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If you have a bad driving record, it can affect the cost of your car insurance premiums. Insurance companies assess the risk of insuring you based on a number of factors, including your driving record, and they may charge you higher rates if you have a history of traffic violations, accidents, or claims.

To help reduce the cost of car insurance if you have a bad driving record, there are a few things you can do:

  1. Shop around: Compare quotes from multiple insurance companies to find the best rate.
  2. Consider a high-deductible policy: If you’re comfortable paying more out of pocket in the event of an accident, a high-deductible policy may be a more affordable option.
  3. Take a defensive driving course: Taking a defensive driving course can demonstrate to insurance companies that you’re committed to improving your driving skills and reducing the risk of accidents.
  4. Work with a broker: A broker can help you compare quotes from multiple insurance companies and find the best option for your specific needs.
  5. Drive a safe, reliable car: Driving a car with a good safety record and a low risk of theft can help lower your insurance rates.

It’s important to keep in mind that while having a bad driving record may increase the cost of your car insurance, having insurance is still required by law. By taking steps to reduce your risk as a driver and shopping around for the best rate, you can help ensure you have the coverage you need at an affordable price.

What Defines a Bad Driving Record?

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A bad driving record is a record of driving incidents that can include traffic violations, accidents, and other driving-related incidents. Some examples of incidents that can contribute to a bad driving record include speeding, reckless driving, driving under the influence of drugs or alcohol, hit-and-run accidents, and driving without insurance. These incidents can result in fines, points being added to your license, and even suspension or revocation of your driver’s license. Insurance companies use this information to assess the level of risk associated with insuring a driver, and those with a bad driving record may face higher insurance premiums.

How Can I Lower My Car Insurance Premium after an Accident?

If you have been in an accident, your car insurance premium may increase. However, there are a few steps you can take to help lower the premium:

  1. Shop Around: Obtain quotes from different insurance companies to compare rates and coverage options. Some companies may offer lower rates for drivers with accidents on their record.
  2. Take a Safe Driving Course: Many insurance companies offer discounts for drivers who complete a safe driving course.
  3. Improve Your Credit Score: A good credit score can help lower your car insurance premium, so work on improving your credit score if necessary.
  4. Consider a Higher Deductible: Raising your deductible can lower your monthly premium, but make sure you have enough money saved in case you need to make a claim.
  5. Review Your Coverage: Make sure you have the appropriate amount and type of coverage. Dropping optional coverages, such as collision or comprehensive coverage, can lower your premium.
  6. Bundle Policies: Some insurance companies offer discounts for bundling multiple policies, such as car insurance and home insurance.

It’s important to keep in mind that car insurance rates can vary greatly based on factors such as your location, driving history, and type of vehicle, so it’s always best to compare quotes from multiple insurance companies to find the best rate for you.

How Much Can a Bad Driving Record Affect My Insurance?

A bad driving record can significantly impact your car insurance premium. Factors such as traffic violations, accidents, and driving under the influence of drugs or alcohol can all contribute to a bad driving record. The severity and frequency of these incidents will determine how much your insurance premium increases. Generally, insurance companies consider a driver with a bad record to be a higher risk and therefore will charge higher premiums to compensate for that risk. The amount of the increase can vary depending on the specific circumstances, but it can be substantial. It’s always a good idea to compare quotes from multiple insurance companies to see if you can find a better rate, even if you have a bad driving record.

What Is Insurance from the Facility Association?

The Facility Association is a not-for-profit organization that provides insurance coverage to high-risk drivers in certain Canadian provinces. It acts as a last resort for drivers who have been unable to secure car insurance through traditional insurance companies due to their driving history or other factors. If a driver is unable to find coverage through regular insurance providers, the Facility Association may provide coverage for their car, usually at a higher premium rate than what would be available from traditional insurance companies. This coverage is intended to ensure that all drivers have access to some form of insurance, even if they have a less-than-perfect driving record.

How Long Before An Accident Is Removed From Your Record?


In Ontario, the length of time that an accident will stay on your driving record varies depending on the type of incident and the insurance company. However, minor accidents, such as a fender-bender or a single-vehicle collision, can remain on your record for anywhere from 3 to 6 years. More serious accidents, such as a DUI or reckless driving conviction, can remain on your record for 10 years or longer.

It’s important to keep in mind that accidents and traffic violations can impact your insurance premium even after they’re no longer on your driving record. Insurance companies use many different factors to determine your premium, including your driving history, vehicle type, location, and more, so it’s best to speak with an insurance representative for a more accurate estimate of how an accident will affect your premium.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.