If you’re among those drivers considered “high risk” or have had a hard time getting insurance because you have a spotty driving record littered with tickets or at-fault accidents, you’re likely interested in finding the top 3 auto insurance companies for bad drivers.

Not all drivers with one or two speeding tickets will require a high-risk auto insurance policy, and those that do may still be able to find insurance through their state’s program in a “shared risk” insurance pool.

Assuming that you’re a bad, but not high-risk driver, what top 3 auto insurance companies are available to you? Here’s a look at three you may wish to consider.

GMAC Insurance

Let’s say you have one driving under the influence (DUI) or driving while intoxicated (DWI) arrest or conviction. You may face suspension of your license, need to pay a fine, attend a DUI education course and serve a period of probation. In some states, first-time offenders also face having their vehicle impounded, an ignition interlock device installed, and even serving jail time. GMAC Insurance can help you get your life back with affordable auto insurance coverage for first-time offenders. Get a quote by going to their website or call 1-877-811-5196.

Note that first-time DUI offenders will likely have to file an SR-22 or FR-44 Certificate of Financial Responsibility form that shows they have the proper amount of auto insurance required by their state.

Amica Mutual Insurance Company

Should your driving record during the past three years include one at-fault accident, and you are a single male driver under the age of 25 who drives your car to/from work each day, average credit rating and looking for coverage limits of 50/100/50 in Austin, Texas 77473, Amica Mutual Insurance Company may be one of the top 3 auto insurance companies for bad drivers you’d want to consider. While this is just one example using the Lone Star State, the fact is that Amica is rated A++ by A.M. Best. If Amica does decide to insure you, you can be assured that you will have quality coverage, excellent service and the best rates available to you in your particular situation. Contact Amica by phone at 1-800-242-6422.

Allstate Fire and Casualty Insurance Company

Using the same scenario as above, another top auto insurance company for bad drivers is Allstate Fire and Casualty Insurance Company. Allstate has an A.M. Best rating of A+. To get a quote from Allstate to see if it works for you, no matter what state you live in, go to their website or give them a call at 1-866-621-6900.

Best Way to Get Auto Insurance if You’re a Bad Driver

It’s worth keeping in mind that being a proactive driver and improving on your driving behavior will be beneficial to you in the long run. If you are a bad driver, require an SR-22 for several years, you’ll likely face some higher auto insurance premiums than you’d like for quite some time. But the best thing you can do is to maintain a good driving record in the months and years following your tickets, DUI arrest or at-fault accidents that put you in the bad driver category.

If you already have insurance for several years with your current insurer, you may have some advantage. Some insurers won’t cover really bad drivers, or those who are considered high-risk drivers, so you do need to shop around to find one that will handle your auto insurance requirements. Remember that, if all else fails and no auto insurance company will provide you coverage, check out your state’s high-risk shared risk program.

For more tips on car insurance, visit our section on car insurance where you can get additional tips or if you would like to compare auto insurance quotes from multiple carriers.

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