Bad credit doesn't have to mean sky-high car insurance bills.
In 2026, drivers with poor credit pay 70–120% more on average — but smart shoppers save big by picking the right companies.
Here are the best & cheapest options right now (based on latest 2026 quotes & reviews):
Top Picks for Bad Credit Drivers (2026 Averages):
- Nationwide – Often the cheapest overall
- Why: Up to 28–29% below average for poor credit. Pay-per-mile + bundling discounts rock.
- Monthly full coverage estimate: $164–$200
- Best for: Everyday drivers wanting big savings.
- Geico – Super affordable & easy online
- Lowest rates in many states; quick quotes, military/multi-policy perks.
- Monthly minimum: $67–$90 | Full: $195–$240
- Best for: Budget hunters.
- Travelers – Strong for high-risk profiles
- Competitive even with credit issues; great service.
- Monthly full coverage: $236–$239
- Best for: Reliable coverage without drama.
- USAA (military/vets/family only) – Elite low rates
- Often beats everyone if you qualify.
- Monthly estimate: $227–$233
5 Fast Ways to Cut Costs (Even with Bad Credit):
- Shop around – Compare 3–5 quotes (huge differences!).
- Bundle home + auto → 10–25% off.
- Raise deductible to $1,000 → save 10–30%.
- Defensive driving course → instant discount in most states.
- Usage-based programs (like Progressive Snapshot) → rewards safe driving.
Pro Tip: In states like CA, HI, MA — credit barely matters. Focus on driving record!
Don't overpay anymore.
Get free quotes now and see how much you can save in minutes!