Affordable high-risk auto insurance for people with a bad driving record.

High-risk auto insurance refers to coverage for drivers who are considered more likely to file a claim. This can include drivers with tickets, accidents, DUIs, lapses in coverage, SR-22 or FR-44 filing requirements, or other rating factors that cause insurers to view them as higher risk.

A bad driving record can include speeding tickets, at-fault accidents, DUIs, reckless driving, suspended license history, lapses in insurance, and other violations. Each insurance company evaluates these factors differently, which is why rates can vary so much from one carrier to another.

Yes. BadDrivingRecord.com helps drivers get the right policy and, when required, add the SR-22 or FR-44 filing to stay compliant. SR-22 and FR-44 are not types of insurance — they are state filings attached to your auto policy that prove you carry the required liability coverage.

In many cases, proof of insurance can be issued the same day once your policy is started and payment is completed. If you need proof quickly for registration, license reinstatement, or a filing requirement, our team can help guide you through the fastest option available.

No single company is cheapest for every bad driving record. Your rate depends on your violations, your state and the car you drive, and each carrier weighs those differently. We quote several high-risk carriers at once, including National General, Bristol West and Infinity, so you can see which one prices your record lowest.

Yes. Non-standard carriers write policies for drivers with a DUI. In Florida and Virginia, a DUI conviction usually means an FR-44 filing, which requires higher liability limits. In Texas, Georgia and California the state usually asks for an SR-22 instead. We place the policy and send the filing to the state for you.

The amount of time an accident affects your insurance can vary by state and by company, but many insurers look back around three to five years. More serious accidents may have a longer impact depending on your driving history and the underwriting rules of the carrier.

Ticket lookback periods vary by state and insurer, but many insurance companies review the last three to five years of driving history. Even after a ticket is no longer counted by one carrier, another company may rate it differently, which is why shopping your options can matter.

Every state has a last-resort plan for drivers the private market turns down. In California it is the California Automobile Assigned Risk Plan (CAARP). Assigned-risk policies often cost more than a non-standard carrier would charge, so compare those carriers first, even if a standard insurer has already said no.

Often, yes. If you own a car but don't have a license, we can usually write the policy with a licensed driver listed as the main driver. If your license is suspended, some companies will write a policy so you can file an SR-22 or FR-44 and get your license reinstated.

It depends on who was at fault, how much the claim paid and what else is on your record. An at-fault accident with an injury claim raises rates far more than a small not-at-fault fender bender. Each company prices accidents differently, so comparing several shows you where the increase is smallest.

Most companies price a DUI for three to five years, and some look back longer. The filing period is separate: Florida and Virginia require an FR-44 for three years after most DUI convictions, and SR-22 states set their own periods.

Yes. A cancellation for nonpayment or too many claims makes standard companies cautious, but non-standard companies still write these drivers. Start the new policy before you drive again, since even a short lapse can raise your rate or lead to a suspension in states that track coverage.

You may be able to lower your premium by comparing multiple carriers, choosing the right vehicle, adjusting deductibles, keeping continuous coverage, improving credit where allowed, and avoiding new violations or claims. Reviewing your rate again at renewal can also uncover better pricing opportunities.