bad driving records with us to have complete idea.
Can I Buy Secure Car Coverage If I Have Some Driving Convictions?Yes, you can get car coverage even if you have driving convictions but the money you will spend to get insured will depend on how serious these traffic convictions are.
Is It Possible To Exclude A Person Who Has Bad Driving History From My Policy?Although some insurers do permit such type of a proposition, the rules and regulations for excluding persons with bad driving records from driver’s insurance policy is governed by state laws. However, some insurers do permit such type of a proposition.



Driving Record

our chances of securing cheap car insurance policy online might get hampered if you are a reckless driver with multiple traffic tickets.


Coverage Gaps

It could be difficult to get cheap insurance for bad drivers online if there is a lapse or discontinuity in your car coverage.


Personal Profile

Insurers consider adult drivers to be safer propositions as compared to teen drivers. Similarly, female drivers are considered less risky as compared to male drivers.


Credit Rating

Insurers run credit checks for assessing risks involved in granting coverage. Studies show that drivers with poor credit are more likely to file for claims.

5 Safety Checks for Bad Drivers: Buy Online bad record car insurance

You may be branded as a bad driver if you fall in one of the following categories of individuals:

  • DUI/DWI Offense

    If you have been convicted for a DUI or DWI offense then will be treated as a high risk driver.

  • Speeding Tickets

    Over speeding can result in violation of traffic rules and issuance of tickets. This can lead to rise in premiums.

  • No Prior Insurance

    Driving a car without having valid insurance is blatant violation of law and that can attract hefty fines or penalties.

  • Driving Skills

    Reckless driving practices can lead to being labelled as a high risk driver by most of the car insurance companies.

  • Accident Record

    If you have been involved in one or two accidents during the past 2 years, you are high risk driver.



You can apply for SR-22 certification with your existing insurer if you your driver’s license has been suspended for any reason including DUI or DWI offense. Such a move might enable you to drive car legally on road with adequate coverage in accordance with your state’s driving rules and regulations.

Fill Out Simple formTell us about yourself & your car
Get Quote InstantlyCompare rates from trusted companies
Save 30% or MoreSelect the right choice and save!

Capitalize on this opportunity to work with top rated insurers across the country. Qualify for lower premiums on your vehicle insurance despite your having bad driving record or past DUI/DWI conviction. Benefit with a simple, easy and hassle-free process to saves money.


For reducing level of premiums, you may have to take some urgent steps for improving your driving habits. Besides, there could be several other cost saving strategies which need to be considered when exploring bad driving record auto insurance options.

  • 01.

    You can save money on insurance premium if you use public transport system more frequently and drive your car occasionally.

  • 02.

    If you are driving an old used vehicle then you can drop collision or comprehensive car coverage feature to reduce premium.

  • 03.

    To secure the best car insurance policy, you must get and compare multiple free non-binding quotes.

  • 04.

    Get enrolled for a defensive driver’s training course in your neighbourhood to get cheap car insurance for bad record. Insurers will provide you premium discount for being a safe driver

  • 05.

    Choose higher deductible as that will help in lowering premium. But you may have to spend money from your pocket in case of any eventuality

  • 06.

    Drive a car with numerous safety features like anti-theft alarm, side airbags, anti-lock brakes, etc. as that fetch you an additional discount on insurance premium.

  • 07.

    It is easier to obtain insurance if you are driving a cheap old car. You can think of dropping expensive comprehensive and collision features.

Have Past Record of Tickets or Accidents? Get Bad Driving Record Car Insurance Now!

How Is Risk Calculated By Insurance Companies?

As mentioned earlier, your car insurance premium is calculated based on multiple factors. This helps insurance companies measure the driving risk of an individual. It helps them determine how likely you are to get into an accident. All these factors combined will determine if an individual is part of a higher risk group or not. Higher risk will yield you a higher premium amount while lower risk will give you a lower premium. The most common factors include 

  • Age Of An Individual

    Younger people have a higher risk of driving rashly, given their inexperience. Hence, they are usually charged a higher premium

  • Marital Status

    Married people are seen as responsible and hence, charged a lower premium.

  • Make Of The Vehicle

    People driving sports cars have are riskier compared to those driving minivans. Hence, a higher premium is charged to those at higher risk.

  • Other Factors

    Factors such as driving history, past accidents or claims, driving infractions, DUIs, and location of the individual. This helps determine whether you live in an accident-prone area or not.