Best Car Insurance for Bad Drivers – List of Companies
If you’ve had accidents, traffic violations, or a DUI, you’re not alone—and you’re not out of options. Many Americans struggle with a less-than-perfect driving history, but the good news is that the best car insurance for bad drivers is still available and can provide reliable, affordable coverage.
In this article, we’ll explore how your driving record affects your premium, what companies specialize in high-risk drivers, and how you can still find affordable car insurance even with a few dings on your record. This guide is written in simple terms so anyone can understand it, and it’s loaded with SEO-rich keywords to help you get the answers you’re looking for.
Why Driving Records Matter in Car Insurance
Insurance companies use your driving record to determine how risky you are to insure. If you have speeding tickets, at-fault accidents, or a DUI, insurers see you as more likely to file a claim in the future.
That’s why rates can skyrocket after even one serious incident. However, not all companies treat violations the same way. The best car insurance for bad drivers comes from providers that use flexible pricing and understand how to work with high-risk profiles.
What Makes an Insurance Company Ideal for High-Risk Drivers?
Before we dive into specific providers, let’s look at the features that make a company suitable for drivers with a checkered record:
- Flexible underwriting that accommodates higher-risk drivers
- Accident forgiveness programs
- SR-22 filing options
- Usage-based tracking (to help you rebuild your record)
- Affordable high-risk auto insurance plans
- Quick claims process
These features are commonly found among the best car insurance companies for bad drivers.
Top 5 Best Car Insurance Companies for Bad Drivers
1. Progressive
Progressive is well-known for its willingness to work with drivers who have tickets or accidents on their records. They offer:
- Competitive high-risk premiums
- Snapshot® driving program to improve your rates
- SR-22 filing services
Why it stands out: They’re one of the largest companies that consistently appear on lists of best car insurance for bad drivers.
2. GEICO
GEICO tends to offer reasonable rates even for drivers with a less-than-perfect history. They also provide:
- Accident forgiveness after your first at-fault incident
- Easy-to-use mobile app and quote process
Why it stands out: GEICO’s wide coverage area and consistently low pricing make it a go-to option.
3. The General
The General specifically targets high-risk drivers. Their marketing speaks directly to people with poor credit, DUIs, or frequent accidents.
- Accepts drivers with multiple infractions
- Offers flexible monthly payments
Why it stands out: It’s one of the most approachable car insurance companies for bad drivers.
4. Dairyland Insurance
Dairyland is another provider that works well with high-risk individuals.
- SR-22 coverage
- Coverage for drivers with suspended licenses
- Motorcycle and non-owner policies available
Why it stands out: Dairyland’s niche approach makes it one of the best car insurance companies for bad drivers, especially for drivers needing alternative coverage types.
5. Nationwide
While not often thought of as a “high-risk” provider, Nationwide offers competitive rates and flexible forgiveness policies.
- SmartRide® rewards good driving habits
- Vanishing deductible programs
Why it stands out: Nationwide gives second chances and helps drivers rebuild their insurance standing.
Tips to Lower Your Premium with a Bad Driving Record
Even if you’re considered high-risk, you can still find savings. Here’s how:
- Enroll in a defensive driving course
- Ask about discounts for good behavior
- Bundle policies (car + home = savings)
- Consider pay-per-mile or telematics programs
- Increase your deductible to lower monthly payments
- Compare multiple quotes – don’t accept the first offer
Real Testimony from a High-Risk Driver
“I had two accidents and a DUI in the last three years. I thought nobody would cover me until I found an ad online about insurance options for people like me. I called Progressive and they gave me a rate that was way better than I expected. I now pay under $100/month and feel more secure knowing I’m covered again.”
— Brian T., Arizona
FAQs About Car Insurance with a Bad Driving Record
Q: Can I still get car insurance if I’ve had a DUI? A: Yes. Many of the best car insurance companies for bad drivers, such as Progressive and The General, offer DUI-friendly policies and SR-22 filings.
Q: How long will a bad record affect my premium? A: Most incidents stay on your record for 3–5 years. The longer you go without further violations, the more your rates will improve.
Q: Will I need to file an SR-22? A: If your state requires proof of insurance after a serious violation, your provider can help file the SR-22.
Q: Can I switch insurance companies with a bad record? A: Absolutely. In fact, switching is often the best way to save money. Just make sure you don’t let your coverage lapse.
Final Thoughts for Best Car Insurance for Bad Drivers
Don’t let your driving record define your future. While it’s true that tickets, DUIs, and accidents can raise your rates, many companies are still willing to offer affordable and reliable coverage.
The best car insurance for bad drivers is out there, and it’s more accessible than you think. Whether it’s GEICO, Progressive, The General, or another provider, make a few calls or compare quotes online today.
You may be surprised how much you can save—even with a less-than-perfect past.
