Car Insurance For Bad Drivers – If you’ve had a traffic accident, lack of driving experience or bad credit, insurance companies may consider you a dangerous driver – and raise your premiums accordingly. But there is still hope. Most reputable carriers will insure people with bad driving records, and if you’re having trouble getting insurance, your state’s auto insurance program can give you a chance.
If you would like a list of insurance companies and your risk plan, enter your zip code above to get a quote.
Car Insurance For Bad Drivers
We’ve collected thousands of citations from every zip code in Texas for drivers with four different violations, as well as drivers with clean records. Three prominent national insurers, State Farm, Geico and Allstat, also looked at General, which specializes in covering motorists with problems on their records.
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If your driving history puts you in one of the risk categories, some companies may have cheaper car insurance rates than others when it comes to insuring you. We compared rates from several major insurance companies that offer plans to high-risk drivers, and Geico consistently offered the lowest rates, with rates 36% cheaper than average.
All quotes are for one year, comprehensive coverage policies in the state of Texas. Unless noted, all quotes are for 30-year-old men with average credit and no other driving history.
Although your rates may be different from the sample rates in our study, our list can help you get started.
Geico consistently offers the cheapest rates, making it the most expensive option for each of our drivers, although State Farm’s prices are also cheaper.
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In addition to cost, risky drivers have another risk: reduced availability. If you have any of the above in your driving record, some insurers may not give you a quote at all.
However, we recommend that you try several major insurance companies before switching to a non-standard insurance company. These companies tend to have lower prices and poor service than regular insurers, so if you can find a standard company that will sell you a policy, it is often worth the extra effort.
The non-standard insurer we included in the survey, General, does not offer competitive rates to any of our drivers. However, for high-risk drivers, mainstream insurance companies do not offer them quotes, while non-standard insurance such as General offer coverage.
This review is based on driver profile options, so your rates may vary. You should always compare quotes from several companies to find the cheapest car insurance.
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Almost every state requires drivers to have car insurance, but some insurance companies may refuse to cover dangerous drivers. In this case, there are two main options to consider: non-standard insurance companies and government-made car insurance plans. Unfortunately, both charge higher rates to drivers than the major providers.
Non-standard insurance companies are companies that specialize in covering people who have trouble getting quotes from other carriers. Non-standard insurance is more regional than mainstream providers, but some of the bigger companies include General, Safe Auto and National General.
Previous DUI convictions, age, insurance lapses and credit scores can all affect your risk profile – and thus your auto insurance rate.
How much you will pay as a risky driver, but the different factors that apply to you, the higher your rate will be. In general, young drivers have the highest rates of driving violations. Not every state applies driver’s license points, but most of these risk factors will add points to your license.
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If you are charged with driving under the influence, your premium will increase. When your license is revoked, your insurer may be required to file an SR-22 form on your behalf. This form verifies that you have car insurance with the limits required by your state. You may need to keep the SR-22 form on file for several years — and during that time, you’ll pay higher rates as an at-risk driver.
While a single speeding ticket will not put you in the extreme category, if you have been ticketed for several infractions or for driving faster than the posted speed limit, it may be difficult to find cheap fares.
Research shows that young drivers exhibit risky driving habits and are more likely to get into car accidents, so insurers adjust their premiums accordingly.
Regardless of age, newly licensed drivers have higher insurance rates than experienced drivers who have been driving for a long time. There is one way to work around this rule: ask an experienced driver to add you to an existing policy. These shortcuts ensure that your premiums are lower than you think on your own.
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If you let your insurance lapse, cancel your policy or default on your premiums, you’ll likely see higher premiums after you apply. This is because a decrease in coverage indicates to the insurer that you are not doing well financially. And depending on the duration, some insurers may not provide you with coverage at all.
The good news is that over time, and when you prove to your insurance company that you are a responsible driver, your premiums will drop to normal levels. The bad news is that it takes six months or more for your policy premiums to drop.
People with bad credit history are also considered high risk drivers. Insurance companies are betting millions in the form of insurance policies, and to reduce their risk, they want to insure people who are less likely to make a claim.
For insurers, checking your credit history is a quick and easy way to determine whether you qualify for a claim. Fortunately, there are some insurers that do not do credit checks – but you have to shop around. Additionally, some states prohibit insurers from using credit history when calculating rates.
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A DUI is an example of a serious driving offense, and your insurance premiums will increase if you have other driving offenses — such as hit and run, reckless driving, or speeding. High insurance premiums may be the least of your worries, but some of these traffic violations may be considered felonies that may lead to jail time.
The first step to finding a good price for a driver with a bad record is to get several quotes online from several insurance companies and compare prices to choose the best plan.
Until you receive your quote, you cannot be sure which carrier will give you the lowest premium. There are other steps you can take to lower your price. With few exceptions, proactive measures like these can help improve your risk profile:
Remember, your insurance company will need proof of this activity, so it is best to keep good records and send them to the operator when you are ready.
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Even if the insurance company considers you a high risk now, you’ll be happy to know that your rates will drop over time as you prove that you’re a safe and responsible driver. Yes, things like getting a DUI will help you pay higher premiums in the long run, but the most dangerous drivers start paying lower prices after a year or two.
High-risk drivers are those who think their insurance is more likely to make a claim or be involved in an accident than the average driver. There are no specific rules about who is at risk or not, but if you are young, have several serious driving violations on your record, or have lapsed insurance, you are probably in the high-risk category.
How much you pay as a high-risk driver will vary depending on what put you at risk, how long ago the incident and where you live. Being a high risk can increase your rates by 4%, or 165%.
Geico offers great rates for high-risk drivers, but low-risk drivers can try non-standard insurance like General or Safe Auto. Or, you can get a policy through your state’s risk insurance pool.
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Estimated car insurance costs are for illustrative purposes only, and actual quotes will vary based on your physical residence, driving history, and other factors. The analysis uses insurance rate data from Quadrant Information Services. These rates are taken from insurance files and should be used for comparative purposes only – your quote may vary.
Call for an insurance quote over the phone: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! Farm Bureau offers the lowest car insurance rates for drivers with bad credit among companies available to all drivers. USAA offers the lowest rates for people with the lowest rates, but the company’s coverage is only available to members of the military, veterans, and certain other members.
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