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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.
Drivers with Accidents/Tickets Ratings Highlights
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Score for Drivers with Accidents/Tickets
The Rate Chopper
Bad drivers can expect to find relevant, high-value options among the many suggested.
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.
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.
Score for Drivers with Accidents/Tickets
Score for Drivers with Accidents/Tickets
Compare
Many carriers mean more options for consumers, and therefore good options for those that are bad drivers.
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.
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.
Score for Drivers with Accidents/Tickets
Score for Drivers with Accidents/Tickets
Insurify
Many carriers mean more options for consumers, and therefore good options for those that are bad drivers.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Score for Drivers with Accidents/Tickets
Root Insurance
Root does not insure drivers with multiple tickets, accidents, or incidents on record.
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.
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.
Score for Drivers with Accidents/Tickets
Score for Drivers with Accidents/Tickets
AutoInsurance.com
Drivers with accidents, tickets, or a DUI on record will be able to find affordable options.
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.
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.
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.
Score for Drivers with Accidents/Tickets
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.
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.
Score for Drivers with Accidents/Tickets
Everquote
Drivers with a bad record can still find affordable and quality coverage through EverQuote.
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.
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.
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.
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.
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.
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.
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.
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.
Score for Drivers with Accidents/Tickets
Provide Insurance
Bad drivers can look through multiple quotes and find the right one for their situation.
Score for Drivers with Accidents/Tickets
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.
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.
