How to Get Car Insurance if You Have a Poor Driving Record

Having a poor driving record can make getting car insurance challenging, but it doesn’t make it impossible. Drivers with past violations, accidents, or high-risk designations often face higher premiums or limited coverage options. However, there are strategies for obtaining affordable insurance that meets your needs. This guide will explore what it means to have a poor driving record, how it affects your insurance, and actionable steps for securing coverage.

Understanding a Poor Driving Record and Its Impact

A poor driving record generally includes multiple moving violations, at-fault accidents, or serious offenses like DUI convictions. Insurance companies assess these factors when calculating your risk level. The more incidents on your record, the higher the perceived risk, which in turn raises your premiums.

What is Considered a Poor Driving Record?

•Multiple Moving Violations: Speeding tickets, running red lights, and other traffic infractions.

•At-Fault Accidents: Any accident in which you were deemed responsible.

•Serious Violations: Offenses such as reckless driving, DUIs, or hit-and-runs.

•Points on License: Accumulated points from violations that increase over time.

How a Poor Driving Record Affects Car Insurance Rates

Type of Violation	Average Rate Increase
Minor Traffic Violation	20-30%
At-Fault Accident	40-50%
DUI or Reckless Driving	80-100%

Note: These percentages vary depending on your insurance provider and state.

Steps to Get Car Insurance with a Poor Driving Record

Even with a poor driving record, there are specific strategies to help you secure coverage.

1. Seek High-Risk or Non-Standard Insurance Providers

Some insurance companies specialize in offering coverage to high-risk drivers. Companies like The General and Acceptance Insurance cater to drivers who struggle to get standard policies. These companies are more likely to work with drivers with poor records but may charge higher premiums.

2. Consider State-Sponsored Insurance Programs

Some states offer insurance programs specifically for high-risk drivers who cannot obtain coverage elsewhere. These programs, like California’s Low-Cost Auto Insurance Program (CLCA), provide basic liability coverage at more affordable rates. Check with your state’s Department of Insurance to see if you qualify.

3. Complete a Defensive Driving or Safe Driver Course

Defensive driving courses show insurers that you’re committed to improving your driving behavior. Many insurers offer discounts for drivers who have completed these courses. Additionally, some states may remove points from your record upon course completion.

4. Compare Quotes from Multiple Providers

Every insurance company calculates risk differently, so comparing quotes is essential. Use reputable insurance comparison tools or consult an independent agent specializing in high-risk drivers.

5. Opt for a Policy with Higher Deductibles

Choosing a higher deductible can lower your premium, but keep in mind that you’ll pay more out-of-pocket if you file a claim. Ensure you can cover the deductible amount if needed.

6. Take Advantage of Available Discounts

Many insurance companies offer discounts that can help offset your higher premiums, even with a poor driving record. Look for:

•Bundling Discounts: Combine auto and home insurance.

•Telematics Programs: Insurers track driving behavior via a mobile app or device, potentially lowering premiums if you demonstrate safe driving habits.

•Anti-Theft Device Discount: Installing security features can reduce your premium.

7. Improve Your Credit Score (in Applicable States)

While some states don’t allow credit scores to influence car insurance rates, others do. Improving your credit score can positively affect your premium and help make up for a poor driving record.

High-Risk Insurance Providers: Pros and Cons

Provider	Pros	Cons
The General	Flexible policies, caters to high-risk drivers	Higher-than-average premiums
SafeAuto	Available in multiple states, offers SR-22 forms	Limited coverage options in some areas
Acceptance Insurance	Experienced with non-standard policies	Higher rates compared to standard insurers
Dairyland	Good for SR-22 and high-risk drivers	Often expensive for minor violation-only drivers

SR-22 Forms: What Are They and When Are They Required?

An SR-22 form is a certificate that proves you carry the minimum liability insurance required by your state. It is not a separate policy but an add-on that some high-risk drivers must file with their DMV after a serious violation, like a DUI. Not all insurance providers offer SR-22 filing, so you may need to look for insurers who specialize in this type of high-risk insurance.

How Long is SR-22 Required?

The duration for which you’ll need an SR-22 varies by state but typically ranges from three to five years. During this period, maintaining consistent coverage is essential, as any lapse could result in penalties.

Reducing Car Insurance Costs with a Poor Driving Record

While securing car insurance with a poor driving record may be more expensive, there are ways to reduce costs over time.

Build a Clean Driving Record

By maintaining a clean driving record moving forward, you can demonstrate to insurers that you’re less of a risk. Over time, violations will “fall off” your record, generally after three to five years, reducing the impact on your premium.

Explore Usage-Based Insurance (UBI)

Many insurers offer usage-based programs where premiums are based on driving behavior. Insurers use devices to monitor your driving habits, and if you consistently drive safely, you could benefit from lower rates. Companies like Progressive’s Snapshot and Allstate’s Drivewise offer these programs.

Pay-As-You-Go Insurance

If you drive less frequently, pay-as-you-go insurance can be an affordable option. These policies charge based on miles driven rather than a fixed rate, making them ideal for low-mileage drivers with poor driving records.

Pros and Cons of Insurance Options for High-Risk Drivers

Insurance Option	Pros	Cons
State-Assigned Risk Plans	Provides coverage when others won’t	Limited coverage, often high premiums
Non-Standard Insurance Providers	Willing to insure high-risk drivers	Higher premiums than standard policies
Telematics or Usage-Based Plans	Rewards safe driving with potential discounts	May feel invasive; data tracking required
Pay-As-You-Go Insurance	Cost savings for low-mileage drivers	Not ideal for drivers with high mileage

Why a Poor Driving Record Improves Over Time

While a poor driving record can make insurance expensive, its impact often decreases with time. Most insurance companies consider violations and accidents from the past three to five years. As these incidents age, they hold less weight in rate calculations, and insurance premiums may drop accordingly.

Timeline of Violation Impact on Premiums

Type of Violation	Duration of Impact on Rates
Minor Violations	3 years
Major Violations (e.g., DUI)	5 years
License Suspension	Up to 7 years

Note: Duration may vary by state and insurer.

Call to Action

If you’re struggling with high insurance rates due to a poor driving record, start by comparing quotes from multiple providers. Look into high-risk insurance options, consider completing a defensive driving course, and explore telematics programs that can reward safe driving habits. By taking proactive steps, you can find affordable coverage and work toward lower premiums over time.

Author
Recent Posts

gtyovov

Our Authors: Grigor Yovov | Velichka Yovova | Alice Smith at TrendixInsurance

Grigor Yovov
Co-Founder and Senior Insurance Consultant

Grigor Yovov is the co-founder of Trendix Insurance and a senior consultant with over 17 years of experience in the insurance and finance sectors. Specializing in car, home, life, and health insurance, he brings a strategic approach to insurance solutions for individuals and businesses. Grigor is dedicated to providing accurate, insightful information that helps users make well-informed decisions about their insurance needs. His deep knowledge of industry regulations and commitment to transparency ensure that Trendix Insurance readers get reliable, up-to-date content.

Vili Yovova
Insurance Specialist and Consumer Advisor

Vili Yovova is an insurance specialist at Trendix Insurance with extensive expertise in personal and family insurance planning. She focuses on helping users understand complex insurance topics and find the right coverage options for their unique needs. With a strong emphasis on transparency and user education, Vili provides detailed comparisons, guides, and insights into the latest insurance trends. Her user-focused content empowers readers to make informed insurance choices confidently.

Michael Johnson
Research Analyst and Content Writer

Michael Johnson is a research analyst and content writer with a background in financial services and a passion for clear, reliable information. At Trendix Insurance, Michael focuses on analyzing insurance products, policy benefits, and market trends to help users stay informed and make educated decisions. His commitment to accuracy and detail ensures that every article meets Google’s E-A-T standards, supporting readers with trustworthy and expert-backed content.