Yes, you can get car insurance even with a bad driving record. You may need a high-risk or non-standard policy, and in many cases, an SR-22 certificate to meet state requirements. While premiums will be higher, some insurers specialize in helping drivers with violations, DUIs, accidents, or lapses in coverage.
If you’re struggling to find affordable options, call Insure On The Spot at 773-202-5060. We help Illinois drivers get insured fast—even with a checkered record.
What Is Considered a Bad Driving Record for Insurance?
A bad driving record typically includes violations or claims that increase your perceived risk as a driver. While one speeding ticket may not cause major issues, a pattern of infractions or serious offenses can make insurance harder to obtain.
Common red flags include:
- Multiple at-fault accidents
- DUI/DWI or reckless driving convictions
- Repeated moving violations (e.g., speeding, running red lights)
- License suspensions or revocations
- Gaps in insurance coverage
Insurers may label you as high-risk if they believe you’re more likely to cause or be involved in future accidents. This often leads to higher premiums, policy cancellation, or denial of coverage from standard insurance companies.
Can I Still Get Car Insurance With a Bad Driving Record?
Yes, but you’ll need to look at options beyond standard insurers.
1. High-Risk or Non-Standard Insurance Companies
These carriers specialize in insuring drivers with accidents, tickets, DUIs, or suspended licenses. Companies like SafeAuto, Dairyland, The General, and Insure On The Spot offer flexible plans for drivers who don’t qualify with major brands.
2. State-Assigned Risk Pools
If you’ve been denied by multiple insurers, Illinois offers a last-resort option: the Illinois Automobile Insurance Plan (ILAIP). While costly, it guarantees coverage for those who can’t secure insurance otherwise.
3. SR-22 Filing Requirements
If your violations led to a license suspension or court-ordered insurance requirement, you’ll likely need an SR-22 certificate. Insurers must file this on your behalf to prove you’re meeting state minimum coverage laws.
At Insure On The Spot, we can file SR-22s instantly for Illinois drivers so you can get back on the road legally, often within minutes.
Can I Get Insurance With a Suspended or Revoked License?
Yes—insurance is still possible, and in fact, often required to reinstate your license.
- Suspended license: Many insurers will allow you to purchase a policy, especially if it’s for an SR-22 filing. Maintaining coverage during your suspension avoids future rate hikes due to a lapse.
- Revoked license: More complex, but if you’re eligible for reinstatement, you’ll likely need to show proof of insurance. An SR-22 filing will almost always be part of the process.
Tip: Even if you’re not driving now, keeping an active policy helps prevent further financial consequences. You’ll be ready to reinstate your license once eligible.
What If I Don’t Own a Car but Still Need Insurance?
You may need coverage to satisfy legal requirements, even without a vehicle.
The solution: Non-Owner SR-22 Insurance
- Covers you for liability when driving cars you don’t own
- Satisfies state SR-22 filing requirements
- Helps you reinstate your driver’s license if suspended
This policy doesn’t provide coverage for vehicles you own or regularly drive, but it’s ideal for drivers needing coverage for legal compliance without a car. Insure On The Spot offers non-owner SR-22 policies at competitive rates throughout Illinois.
What Is SR-22 Insurance and Will I Need It?
An SR-22 is a certificate your insurer files with the state proving you carry the required liability coverage. It’s commonly required after:
- A DUI or DWI
- Being caught driving without insurance
- Multiple traffic violations
- License suspension or revocation
You’ll typically need to keep the SR-22 active for three years in Illinois. Letting it lapse resets the clock—and may result in license suspension again. Not all insurers file SR-22s, but Insure On The Spot handles them daily and can help you stay compliant.
How Can I Find Affordable Insurance With a Bad Driving Record?
High-risk drivers pay more—but that doesn’t mean you’re stuck overpaying. Try the following:
1. Compare Multiple High-Risk Providers
Rates can vary significantly. Some insurers penalize DUIs more heavily, others penalize accidents. Use an agency like Insure On The Spot to get multiple quotes fast.
2. Ask About Discounts
Even high-risk drivers may qualify for:
- Safe-driving apps/telematics
- Defensive driving courses
- Bundling home or renters insurance
- Vehicle safety features
- Pay-in-full or autopay plans
3. Consider Minimum Coverage
Carrying only Illinois’ minimum liability requirements (25/50/20) can reduce your premium if your vehicle isn’t worth much or you’re trying to maintain legal driving status affordably.
Can I Reduce My Premium Over Time?
Yes—your driving record won’t define your premiums forever.
Tips to lower your costs over time:
- Drive clean for 3+ years: Most violations drop off your insurance rating history after 36 months.
- Avoid lapses: A break in coverage makes you appear riskier, especially if you have prior violations.
- Take a defensive driving course: Some insurers reward this with discounts.
- Re-shop regularly: As your record improves, other insurers may offer better rates.
- Choose the right car: Avoid insuring high-performance or luxury vehicles; safer, modest cars come with cheaper premiums.
With consistent safe driving and no new incidents, you’ll eventually qualify for better rates—even from mainstream carriers.
Frequently Asked Questions (FAQ)
Q: What is SR-22 insurance?
A: It’s not a policy—it’s a certificate your insurer files to prove you carry state-required auto liability coverage. SR-22 is commonly required after serious driving violations.
Q: How long do I have to keep an SR-22?
A: In Illinois, most drivers must maintain an SR-22 for three continuous years. Letting it lapse may restart your obligation and suspend your license again.
Q: Can I get insurance with a DUI on my record?
A: Yes. Many insurers will still cover you, but at a higher rate. Insure On The Spot works with drivers who have DUIs and provides SR-22 filing on the spot if needed.
Q: What if I don’t own a car but still need an SR-22?
A: You can get a non-owner SR-22 policy, which fulfills your legal obligation to carry insurance even without a vehicle.
Q: Will a bad driving record affect my rates forever?
A: No. Most violations only affect your rates for 3–5 years. Drive safely, avoid new tickets, and you’ll gradually qualify for lower premiums.
Q: Can I get dropped by my insurer after a major violation?
A: Yes. Some insurers will non-renew your policy. If this happens, high-risk specialists like Insure On The Spot can step in and get you covered quickly.
Q: How can I save money as a high-risk driver?
A: Focus on short-term savings (raise your deductible, reduce coverages, ask about discounts) and long-term recovery (clean driving record, no claims, improving credit).
Ready to Get Insured and Rebuild Your Record?
Call Insure On The Spot at 773-202-5060 or get a free quote online. We specialize in helping high-risk Illinois drivers—including those with DUIs, accidents, or license suspensions—get insured fast. With SR-22 filing available on the spot, we make the process simple and affordable. Let us help you get back behind the wheel legally and confidently.