State Farm and Progressive have the most affordable auto insurance rates for high-risk drivers with a poor driving record. The lower your credit score, the higher your car insurance rates will be, so drivers with bad credit should take the time to look for affordable options. Insurance companies charge higher rates to drivers who expect them to cost more by paying for insurance, either for damage caused to other motorists for whom they are responsible or to pay for repairs or replacement of the vehicle as a result of a collision insurance claim. USAA has the lowest average cost of car insurance in Springfield, Missouri, even for drivers with bad credit, although it is only available to drivers affiliated with the U.
Depending on the models that insurance companies use to set rates, drivers who have car accidents and previous violations on their records are more likely to have future accidents. Since rates also vary significantly depending on the incident, the best way for high-risk drivers to get the lowest car insurance rates is to get a free online insurance quote to compare rates from several insurance companies. The best way for bad drivers to save on car insurance is to get free car insurance quotes from several companies.