The cheapest insurance with a bad drive record depends on several things, including the type of misdemeanor. however, we found that Erie, USAA and State Farm generally had the cheapest rates for bad drivers across the board.
Cheapest car insurance companies with a bad driving record
We analyzed over 100,000 car insurance quotes for drivers with poor drive records. We compared car indemnity quotes for uninfected repel records against drivers with a rush ticket, accident or DUI on their record .
In general, Erie, USAA and State Farm offered the cheapest car insurance for a bad driving record, regardless of the trespass. here ’ s how it shakes out for each particular violation.
- bar chart Speeding slate
- bar chart At-fault accident
- bar chart After a duet
rate increases for bad driving vary depending on the misdemeanor. liberal increased rates by 55 % after an accident, but only 32 % after a DUI. Increases besides depend on the party : MetLife and Geico charge more than double after a DUI, while State Farm only raised rates by 36 %.
Looking for cheap car insurance with a bad driving record?
Comparing quotes can help a bad driver save over $ 1,000 a year .
How much does car insurance cost for a bad driving record?
There ’ s no room around it : it ’ sulfur expensive. We looked at thousands of quotes for full-coverage car indemnity in every state, and here ’ s what we found .
car indemnity goes up by 26 % after a speed slate, 40 % after an accident and 75 % after a DUI. It ’ s virtually guaranteed that your cable car policy rates will go up with a misdemeanor on your record. And you ’ ll normally pay higher rates for three to five years after the trespass. Depending on the austereness of the rape and where you live, it could be longer .
Insurance costs after an accident, speeding ticket or DUI in 2022
precisely how much is that speeding ticket, accident or DUI going to cost you ? It depends on where you live and your exact policy coverage, but the answer is broadly more than you might think. We found that on modal, your indemnity premiums will increase by 26 % after a travel rapidly tag, 40 % after an accident and 75 % after a DUI .
| State | Yearly rate increase after a speeding ticket | Yearly rate increase after at-fault accident | Yearly rate increase after a DUI |
|---|---|---|---|
| U.S. average | $216 | $421 | $791 |
| Alabama | $203 | $396 | $743 |
| Alaska | $146 | $286 | $537 |
| Arizona | $383 | $747 | $1,403 |
| Arkansas | $173 | $339 | $636 |
| California | $178 | $348 | $654 |
| Colorado | $251 | $489 | $919 |
| Connecticut | $283 | $552 | $1,036 |
| Delaware | $289 | $564 | $1,059 |
| Florida | $382 | $747 | $1,402 |
| Georgia | $212 | $414 | $778 |
| Hawaii | $156 | $305 | $573 |
| Idaho | $129 | $252 | $473 |
| Illinois | $254 | $497 | $932 |
| Indiana | $127 | $248 | $466 |
| Iowa | $117 | $228 | $428 |
| Kansas | $130 | $255 | $478 |
| Kentucky | $321 | $626 | $1,176 |
| Louisiana | $339 | $663 | $1,244 |
| Maine | $106 | $207 | $390 |
| Maryland | $285 | $557 | $1,046 |
| Massachusetts | $184 | $358 | $673 |
| Michigan | $470 | $917 | $1,722 |
| Minnesota | $231 | $451 | $848 |
| Mississippi | $237 | $462 | $869 |
| Missouri | $201 | $392 | $736 |
| Montana | $131 | $255 | $479 |
| Nebraska | $121 | $236 | $444 |
| Nevada | $383 | $748 | $1,404 |
| New Hampshire | $182 | $356 | $668 |
| New Jersey | $218 | $425 | $798 |
| New Mexico | $170 | $332 | $624 |
| New York | $579 | $1,131 | $2,124 |
| North Carolina | $117 | $228 | $429 |
| North Dakota | $113 | $221 | $415 |
| Ohio | $114 | $223 | $419 |
| Oklahoma | $195 | $381 | $716 |
| Oregon | $295 | $576 | $1,081 |
| Pennsylvania | $157 | $306 | $574 |
| Rhode Island | $377 | $736 | $1,383 |
| South Carolina | $232 | $453 | $852 |
| South Dakota | $105 | $205 | $385 |
| Tennessee | $152 | $296 | $556 |
| Texas | $302 | $589 | $1,106 |
| Utah | $213 | $417 | $782 |
| Vermont | $108 | $212 | $397 |
| Virginia | $161 | $314 | $589 |
| Washington | $234 | $458 | $859 |
| West Virginia | $137 | $268 | $504 |
| Wisconsin | $118 | $230 | $431 |
| Wyoming | $89 | $175 | $328 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Speeding tickets, accidents and DUIs can stay on your drive read for years but they will by and large alone affect your indemnity agio for around three years. The table below shows just how a lot your bad drive record is going to cost while it ’ s on your policy record .
| State | Extra insurance costs for speeding ticket | Extra insurance costs for at-fault accident | Extra insurance costs for DUI |
|---|---|---|---|
| U.S. Average | $976 | $1,216 | $2,374 |
| Alabama | $405 | $1,187 | $2,229 |
| Alaska | $146 | $857 | $1,610 |
| Arizona | $383 | $2,241 | $4,209 |
| Arkansas | $520 | $1,016 | $1,908 |
| California | $578 | $1,044 | $1,961 |
| Colorado | $501 | $1,467 | $2,756 |
| Connecticut | $848 | $1,656 | $3,109 |
| Delaware | $578 | $1,691 | $3,176 |
| Florida | $1,147 | $2,240 | $4,207 |
| Georgia | $424 | $1,242 | $2,333 |
| Hawaii | $469 | $915 | $1,719 |
| Idaho | $387 | $755 | $1,418 |
| Illinois | $763 | $1,490 | $2,797 |
| Indiana | $254 | $744 | $1,398 |
| Iowa | $350 | $684 | $1,284 |
| Kansas | $391 | $764 | $1,435 |
| Kentucky | $962 | $1,878 | $3,527 |
| Louisiana | $1,018 | $1,988 | $3,733 |
| Maine | $106 | $622 | $1,169 |
| Maryland | $551 | $1,670 | $3,137 |
| Massachusetts | $1,409 | $1,075 | $2,019 |
| Michigan | $3,287 | $2,750 | $5,165 |
| Minnesota | $1,156 | $1,354 | $2,543 |
| Mississippi | $237 | $1,387 | $2,606 |
| Missouri | $602 | $1,176 | $2,208 |
| Montana | $392 | $765 | $1,437 |
| Nebraska | $363 | $708 | $1,331 |
| Nevada | $1,532 | $2,244 | $4,213 |
| New Hampshire | $547 | $1,068 | $2,005 |
| New Jersey | $653 | $1,276 | $2,395 |
| New Mexico | $170 | $996 | $1,871 |
| New York | $1,448 | $3,394 | $6,373 |
| North Carolina | $351 | $685 | $1,287 |
| North Dakota | $340 | $663 | $1,245 |
| Ohio | $228 | $669 | $1,257 |
| Oklahoma | $586 | $1,144 | $2,148 |
| Oregon | $590 | $1,727 | $3,243 |
| Pennsylvania | $157 | $918 | $1,723 |
| Rhode Island | $1,131 | $2,209 | $4,149 |
| South Carolina | $465 | $1,360 | $2,555 |
| South Dakota | $210 | $615 | $1,155 |
| Tennessee | $152 | $888 | $1,668 |
| Texas | $905 | $1,766 | $3,317 |
| Utah | $640 | $1,250 | $2,347 |
| Vermont | $217 | $424 | $1,192 |
| Virginia | $482 | $941 | $1,767 |
| Washington | $703 | $1,373 | $2,578 |
| West Virginia | $412 | $536 | $1,511 |
| Wisconsin | $118 | $689 | $1,294 |
| Wyoming | $89 | $524 | $984 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
We used the average rate increases for speed, accidents and DUIs and extrapolated it over a three year period. The result number is an estimate of how a lot a driver will pay in extra insurance costs while a drive misdemeanor stays on their record .
How to get insurance discounts as a bad driver
We ’ ve established that you ’ ll likely face higher rates for a few years if you have blemishes on your driving record. Besides comparing car insurance quotes, there are a few things you can do to get cheaper rates .
first, bundling your policy is an easy way to cut 10 % ( or more ) off your bounty. Most people bundle car indemnity with home or renters insurance .
second, you can work to lower your accredit score. If your recognition score is icky, you ’ ll likely expression significantly higher rates. Taking steps to improve your credit rating can cut a goodly amount off your policy rates .
Third, arrest with your insurance company to see if you qualify for any other discounts, including :
- Low mileage
- Defensive driver courses
- Good student
High-risk insurance companies for bad drivers
If you rack up violations on your record, policy companies may see you as a bad driver. Standard policy companies may refuse to cover bad drivers, or, if they do offer coverage, they ’ ll charge well higher rates .
You may struggle to find an policy company to cover you due to your bad drive record, but you have a few options. First, you can get quotes from companies that specialize in covering bad drivers.
bad car insurers include companies like :
- Dairyland
- Acceptance
- The General
- Bristol West
- Kemper
- GAINSCO
If you ’ re still struggling to get see, see if your express offers an assigned risk design. These are government programs that provide liability indemnity to drivers who struggle to find car policy on their own. But know that these plans are frequently expensive and should be considered a last repair .
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