If you have multiple traffic violations on your record, car insurance companies may consider you a bad driver and consign you higher rates because of it .
How much more might you pay for car policy as a bad driver ? According to our research, getting a speeding ticket raises your insurance rates by 35%, on average. An accident raises your rates by an average of 77%. And a DUI raises your rates by an average of 132 % .
These are barely averages, of course — which means your car indemnity rates might go up by more than 35 % after getting a slate, or they might go up by less than that sum. For model, we found that Erie, the cheapest car insurance company for bad drivers in this area, lone raised rates by 5 % after a accelerate tag, on average. On the other end of the spectrum, Amica raised rates by an median of 89 % after the lapp misdemeanor .
This article covers how to find bum car indemnity as a bad driver, arsenic well as :

What is a high-risk driver?

A bad driver is person who does anything to suggest to an policy company that they ’ re probably to file claims that will cost the insurance company money .
Car insurance companies are most likely to see you as a high-risk driver if, for instance, you get several tickets within the span of a few years, or if you cause an accident. The tickets in this case could be for something as relatively harmless as rush, or a serious as running a red unaccented or driving under the influence ( DUI ) .

How much does high-risk auto insurance cost?

If your history causes an indemnity provider to consider you a bad driver, it will probably charge you more for car coverage. In fact, our data shows insurers may increase your rates anywhere from 35 % to 132 %, on average, as a resultant role of these infractions .
here ’ s how much your cable car indemnity rates could go up after some park drive violations :

Type of violation Average rate increase
One not-at-fault accident 3%
One accident with $3,000 in property damage costs 44%
One accident with $3,000 in bodily injury costs 55%
Two accidents, each with $3,000 in property damage costs 81%
Two accidents, each with $3,000 in bodily injury costs 95%
Note: Average rate increases are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Being labeled a high-risk driver might result in more than higher car insurance premiums. It may also prompt your insurer to not renew your policy.
All that said, what you pay for bad car insurance depends on a number of factors, including where you buy your policy. Because of this, it is authoritative to compare rate quotes from several companies when shopping for car insurance as a bad or bad driver .

What are the best insurance companies for high-risk drivers?

Erie is the best car policy ship’s company for bad drivers, based on our research. USAA, Mercury and Auto-Owners besides offer bum cable car indemnity rates to drivers with certain infractions on their records .

Erie, best car insurance company for high-risk drivers overall

Erie offers the brassy car policy rates to drivers with tickets, accidents and even DUIs on their records, according to our data .
here are the average rates Erie offered our sample distribution bad driver in each of these areas .

Traffic violation Average monthly rate
Speeding ticket $97
Accident $118
DUI $140
Note: Average rate increases are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

These average rates are lower than the average rates every other policy company we surveyed sent our sample distribution driver .
How do these bad car indemnity rates compare to what Erie charges drivers with cleanse records ? We found that Erie charges drivers with clean records an average of $ 92 per calendar month for car indemnity. This is equitable $ 5 per month less than what it charges drivers with travel rapidly tickets, but $ 48 per month less than what it charges drivers with DUIs .

USAA, runner-up for best car insurance after a speeding ticket

USAA besides offers cheap car insurance to drivers with speeding tickets on their records, at an average of $ 129 per calendar month .
Although this is $ 32 per month more than what Erie offered our sample bad driver with one speeding ticket, it ’ randomness $ 12 per calendar month less than what the next-cheapest option, Auto-Owners, offered. besides, it is $ 80 per calendar month cheaper than the U.S. average in this situation, which is $ 209 per month .
USAA is a commodity option for drivers with accidents on their records, excessively, so if that describes you, get a quote from them while shopping for cable car policy as a bad driver.

Auto-Owners, runner-up for best car insurance after an accident

Auto-Owners offers cheap car insurance to drivers with accidents on their records, besides, at an average of $ 132 per calendar month .
That is $ 14 per calendar month more than what Erie offered our sample distribution driver with an accident on their record, but it ’ s besides $ 22 less than what the next-cheapest option, USAA, offered .

Mercury, runner-up for best car insurance after a DUI

mercury offered our sample bad driver with a DUI an median rate of $ 168 per calendar month for car insurance coverage. This is $ 28 per month more than what Erie offered, but $ 13 per calendar month less than what the next-cheapest option, GEICO, offered .
It is besides $ 191 per calendar month cheaper than the U.S. average for drivers with DUIs on their drive records, which is $ 359 per calendar month .

What else can I do to get cheap high-risk car insurance?

Finding cheap insurance for bad drivers isn ’ triiodothyronine constantly easy. Comparing quotes from the best bad car policy companies highlighted above is a effective first step, but you can take these other steps to get lower rates, besides .

Become a better driver

If you can improve your drive read, you ’ ll besides improve your chances of finding cheap, or at least low-cost, car insurance. And the best and easiest means to improve your drive record is to minimize dealings infractions, violations and accidents. This may require you to seek professional help through a defensive drive school or some other form of driver department of education. Bonus : your insurance company may give you a discount for completing such a course .

Bundle your coverage

If you have renters or homeowners insurance as well as car insurance, see if you can bundle your policies together with the same company to save money and lower your costs. Bundling might reduce your policy premium by 10 % or more. While you ’ re at it, see if you qualify for any early discounts, excessively. That could make your coverage even cheaper .

Be patient

While many states alone allow insurers to look at the survive three years of person ’ s drive record, early states allow them to look far back. Regardless, be patient if you have a badly drive record and you want bum car indemnity. Do your best to not get any more tickets or citations and indemnity providers should finally stop considering you a senior high school hazard .

What if I can’t find car insurance as a high-risk driver?

If you can ’ t find car insurance because you have a regretful drive record with tickets, accidents, DUIs or other violations, get quotes from companies that specialize in covering bad drivers .
Some standard indemnity companies refuse to cover bad drivers. The ones that do cover them often tear well higher rates .
Here are a handful of car insurance companies that are known for covering high-risk drivers:

  • Acceptance
  • Bristol West
  • Dairyland
  • GAINSCO
  • The General
  • Infinity
  • Kemper
  • National General
  • SafeAuto

If you hush can ’ thyroxine get bad car policy after comparing quotes from these companies, see if your department of state offers an assigned gamble design .
many states, like California and Rhode Island, offer these plans. They provide indebtedness coverage to drivers who struggle to buy car insurance. Assigned risk plans tend to be expensive, though, sol consider them a death fall back .

Methodology

We analyzed the stick to scenarios for this article :

  • The driver is involved in, but is not at fault for, one accident.
  • The driver causes one at-fault accident that results in $3,000 of property damage.
  • The driver causes two at-fault accidents that results in $3,000 of property damage for each accident.
  • The driver causes one at-fault accident that results in $3,000 of bodily injury costs.
  • The driver causes two at-fault accidents that results in $3,000 of bodily injury costs for each accident.
  • The driver is found speeding six to 10 miles per hour above the speed limit.

We sampled all ZIP codes in California, New York, Texas, Illinois and Pennsylvania. average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary .
The driver profile we used for this psychoanalysis is a 30-year-old unmarried man with a clean drive history. He owns a 2014 Honda Accord and drives it 15,000 miles a year. While shopping for car indemnity, he selects a policy that includes the state-minimum total of liability coverage .
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