Best car insurance for bad driving record policies of 2022

If you’re looking to put some money back into your wallet, your car insurance bill might be one place to look. We evaluated rates nationwide to find the best cheap car insurance for bad records among large companies.

Cheap Car Insurance

Forbes Advisor’s analysis of 10 large insurers found the cheapest car insurance at USAA and Geico. USAA’s average annual rate for good drivers of $1,141 per year is 27% cheaper than the national average of all companies evaluated. Geico’s average yearly rate for good drivers was also pretty cheap, coming in at $1,182. That is 25% lower than the national average of $1,569.

While USAA often has the cheapest car insurance rates for bad driving record for a variety of driver types, eligibility is limited to military members, veterans and their families.

Average Car Insurance Rates for Different Drivers

How much do different factors affect your chances of getting cheap car insurance? In our analysis of rates from 10 large insurers, poor credit was the highest hurdle to cheap car insurance rates. A DUI conviction and causing an accident that injured someone else also lead to higher rates.

Whatever your situation, you can look for a better deal by comparing car insurance quotes. Even drivers with excellent records need to do some shopping around to find the best rates.

How to Find the Cheapest Car Insurance Coverage for You?

The easiest and best way to find the cheapest car insurance coverage is to shop around. Determine your coverage needs and then comparison shop for those exact coverages, limits and deductibles so you’ll find prices for comparable policies.

It’s no good to find a cheap auto insurance policy only to realize the price is low because it contains minimum coverage levels or high deductibles.

Cutting coverage is one way to get cheaper auto insurance, but it can leave you open to repair bills and lawsuits against you. Instead, try these tips for getting cheap car insurance.

Get quotes from multiple car insurance companies

Comparison shopping is the best way to potentially save hundreds of dollars a year. Even if you have strikes against you, such as an accident or moving violation, you can still shop around for cheap auto insurance rates. Because of the wide variation in pricing, the company that offered you a good rate for a clean record may not be the cheapest when your driving record changes. That’s why it’s key to compare car insurance quotes from different insurers.

Review your auto insurance coverage

It’s good to review your policy regularly to make sure your current coverage, limits and deductibles still are best for your current situation.

Do you have optional coverages on your vehicle you don’t use or want, such as roadside assistance or rental reimbursement insurance? If so, take them off to get cheaper car insurance.

Reconsider your deductible

Your deductible is what’s subtracted from a settlement check if you make a collision or comprehensive insurance claim. If you can afford a higher deductible in the event of a claim, raise it so your collision and comprehensive coverages are cheaper. For example, if you have a $250 deductible, you can raise it to $500 or $1,000 and save.