Tips for Finding Affordable Car Insurance Options

To find affordable bad driver car insurance, purchase a safe car, take a driving course, reduce your coverage, and compare bad driver car insurance using our quote comparison tool.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 8, 2021

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Here's what you need to know...

  • Being a bad driver does not mean you cannot obtain car insurance, just that your premiums may be higher than normal
  • High-risk drivers include drunk drivers, people who routinely speed, and even teenage drivers
  • There are several ways to reduce the cost of insurance as a high-risk driver
  • Use online quote tools to obtain comparisons of several car insurance companies before committing to one

If you are a bad driver, car insurance rates may be far more expensive than you would like to think. Additionally, you may find it nearly impossible to get car insurance once your existing policy expires.

Car insurance companies base your insurance rates on a number of factors, but your risk assessment is the biggest influence on your overall rates. Understanding what constitutes a bad driver will help you to better understand your rates. If you’re more likely to cause an accident with your driving habits, or you already have violations, such as a speeding ticket, then you’re going to have higher insurance premiums.

High-risk auto insurance ends up costing a provider more money, so they’re going to end up recovering the costs somehow. It’s not all bad – you can do things to clean up your bad driving record and start saving some money.

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What constitutes being a bad driver?

Drunk drivers, speeders, and teen drivers all fall under the high-risk driver category and will have to pay more for their insurance. They’re not all the same type of high-risk; someone with a speeding ticket on their record is going to fall into a bit of a different category than a teen driver. The same way that drivers with accidents on their record are regarded vs. someone who has only received one speeding ticket. They’re high-risk, but for different reasons.

It is important to note that being a bad driver doesn’t automatically mean that you will not be able to get car insurance, even if you have a lot of tickets.

In most cases, insurance companies don’t actually drop you as a client unless you have actually caused several accidents for which they have had to pay claims. Making a payment for damage you’ve caused does cost the company money, and if they’re paying out more than they’re receiving from you, they’re not going to turn a profit.

Therefore, getting points on your license isn’t the end of the world, but if you are costing the insurance company a lot of money, they may send you packing. This doesn’t mean that you can’t get insurance anywhere, however you will certainly face higher rates when you make that change. It’s a lot harder to get accident forgiveness added to your policy if you’ve already gotten into an accident in the past.

A bad driver could be someone with multiple DUI or DWI convictions, someone who drives without auto insurance, or someone who routinely gives into road rage that ends up causing auto accidents.

In the case of a DUI or DWI, you may have to file a specific document with your state called an SR-22 that shows you have adequate auto insurance.

If you don’t, then your license will be suspended and any cars in your name will have their registration revoked, even if you aren’t the person driving the car regularly.

Interestingly, teen drivers are often automatically placed in the bad driver category because of their age, even if they have never driven before. Their lack of driving history is behind this fact. Drivers with more experience and an even temperament are less likely to cause an accident.

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What are some tips for saving money?

Maintaining safe driving habits means that you cannot drive without insurance, but you don’t have to settle for the price that your insurance company has quoted you. If you’re paying for a service, it should be what you want, and also fit into your budget.

You need to take the time to shop around for the insurance that you need. If you don’t shop around, you won’t know who truly has the best rates.

Quote tools provide you with the opportunity to shop around without spending a lot of time doing it. They help you find policies for high-risk drivers at the lowest costs. There are more than enough coverage options that exist, it just takes some time to find them.

There are other ways that can help reduce the cost of your insurance that you should consider as well.

  • The type of vehicle you drive affects insurance costs – If you have a lot of safety features on your car, then you can save money on your car insurance. But many people don’t realize that if they are a high-risk driver, then insurance companies pay extra close attention to the type of car that you drive. Crashes tend to happen more if someone is speeding in a fast, new car.
  • Take a driving course – This won’t solve all of your problems, especially if the class doesn’t remove points from your license. However, most insurance companies offer a discount to drivers who take defensive driving courses, even high-risk drivers.
  • Take the bus – If you live close to public transportation, consider taking the bus for a while. While insurance companies reward loyalty and carrying continuous insurance, the bottom line is that most driving problems from accidents to DUIs stop affecting your rates after three years. If you are a bad driver, stop driving for a while and let your record return to normal. You can’t get in trouble for going over speed limits if you’re on a bus!
  • Lower your coverage – Unless you are financing or leasing your vehicle, you don’t have to carry collision or comprehensive coverage. Liability insurance is the most affordable option for drivers, and you can save a lot of money by carrying the bare minimums.

Are there any quote tools that can help you?

Quote tools are an excellent way for you to get the lowest possible rates for your auto insurance. Comparing the rates between companies is important, and if you don’t take the time to do this then you will pay too much for your auto insurance.

Many people don’t use quote tools because they think that the quote tool creators are only showing them companies that pay them the highest commissions.

However, we offer you several comparisons simply because we want to help you find the best deal for your insurance.

The great thing is that you have nothing to lose by giving it a try. You don’t have to make a purchase; no one will ask for your credit card or bank account number. it’s a great way to find the competitive options that exist between companies.

Start comparing car insurance quotes online right now by entering your zip code!



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