TheCarInsuranceGuide.com

Best Car Insurance for Drivers with Accidents/Tickets in 2025

Reviews and ratings on the Car Insurance Companies that are the best for drivers with accidents/tickets. Get coverage, premium and discount information from our list of the Best Car Insurance companies.

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Best Car Insurance Companies for Drivers with Accidents/Tickets in

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Ratings Methodology

TheCarInsuranceGuide.com has conducted pricing research on drivers with accidents/tickets in the top metropolitan areas with the major insurance carriers. In addition, we've conducted interviews with agents to gather opinions on pricing and offerings to drivers with accidents/tickets by the major carriers. The comments and ratings of our drivers with accidents/tickets reviews are the product of this proprietary research.

Ratings for Drivers with Accidents/Tickets

Drivers with Accidents/Tickets Ratings Highlights

Progressive

Score for Drivers with Accidents/Tickets

Progressive

For consumers with a history of tickets or accidents, Progressive just might be the best choice. Their coverage, customer service, and prices combined make them a great option for drivers who might otherwise struggle to find a reasonable policy.

See car insurance offer from Progressive
Bristol West

Score for Drivers with Accidents/Tickets

Bristol West

Bristol West shines here. Whether you are a new driver, a driver with tickets or accidents on record, or a driver with a recent DUI/DWI, this company was built with your needs in mind. Expect quick service and fair rates.

See car insurance offer from Bristol West
Gainsco

Score for Drivers with Accidents/Tickets

Gainsco

Gainsco offers competitive policies for high-risk drivers, and typically has great rates available. Definitely check them out if this applies to you.

See car insurance offer from Gainsco
Dairyland

Score for Drivers with Accidents/Tickets

Dairyland

This driver type is Dairyland's main customer base. They cater their coverage options, services, and prices to offer the most bang for your buck to drivers with incidents on record. If this applies to you, absolutely get a quote from them and see where you stand.

See car insurance offer from Dairyland
Elephant

Score for Drivers with Accidents/Tickets

Elephant

They rank particularly high when it comes to higher risk drivers. While other carriers might refuse to serve drivers in this category, Elephant's services are actually geared towards this group. If you have accidents, tickets, or incidents such as a DUI on your record, we recommend getting a quote from them to see where you stand.

See car insurance offer from Elephant
Safe Auto

Score for Drivers with Accidents/Tickets

Safe Auto

drivers with a checkered driving record should absolutely look into Safe Auto, because their business model is specifically geared towards your needs. You'll likely get lower rates with this carrier than you would with most others.

See car insurance offer from Safe Auto
Doc Auto Insurance

Score for Drivers with Accidents/Tickets

Doc Auto Insurance

Bad drivers, also known as nonstandard drivers, may have a much easier time finding insurance by working through Doc Auto's agency.

See car insurance offer from Doc Auto Insurance
Experian

Score for Drivers with Accidents/Tickets

Experian

Drivers with a notable record should give Experian a try, as they will simplify the carrier comparison process and make it easier to get a good quote from a top brand.

See car insurance offer from Experian
Hugo Insurance

Score for Drivers with Accidents/Tickets

Hugo Insurance

Hugo Insurance performs average when it comes to drivers with accidents or incidents on record. They tend to offer insurance to most applicants, but if you intend to drive often, this might not be a great option for you anyway.

See car insurance offer from Hugo Insurance
LOOP

Score for Drivers with Accidents/Tickets

LOOP

The key to getting a good price through LOOP as a "bad driver" is to change your driving habits now. Drive more safely, and your rate will likely be lowered.

See car insurance offer from LOOP
Mercury

Score for Drivers with Accidents/Tickets

Mercury

While it's not necessarily their target customer base, Mercury is open to insuring customers with a checkered driving record, which can't be said for many of the bigger players in the industry. Though not guaranteed, it's possible they'll offer you a reasonable rate for some quality coverage despite your driving history.

See car insurance offer from Mercury
HiRoad

Score for Drivers with Accidents/Tickets

HiRoad

Bad drivers committed to improving their driving habits can benefit from the safe driver discounts offered by HiRoad.

See car insurance offer from HiRoad
Jerry

Score for Drivers with Accidents/Tickets

Jerry

Bad drivers, or drivers with accidents or tickets on record, can benefit from Jerry's assistance in finding affordable car insurance from a reputable carrier.

See car insurance offer from Jerry
Jupiter

Score for Drivers with Accidents/Tickets

Jupiter

Jupiter stands out as a great provider to drivers in this category. They have fantastic rates and flexible coverage to suit your budget, regardless of your driving history.

See car insurance offer from Jupiter
AARP Auto Insurance from The Hartford

Score for Drivers with Accidents/Tickets

AARP Auto Insurance from The Hartford

Though they may still insure you, you can expect higher rates if you have violations on your driving record.

See car insurance offer from AARP Auto Insurance from The Hartford
Esurance

Score for Drivers with Accidents/Tickets

Esurance

If you have a challenged driving record, Esurance may be a great company to work with. Our auto insurance agent survey respondents ranked Esurance near the top for providing a good offering for consumers regarded as driving risks by other insurance companies.

See car insurance offer from Esurance
Geico

Score for Drivers with Accidents/Tickets

Geico

If you fall into this driver category, definitely consider GEICO. The results from both our auto insurance agent survey and our price profiling research suggest that GEICO is one of the best options for drivers with a history of tickets or accidents.

See car insurance offer from Geico
Hub - Auto

Score for Drivers with Accidents/Tickets

Hub - Auto

Bad drivers will like utilizing VIU's expert advice and quick quote comparisons, as both help to simplify the insurance process.

See car insurance offer from Hub - Auto
Mile Auto

Score for Drivers with Accidents/Tickets

Mile Auto

Mile Auto will provide coverage to drivers with a slightly marred record.

See car insurance offer from Mile Auto
National Family Assurance

Score for Drivers with Accidents/Tickets

National Family Assurance

Even if you have recent accidents, tickets, or DUI incidents on your record, National Family Assurance can work with you to find affordable car insurance.

See car insurance offer from National Family Assurance
Novo

Score for Drivers with Accidents/Tickets

Novo

As Novo tries to base pricing on driving behavior, they are not a great option for those with a bad driving record.

See car insurance offer from Novo
State Farm

Score for Drivers with Accidents/Tickets

State Farm

As this is not the target driver type for State Farm, drivers in this category may be better off looking at other carriers if they want a good rate.

See car insurance offer from State Farm
The Rate Chopper

Score for Drivers with Accidents/Tickets

The Rate Chopper

Bad drivers can expect to find relevant, high-value options among the many suggested.

See car insurance offer from The Rate Chopper
AAA Southern California

Score for Drivers with Accidents/Tickets

AAA Southern California

This is not the best match for drivers with accidents, tickets, or other incidents on record.

See car insurance offer from AAA Southern California
AAA Southern California

Score for Drivers with Accidents/Tickets

AAA Southern California

This is not the best match for drivers with accidents, tickets, or other incidents on record.

See car insurance offer from AAA Southern California
Agile Rates

Score for Drivers with Accidents/Tickets

Agile Rates

Many carriers mean more options for consumers, and therefore good options for those that are bad drivers.

See car insurance offer from Agile Rates
Clearcover

Score for Drivers with Accidents/Tickets

Clearcover

Clearcover can provide a rate for bad drivers too.

See car insurance offer from Clearcover
Compare

Score for Drivers with Accidents/Tickets

Compare

Many carriers mean more options for consumers, and therefore good options for those that are bad drivers.

See car insurance offer from Compare
Get My Quotes Now

Score for Drivers with Accidents/Tickets

Get My Quotes Now

They provide a curated list of quote options from a variety of carriers, making them a great choice for higher risk drivers who might otherwise struggle to get insured.

See car insurance offer from Get My Quotes Now
Infinity

Score for Drivers with Accidents/Tickets

Infinity

If you have a challenged driving record, Infinity may be a great company to work with. Our auto insurance agent survey respondents rank Infinity near the top for providing quality policies to consumers regarded as driving risks by other insurance companies.

See car insurance offer from Infinity
InsuredNation

Score for Drivers with Accidents/Tickets

InsuredNation

Drivers with a bad record will still have good options available to them.

See car insurance offer from InsuredNation
Insurify

Score for Drivers with Accidents/Tickets

Insurify

Many carriers mean more options for consumers, and therefore good options for those that are bad drivers.

See car insurance offer from Insurify
Savvy Car Insurance

Score for Drivers with Accidents/Tickets

Savvy Car Insurance

Even if you have accidents or tickets on your driving record, Savvy has the potential to help you save -- their service compares your current insurance to options from other providers to get you the best price possible.

See car insurance offer from Savvy Car Insurance
The Zebra

Score for Drivers with Accidents/Tickets

The Zebra

Many carriers mean more options for consumers, and therefore good options for those that are bad drivers.

See car insurance offer from The Zebra
Clutch Insurance

Score for Drivers with Accidents/Tickets

Clutch Insurance

If you have a challenged driving record, Clutch Insurance may be a great company to work with. Our auto insurance agent survey respondents ranked Clutch Insurance near the top for providing a good offering for consumers regarded as driving risks by other insurance companies.

See car insurance offer from Clutch Insurance
Direct Auto

Score for Drivers with Accidents/Tickets

Direct Auto

If you have a challenged driving record, Direct Auto may be a great company to work with. They consistently provide low rates and fairly good coverage to this driver type, which is something that cant't be said about most other carriers.

See car insurance offer from Direct Auto
21st Century

Score for Drivers with Accidents/Tickets

21st Century

Though it is not their typical customer base, they will offer policies to drivers with some issues on record.

See car insurance offer from 21st Century
Allstate

Score for Drivers with Accidents/Tickets

Allstate

Allstate does not stand out when it comes to serving this driver group. While they do write policies for drivers with accidents, tickets, or other issues on their driving records, they may not offer the best pricing in these cases. They primarily serve drivers with clean records. 

See car insurance offer from Allstate
Branch Insurance

Score for Drivers with Accidents/Tickets

Branch Insurance

They focus more on premium drivers.

See car insurance offer from Branch Insurance
Lemonade

Score for Drivers with Accidents/Tickets

Lemonade

For drivers with incidents on record, Lemonade can be hit or miss. While they do offer some of the lowest rates around, they don't provide SR-22 support, so drivers in need of that will need to look elsewhere.

See car insurance offer from Lemonade
Liberty Mutual

Score for Drivers with Accidents/Tickets

Liberty Mutual

Liberty provides excellent service, but you will likely have some challenges getting a competitive quote from them if you have accidents or tickets on record.

See car insurance offer from Liberty Mutual
Plymouth Rock Assurance

Score for Drivers with Accidents/Tickets

Plymouth Rock Assurance

For drivers with accidents or tickets in their recent past, this might not be the best option as they do not offer low prices to high-risk drivers.

See car insurance offer from Plymouth Rock Assurance
Root Insurance

Score for Drivers with Accidents/Tickets

Root Insurance

Root does not insure drivers with multiple tickets, accidents, or incidents on record.

See car insurance offer from Root Insurance
Travelers

Score for Drivers with Accidents/Tickets

Travelers

As Travelers is known as one of the best auto insurers around, we recommend all driver types try to at least get a quote with them. However, as they are not their target customer base, drivers with accidents, tickets, or other incidents on record may not find that Travelers can offer them a competitive quote.

See car insurance offer from Travelers
USAA Auto

Score for Drivers with Accidents/Tickets

USAA Auto

Drivers with a bad record will pay more than safe drivers do through USAA, but the company does offer certain forgiveness policies that can help keep rates manageable. Getting a quote is the best way to see where you stand.

See car insurance offer from USAA Auto
Answer Financial

Score for Drivers with Accidents/Tickets

Answer Financial

Bad drivers can find suitable options among the many offered.

See car insurance offer from Answer Financial
AutoInsurance.com

Score for Drivers with Accidents/Tickets

AutoInsurance.com

Drivers with accidents, tickets, or a DUI on record will be able to find affordable options.

See car insurance offer from AutoInsurance.com
AutoInsurance.org

Score for Drivers with Accidents/Tickets

AutoInsurance.org

Those with a bad driving record will find having a lot of options helpful in choosing a plan that has good value and meets their needs.

See car insurance offer from AutoInsurance.org
Bankrate

Score for Drivers with Accidents/Tickets

Bankrate

Drivers with notable records typically have a harder time getting insured, which is why comparison services such as Bankrate can come in handy -- they do the research for you.

See car insurance offer from Bankrate
Best Auto Insurance

Score for Drivers with Accidents/Tickets

Best Auto Insurance

With several options on the table, bad drivers can expect to find good options for their situation.

See car insurance offer from Best Auto Insurance
Car Insurance MKT

Score for Drivers with Accidents/Tickets

Car Insurance MKT

With lots of choices to look through, bad drivers can find a policy that suits their situation and needs.

See car insurance offer from Car Insurance MKT
CarInsurance.net

Score for Drivers with Accidents/Tickets

CarInsurance.net

As multiple quotes will be offered, bad drivers can pick one that fits their needs.

See car insurance offer from CarInsurance.net
Cheaper-Quotes.com

Score for Drivers with Accidents/Tickets

Cheaper-Quotes.com

It can be difficult to find insurance when you have incidents on your record, but Cheaper Quotes can make the process easier. By allowing users to compare multiple carriers at once, it's more likely that high-risk drivers can find insurance options that fit their budget.

See car insurance offer from Cheaper-Quotes.com
Comparisons.org

Score for Drivers with Accidents/Tickets

Comparisons.org

As comparisons.org allows users to compare multiple quotes in one spot, they might be a great option for drivers with accidents or tickets on record, who may otherwise struggle to find an insurer.

See car insurance offer from Comparisons.org
Everquote

Score for Drivers with Accidents/Tickets

Everquote

Drivers with a bad record can still find affordable and quality coverage through EverQuote.

See car insurance offer from Everquote
FinanceBuzz

Score for Drivers with Accidents/Tickets

FinanceBuzz

Getting car insurance can be especially difficult for drivers with incidents on record because a lot of carriers do not insure this driver subtype. By providing multiple quotes in one place, FinanceBuzz makes finding the right carriers easy, regardless of your driving history.

See car insurance offer from FinanceBuzz
Finder

Score for Drivers with Accidents/Tickets

Finder

Having lots of choices benefits those with a bad driving record, as they can compare each option and ultimately choose the right one for their needs.

See car insurance offer from Finder
Gabi

Score for Drivers with Accidents/Tickets

Gabi

Bad drivers will find good insurance options using Gabi's system, as they suggest multiple competitive options catered to each customer.

See car insurance offer from Gabi
Insurance Rates for Less

Score for Drivers with Accidents/Tickets

Insurance Rates for Less

Drivers with incidents on their record will be able to get good prices with all of the options Insurance Rates for Less suggests.

See car insurance offer from Insurance Rates for Less
InsuranceHoney

Score for Drivers with Accidents/Tickets

InsuranceHoney

Bad drivers will benefit from the many options offered, as they can easily find one that meets their specific needs.

See car insurance offer from InsuranceHoney
Insure.com

Score for Drivers with Accidents/Tickets

Insure.com

Drivers with a notable history of traffic violations should consider Insure.com, as their service makes it easier for nonstandard drivers to find the carriers willing to offer them coverage at a fair price.

See car insurance offer from Insure.com
Metromile

Score for Drivers with Accidents/Tickets

Metromile

Metromile likes consumers with good driving records, so consumers with blemishes on their record are advised to look elsewhere.

See car insurance offer from Metromile
National Auto Quotes

Score for Drivers with Accidents/Tickets

National Auto Quotes

Given that National Auto Quotes makes quote comparisons easy, they are a good choice for drivers with bad records, who may otherwise struggle to find affordable insurance.

See car insurance offer from National Auto Quotes
NerdWallet

Score for Drivers with Accidents/Tickets

NerdWallet

If you have a challenged record, you could benefit from using a carrier comparison tool such as NerdWallet.

See car insurance offer from NerdWallet
Otto Insurance

Score for Drivers with Accidents/Tickets

Otto Insurance

As Otto offers easy quotes, they can be a great option for drivers with bad records who are otherwise struggling to find affordable insurance.

See car insurance offer from Otto Insurance
Peklava

Score for Drivers with Accidents/Tickets

Peklava

Drivings with violations on record may find it easier to search for insurance through a quick quote comparison service such as RateZip.

See car insurance offer from Peklava
Pretected

Score for Drivers with Accidents/Tickets

Pretected

Given that several quotes will be offered, bad drivers can expect to find at least one that will work with their needs.

See car insurance offer from Pretected
Provide Insurance

Score for Drivers with Accidents/Tickets

Provide Insurance

Bad drivers can look through multiple quotes and find the right one for their situation.

See car insurance offer from Provide Insurance
Quote By Zip

Score for Drivers with Accidents/Tickets

Quote By Zip

With many choices at hand, bad drivers can find good options for their needs.

See car insurance offer from Quote By Zip
QuoteWizard

Score for Drivers with Accidents/Tickets

QuoteWizard

Have accidents, tickets, or other incidents on your record? QuoteWizard might be able to help you find insurance at an affordable rate, easily.

See car insurance offer from QuoteWizard
SavingsJoy

Score for Drivers with Accidents/Tickets

SavingsJoy

Bad drivers will benefit from the many options offered, as they can easily find one that meets their specific needs.

See car insurance offer from SavingsJoy
Smart Financial

Score for Drivers with Accidents/Tickets

Smart Financial

Those with a bad driving record can expect to find a suitable policy among the several offered.

See car insurance offer from Smart Financial
Spark Auto Insurance

Score for Drivers with Accidents/Tickets

Spark Auto Insurance

Drivers with incidents on record will still be able to find affordable insurance using this site.

See car insurance offer from Spark Auto Insurance
Squeeze

Score for Drivers with Accidents/Tickets

Squeeze

Driving with a history of traffic violations may have an easier time finding a suitable insurer by working with a comparison service such as Squeeze to narrow down the search.

See car insurance offer from Squeeze
Ultimate Insurance

Score for Drivers with Accidents/Tickets

Ultimate Insurance

Drivers with notable records have a harder time getting insured, which is why comparison services such as Ultimate Insurance are a particularly great option for this group -- they do the research for you.

See car insurance offer from Ultimate Insurance
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