Cheapest Car Insurance for Drivers With Bad Driving Records

Because speeding tickets, at-fault accidents and DUIs stay on your record for several years, finding affordable auto coverage is crucial. A ticket or an accident might only remain on your record for a minimum of three years, depending on your state. In contrast, a DUI conviction can stay on your record for 10 years or longer. Additionally, the cost of insurance can vary significantly based on the state and the nature of the violation. While some states naturally have higher insurance costs, the penalty for a bad driving record can further amplify these rates.

State Farm stands out for offering the cheapest car insurance rates for drivers navigating the aftermath of an at-fault accident, ticket or DUI. The company provides affordable premiums and ensures that customers can capitalize on additional discounts, enhancing overall savings and financial management.

Finding affordable insurance after a bad driving record is crucial to avoid soaring premiums and protect your budget. It ensures you maintain necessary coverage without financial strain, safeguarding both your wallet and your future on the roads.

Your location plays a significant role in your car insurance rates. Different states have their own rules and see risks differently; because of this, a bad driving record might cost you more in some states than in others. View the table below to find the most affordable car insurance provider available in your state.

We found that State Farm offered the cheapest car insurance quotes after a speeding ticket for every age group, including:

• Drivers aged 22-29: $1,243
• Drivers aged 30-59: $1,008
• Drivers aged 60+: $925

The table below lists companies providing car insurance for drivers with a speeding ticket. Browse by your age range and desired coverage to find the most affordable option for you.

Getting a speeding ticket can raise your car insurance, and the increase varies by state. With a speeding ticket on their record, California drivers face the steepest rates, paying around $1,280 annually. In contrast, drivers in Idaho with a similar ticket pay much less, around $369 more yearly for coverage.

View the table below to find the cheapest average insurance rate and provider in your state. Keep in mind that these are just sample rates, and your "garage" location — or where you park and keep your car — also affects your rates. Different areas, even within a state, can have different insurance costs.

We found that State Farm offered the cheapest car insurance quotes after an at-fault accident for every age group, including:

• Drivers aged 22-29: $1,347
• Drivers aged 30-59: $1,091
• Drivers aged 60+: $1,004

The table below highlights insurers offering coverage for drivers with an at-fault accident. Filter by age and coverage type to find the cheapest sample coverage rates for you.

If you cause an accident, your insurance costs will usually increase. How much your premium goes up depends on the accident, your past driving record, the state where you live and your insurance company. In most cases, higher rates last for three to five years. Some insurance companies offer accident forgiveness coverage, meaning your first accident might not raise costs.

When figuring out insurance costs after an accident, two main factors come into play: the average cost of insurance in your state and how that state penalizes at-fault accidents. Even if your state generally has lower insurance rates, the price hike after an accident might be steeper than in other states.

Use the filters below to find the most affordable provider in your area. Adjust them based on your age and the coverage you want, and view the best options for your driver characteristics.

State Farm offers the cheapest car insurance quotes after a DUI for every age group, including:

• Drivers aged 22-29: $1,514
• Drivers aged 30-59: $1,231
• Drivers aged 60+: $1,129

Below is a selection of insurers for drivers with a DUI. Adjust by age and coverage type to find your best fit.

After a DUI, your insurance can significantly increase — even doubling or tripling — depending on your insurer and location. Some companies may not renew your policy, making it challenging to find new coverage. Many avoid insuring drivers with a DUI.

Taking a defensive driving course can help demonstrate to insurers that you're serious about safe driving, which could result in lower rates. Be sure to compare quotes from many insurance companies, especially those specializing in high-risk car insurance.

While your car insurance costs will always increase after a DUI, how much more you'll pay can vary depending on where you live. Drivers with DUIs in North Carolina can pay up to $2,043 for insurance, reflecting the state's naturally high coverage costs. Meanwhile, in Idaho, those with a DUI might pay just $412 annually, consistent with its generally lower insurance rates. Browse the table below to find the most affordable insurer in your state after a DUI.

Active-duty military members, veterans and their families may have access to special military discounts with select insurance companies. With USAA, drivers with a ticket on their record paid an average of $801 a year for a full coverage policy. The average annual premium for a driver with an accident was $953, and the average rate for a DUI was $1,258.

Regardless of the driving offense, a violation will typically cause your car insurance rates to increase. However, how much more you pay can vary widely depending on the type of traffic citation incurred. MoneyGeek explored the average premium increases after a ticket, accident and DUI to show you how much your costs could increase after these offenses.

If you receive a driving citation, there’s a good chance that your car insurance rates will increase. MoneyGeek analyzed rates for the average driver who received a ticket and found an average premium increase of $125, or 13%. This additional cost will apply to your premium as a surcharge for at least three years.

Car insurance premiums often go up after an at-fault accident because insurance companies see drivers with poor driving records as riskier to insure. According to MoneyGeek’s in-depth analysis of car insurance rates, full coverage policy costs increase by 21% after an at-fault accident, which amounts to an average of $208.

The average length of time a DUI stays on your record ranges from five to 10 years, depending on local jurisdiction regulations. However, in some cases, it can remain on a driving profile indefinitely. To insurers, a DUI indicates a higher financial risk for claims, so those with DUIs are likely to pay signficantly higher premiums for car insurance than drivers with a clean record or less severe infractions. MoneyGeek analyzed rates for the average driver with a DUI on record and found an average rate increase of $348, or 33%.

Finding affordable car insurance with a violation on your driving record can be challenging. Many drivers with multiple infractions or serious violations wonder how their record will impact their insurance rates and if affordable coverage is still within reach. To help clarify these concerns, we've compiled a list of frequently asked questions to help you find cheap car insurance with a bad driving record.