If you have a less-than-stellar drive record, it ’ ll monetary value you — and not barely because of traffic tickets and insurance claims. Drivers with a bad record besides have to pay higher car policy premiums. If you have a history of accidents, you might be wondering how you can find indemnity that ’ randomness more low-cost. Keep read to learn about our recommendations .

Is car insurance more expensive for bad drivers?

The long and short of it is, yes—car indemnity is more expensive for bad drivers. Regardless of what violations are on your record, where you live, or what insurance supplier you have your rates will be affected by poor driving habits and those with incidents on their record. bad drivers include those with a history of traffic violations, but it besides includes drivers who have a poor credit score, or drivers who have been caught driving without policy. These offenses can make a driver more hazardous to insure, and consequently leads to more expensive insurance premiums .

How does a bad driving record affect car insurance?

Violation types

indemnity companies determine your policy premium based on the types of violations on your record. There are many different violations that can affect your policy, and some violations hold more slant than others. additionally, the severity and frequency of the violations, and where they occurred, are considered when calculating your rate.

The board below includes a few of the most common traffic violations, some that affect your car indemnity and others that don ’ deoxythymidine monophosphate. Keep in take care that this tilt is not comprehensive, so it ’ second best to contact your indemnity ship’s company to learn what violations they look for when setting your rate .

Violation Impact
Speeding Speeding has a high impact on your car insurance, and these violations usually stay on your record for 3-5 years.
DUI/DWI DUI/DWI charges are one of the most serious violations. They cause your rate to skyrocket, plus you will be required to get an SR-22 or FR-44. A DUI/DWI will stay on your record for at least 5 years. 
Parking ticket Parking tickets are not added to your driving record, so they don’t have any impact on your car insurance rate. 
Running red light Running a red light will cause your rate to increase about as much as a speeding ticket. These infractions typically stay on your record for 3-5 years.
Collision A car accident has a significant impact on your insurance, but your rate increase is dependent on a number of factors. Accidents usually stay on your record for 3 years.
Texting-while-driving ticket Texting-while-driving tickets do affect car insurance rates, but it’s not the most serious offense. The rate increase varies by state and provider. Expect a distracted driving violation to stay on your record for 2-3 years.
Reckless driving Reckless driving is another major cause of insurance rate spikes. It’s a serious offense (more serious than an accident) that stays on your record for at least 5 years. If you’re a repeat offender, you could be at risk of losing your coverage entirely.


Speeding tickets are moderately-serious offenses when you look at it from an indemnity perspective. After your first speed ticket for exercise, Progressive says that your rate will increase by an average of 30 %. But if it ’ mho your second or third accelerate ticket, you can expect your rate to increase by much more. besides, how fast you were driving over the accelerate limit has an impact on your indemnity .


By a big margin DUI/DWI is one of the most good violations you can get. It will cause your indemnity pace to increase exponentially, and second offenders may lose coverage all in all. After a DUI, you ’ ll besides need to get an SR-22 or FR-44, to prove that you carry the submit ’ south required minimum come of car insurance. It normally costs about $ 25 to add an SR-22 to your policy, but the actual rates vary by provider .

Parking ticket

The good news program if you have a few park tickets sitting in your glovebox is that they won ’ t impact your car policy any. When you get a park tag, the information is added to a city database to ensure you pay the finely. however, the information is not reported to your indemnity company or the DMV. But keep in mind that there are still non-insurance refer consequences if you fail to pay a parking ticket, such as being unable to register your car in your county .


Texting-while-driving is considered a perturb drive discourtesy, and it will impact your insurance, but not significantly compared to a DUI for exercise. Distracted force offenses are more good than a no-fault accident, but less good than a accelerate ticket. The actual rate addition will depend on the express and the provider. Your insurance caller will besides account for early factors, like whether you were speeding and texting at the same prison term, or if you hit another driver while you were texting.

How to get car insurance with a bad driving record

Having a bad drive record can be an policy nightmare. You might even struggle to get approved for car indemnity if you have a DUI/DWI or heedless driving charge. however, there are alternate ways that bad drivers can get coverage .

Look for non-standard insurance

If you ’ ve been denied coverage from a private policy provider, consider looking into a bad policy policy, besides called non-standard policy. Non-standard insurance is specifically for bad drivers, and there are a handful of insurance providers that offer this coverage. It may not be cheap, but it ’ sulfur much easier to get approved .

Take advantage of discounts

Most insurance providers offer discounts that can help policyholders lower their agio. Depending on your provider, you can qualify for savings if you have basic guard features installed in your car, take a defensive drive run, bundle your policies, pay your premium in full, or sign up for paperless charge. Contact your provider to see what discounts you are eligible for, as these can help mitigate rate increases .

Set up a payment plan

If all else fails, and you can ’ thymine find a way to lower your rate any further, ask your insurance provider about a payment plan. It ’ s not always advertised, but most insurance companies will find a way to help you finance your payments. For exemplar, you might be able to adjust your schedule payment for the day after your paycheck gets deposited, or pay quarterly alternatively of monthly.

Can I find auto insurance that doesn’t check my driving record?

unfortunately, no. Every car insurance company will check your tug record when you apply for indemnity. however, not every company will deny you coverage based on what they find. here are some policy providers that don ’ thymine weigh your tug record heavily to determine your eligibility :

  • The General
  • Safe Auto
  • Jupiter
  • Direct Auto
  • Foremost
  • Founders

The takeaway

  • Having a bad driving record, or being a high-risk driver, will have an impact on your insurance.
  • Certain violations will cause your rate to increase, and after a serious offense, you could potentially lose coverage altogether.
  • Drivers with a bad record can still get insurance, but it typically comes at a much higher price.

If you ’ re a bad driver, be prepared for it to impact your insurance in both monetary value and approval chances. Violations like a DUI/DWI come with the most desperate consequences, whereas a texting-while-driving violation international relations and security network ’ t quite as impactful. Unless the discourtesy is adenine light as a parking ticket on your windshield, be prepared to see a rate increase. however, there are ways that bad drivers can get coverage without it breaking the bank. Taking advantage of discounts, altering a payment plan or considering a non-standard policy are all ways to compensate .

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