The Best Auto Insurance Companies for People With Tickets

Some of the best auto insurance companies for people with tickets are the same for those without violations. Just because you’ve received a ticket doesn’t exclude you from getting affordable auto insurance rates from many popular insurance companies. Even if you need non-standard auto insurance, many insurance companies will still give you affordable car insurance rates. It can help if you consider multiple insurers and ask about any discounts.

If you want to find quotes for the best auto insurance companies for people with tickets, enter your ZIP code into our free quote tool to see what you could pay.

What insurance companies will cover drivers with tickets?

If you’re a driver who has received traffic tickets recently, you’re likely worried about how it will affect your auto insurance rates. Unfortunately, this fear isn’t unfounded because any tickets you receive will cause your rates to go up. For example, one speeding ticket can increase your auto insurance rate by around 25%.

But getting a ticket isn’t the end of the world for your ability to be insured, even as you expect your costs to go up. As long as you don’t have a long list of tickets to pay for, you should be able to find insurance with the most popular insurers.

Some of the best high-risk insurance companies that provide rates to people with tickets include:

• Allstate
• Geico
• Liberty Mutual
• Nationwide

If you rarely get a ticket, many popular insurers will still be willing to give you a policy. However, after receiving a ticket while covered by one of these insurers, you can expect your vehicle insurance quotes to increase around 25% to 27%.

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What is a high-risk driver?

A high-risk driver is anyone out on the road with enough past driving issues, such as speeding tickets, to make them a more significant risk for an accident. When you’re considered a high-risk driver, you might find your auto insurance rates are higher than you expected.

If you’ve been involved in more than a few high-risk activities, you may have difficulty finding an insurer willing to give you coverage. It would help if you improve your driving habits before you apply for insurance.

What will cause someone to be considered a high-risk driver?

A high-risk driver is someone who has multiple violations in a short amount of time. When someone is considered a high-risk individual, it means the insurer thinks there is a higher risk that they’ll have to pay out to that individual at some time. So, as a result, many insurers will raise the rates of high-risk drivers.

Violations that will have you considered a high-risk driver include:

• One or more car accidents
• Multiple speeding violations
• Driving under the influence (DUI) conviction
• Being a young and inexperienced driver
• Less-than-great credit history

Any one of these actions is enough to have you considered a high-risk driver. Multiple offenses may cause an insurance company to offer insurance, but only at a high rate.

What are my options for insurance as a high-risk driver?

Depending on the number and seriousness of violations on your driving record, you may have a challenging time getting auto insurance. However, that doesn’t necessarily mean that you won’t get auto insurance coverage. High-risk drivers will instead find that their options for auto insurance coverage may be limited.

Some of the options for high-risk drivers to get auto insurance include lowering potential risks, such as improving your driving record, credit history, and other factors that affect your underwriting.

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What is non-standard auto insurance?

If you are considered an exceptionally high-risk individual, you may want to think about finding an insurer that offers non-standard auto insurance. A non-standard auto insurance policy is similar to traditional auto insurance, except for the higher premiums. Because of this, it’s the best insurance for a bad driving record.

Because the insurer will make more off these policies, they’ll be more willing to give non-standard coverage to those considered high-risk. The amount of coverage you may get can also be limited to non-standard auto insurance.

The list of high-risk auto insurance companies include:

• Freeway Insurance
• Geico
• The General Insurance
• 21st Century

When looking for a non-standard auto insurance policy, it is wise to compare rates from multiple insurers. You want to see who offers better premiums and look for any coverage limits that might leave you with larger out-of-pocket expenses.

How do different tickets reflect on your auto insurance rates?

Unfortunately, drivers may receive tickets for a variety in infractions, some of course more serious than others. Drivers can be ticketed for something as innocent as letting a parking meter run out of money. As the offenses differ in severity, they will affect your auto insurance. The way that tickets can affect your auto insurance include:

• Speeding – These tickets will cost your rates to go up at least 15% at Progressive. The more tickets you receive, the higher your rate.
• Distracted driving – Depends on the state. If allowed, it will likely be treated as other moving violations.
• Running a red light – Tickets from red-light cameras have the potential to raise your rates, depending on state regulations.
• Driving under the influence (DUI) – If you have a recent DUI record on your auto insurance, you’ll have to pay much more for rates and may lose your auto insurance with a subsequent DUI charge.

Except for the DUI, some driving infractions do get removed from your record over time. A DUI can stay on your driving record for five or 10 years, or even for life, depending on the state. The best thing you can do is to immediately make any lifestyle changes that will keep you from creating any more red flags on your driving record.

Why is it harder to get car insurance as a high-risk driver?

When you’re labeled a high-risk driver by the insurer, it means that the insurer thinks there is a better chance that you’ll be in some form of accident or violation. So if the insurer feels that you present a more significant opportunity to pay out, it will charge you to cover that risk.

The insurer will evaluate your life in a process called underwriting, where it considers different factors in your life. For example, the auto insurance company will compare the following areas to determine if you have more of a high-risk nature. The insurance company will look at your:

• Driving record
• Credit history
• Vehicle history

If your insurer finds anything that indicates a more risky lifestyle, you’ll have to cover that risk. The insurer won’t consider any violations unless they are recent. So, it’s best to try and shape up your records as soon as possible.

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Are there more accessible ways to get car insurance as a high-risk driver?

If you’re worried about having to pay too much for auto insurance, there are ways to lower your risk and ensure you’re getting the best rates. According to the Insurance Information Institute, some of the ways a high-risk driver can get affordable car insurance include:

• Compare multiple insurers – Insurers are constantly competing with each other, even for high-risk drivers. You’re sure to find at least a few insurers willing to offer you some deal or discount.
• Understand your car’s role – Vehicles will significantly affect your auto insurance rates, as more valuable vehicles will cost more to insure. On the other hand, vehicles with safety and anti-theft features can often get discounts for their drivers.
• Higher deductible – If you opt for a higher deductible, you’ll save money each month on your rates, but then be sure the higher deductible is within your budget.
• Bundle policies – Companies such as Freeway Insurance offer non-standard auto insurance and residential insurance products, including a discount for those who bundle multiple policies.

If you’re a high-risk driver, you can still find affordable auto insurance rates with a bit of work. While it may take time, lowering your risk is a significant first step to getting more affordable auto insurance rates.

Where can I find auto insurance that doesn’t check my driving record?

When an insurance company underwrites you, it is betting it can make a profit on your policy before it has to pay out a large amount for repairs. By underwriting, auto insurers prevent themselves from insuring people who will cause them to run out of money due to repeated accidents.

Underwriting is one of the most critical steps in the insurance process. The insurer wouldn’t want to ignore any warning signs in your past driving record. So, in short, there aren’t any insurers that ignore your past driving record. If an insurer ignored driving records, they would not make a profit and be able to stay in business.

How can I lower my rates after too many tickets?

Seeing your rates go up after you’ve gotten too many tickets can be stressful, but there may be options to help get the costs back under control. Your insurer will want to see a commitment from you to improve your record before it is willing to give you a discount. Some steps you can take are:

• Take a defensive driving class
• Look for a new insurer that’s cheaper
• Ask your insurer for any safe-driver discounts and how to get them

While it can be stressful to pay for tickets and increased insurance rates, careful planning can help you get cheaper rates. Some insurers will also offer discounts that you can take advantage of for lower costs.

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What kind of discounts do insurance companies offer?

Insurers are businesses just like any other marketplace that sells products. Also, like other businesses, insurers are constantly competing to gain more of the market share. They do this through marketing, customer service, and offering the best prices they can.

The more popular discounts you’ll find at most auto insurance companies include:

• Defensive driver
• Safe driver
• Accident-free
• Military

Most of these discounts are around the 10%-to-15% range, allowing customers to save money each time they pay their bill.

How long does it take for tickets to be dismissed from insurance consideration?

Now knowing that tickets have such a significant impact on your auto insurance rates, you’ll want them off your record as soon as possible. The good news is that traffic incidents won’t stay on your record forever. Most traffic violations more than three years old, except for DUI, aren’t considered.

This is likely bad news for people who’ve recently been in an accident or received a ticket. However, you can still begin putting in the work to ensure you can get the best rates when it’s dropped off your record.

Auto Insurance and Tickets: The Bottom Line

While it might seem a little daunting, many insurers will still offer coverage to people who have tickets. So even if you are considered a high-risk driver, you may be able to get a non-standard auto insurance policy. While it may cost more, it will provide you with some coverage while you attempt to improve your driving record. It may also be worth considering other insurers’ discounts and rates to see if it makes more financial sense to you.

If you’re curious about rates for the best auto insurance companies for people with tickets, enter your ZIP code into our free quote tool to see what you could pay.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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