Auto Insurance for Bad Drivers

Auto insurance for bad drivers can be difficult to obtain as insurance companies can be very selective about which drivers they give coverage to. However, there still ways for bad drivers to obtain affordable coverage. While you should work on improving how safely you drive, you can also consider different transportation methods.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 12, 2020

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Almost everyone nowadays needs to drive at some point in their life, but not everyone has a spotless driving record. If you are what an insurance company considers to be a bad driver, then you can have a lot of trouble finding an insurance company that will offer you a decent rate. It is no secret that getting a few speeding tickets or being involved in more than one collision can raise your premiums.

The more points that you accumulate on your license, the higher your insurance rates will climb. Eventually, you may even have so many points of your record that you won’t be able to afford the exorbitant cost of insurance that you would have to pay to get coverage. So, what can you do when you need a car but are considered a bad driver?

If you have to be able to drive your car to work every day, then driving is a necessity, and you may not be able to afford to go without a car without the risk of losing your job. But, in most states, auto insurance is required, and if you don’t have it, you risk bankruptcy, your car being impounded, your license being revoked, etc. But if you can’t afford the high cost of auto insurance, then what can you do?

Insurance companies will no longer insure just about anyone. They can be very selective about which drivers they give coverage to and what kind of coverage a driver can get. If you are considered a bad driver to an insurance company, then you get the short end of the stick in this situation. But that doesn’t mean that you are hopeless; there are still ways you can find affordable coverage.

Things Bad Drivers Can Do to Get Better Insurance Rates

If you need your car but are having trouble finding affordable insurance that enables you to drive legally, then there are a few things that you can do to get better insurance rates. Even if you have a lot of points on your record, these tips can help you out.

  1. Consider using different forms of public transportation or join a carpool. Needing a car isn’t as important as getting to work, so if you need something right away, it is better to try other options so that you show up and still get paid. Even offering to pay a co-worker to give you a ride is better than staying at home.
  2. Improve your driving record. If you have points on your record that you want to try to get removed, there are a few ways you can do this.
    • You can take a driving course. Completing these courses can take up to four points off your record. Please contact your local DMV to get more information about which courses are avalaible in your area.
    • Dispute the charges and violations. If you think that you didn’t deserve the ticket that was given, or there is no proof of your fault, then you may dispute the charge and possibly get the point taken off.
    • Begin driving more carefully. Some license points will be removed automatically if you have no violations for a full year, so drive more carefully and you could be rewarded.
    • Retake a written driver’s test and pass it. In some states, doing this test again could take two points off of your record.
  3. Compare different insurance quotes. If you are having trouble getting coverage from your current insurance company, then you can switch to another that may cover you for a cheaper amount. Each company will take risks differently, and if they are willing to cover you, then you could get a lower premium, even with a bad driving record. Just shop around online to find a company that will cover you for a cheaper amount.
  4. Consider buying a car that is safer and costs less to insure. Cars with higher safety ratings usually warrant lower insurance premiums. Safe cars get in fewer accidents and drivers of safe vehicles make fewer claims. Therefore, insurers consider drivers of these safe vehicles to be less risky and reward them with lower insurance premiums.
  5. Lower the amount of coverage that you have on your insurance policy. If you have full coverage, which will cost more, you may need to reduce the amount of coverage that you have so that you get a lower monthly rate that you can afford. If you wouldn’t be able to afford it otherwise, then this is a way to keep your car and be able to drive while having points of your record.
  6. Combine your policy with a family member’s policy, if allowed. This could end up raising their rates, but it would help to lower your family’s overall monthly payment. If they have a good driving record and you do not, this could benefit you greatly.

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Final Word on Finding Cheap Insurance for Bad Drivers

If you have the need for speed, or like taking risks while you are driving, then you could be considered a bad driver because of the points that you have collected on your record. This doesn’t doom you to driving under the speed limit by ten miles every time you get behind the wheel, however. You can get your points off your record with these helpful tips, and lower your monthly insurance costs as well.

You want to be the best driver you can be, and to keep yourself and those around you safe. So, learning to drive carefully is a skill that should be practiced and honed. But, in the meantime, you should work to get the points off of your record and take steps to help lower the costs of your insurance while you fix your driving habits, so you are not paying high costs of insurance for years to come, even after you have become a better driver.

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