However, that doesn’t mean you’re out of options. If you live in Annapolis, MD., Frederick, MD., or anywhere in the DC metro area, there are ways to secure coverage at a reasonable rate. 

Here’s what you need to know about getting car insurance with a less-than-perfect driving record.

Understand How Your Driving Record Affects Your Rates. Insurance companies determine rates based on risk. If your record includes traffic violations, at-fault accidents, or DUI offenses, insurers may charge higher premiums to offset the perceived risk. In some cases, certain providers may even refuse coverage. However, not all insurance companies assess risk the same way. Some specialize in high-risk drivers and offer more flexible options.

Check Your Driving Record. Before shopping for car insurance, request a copy of your driving record from the Maryland Department of Transportation (MDOT). This will help you understand what insurers see when they assess your application. Some infractions may drop off after a certain period, so knowing your record can give you a better idea of what rates to expect.

Look for High-Risk Insurance Providers. If traditional insurance companies in Annapolis or Frederick are offering you high premiums, consider working with insurers that specialize in high-risk drivers. These companies understand that drivers can improve over time and may offer policies with lower premiums if you maintain a clean record moving forward.

Consider a State-Assisted Plan. Maryland has a program called the Maryland Automobile Insurance Fund (MAIF), which helps high-risk drivers who are unable to obtain coverage through standard insurance providers. If you’ve been denied coverage multiple times, MAIF could be an option for securing legal car insurance. However, these policies often come with higher premiums, so it’s best to explore all alternatives first.

Take a Defensive Driving Course. Many insurance companies offer discounts to drivers who complete a defensive driving course. If you have points on your record, taking a state-approved course can show insurers that you’re committed to improving your driving skills. Some providers may even remove points from your record, which could help lower your rates over time.

Opt for a Higher Deductible. One way to lower your car insurance premium is by choosing a higher deductible. The deductible is the amount you pay out of pocket before your insurance kicks in. While this means you’ll pay more in the event of an accident, it can significantly lower your monthly premiums.

Bundle Your Insurance Policies. If you have other types of insurance, such as homeowners or renters insurance, bundling them with your car insurance can lead to discounts. Many insurers in the DC metro area offer significant savings when you combine multiple policies under one provider.

Improve Your Credit Score. In Maryland, insurance companies can use your credit score as a factor when determining your premium. A higher credit score signals financial responsibility, which can lead to better insurance rates. If your credit score is low, work on improving it by paying bills on time and reducing outstanding debt.

Drive Safely Moving Forward. The best way to lower your car insurance rates in the long run is to maintain a clean driving record. Avoid speeding, reckless driving, and other infractions. Many insurers offer discounts for drivers who remain accident-free for a certain period.

Insurance rates vary between providers, so it’s essential to compare multiple quotes. Working with an independent insurance agency like Lindquist Insurance can save you time and money. We work with multiple insurance providers in Annapolis, Frederick, and the surrounding DMV area to find the best rates for high-risk drivers.

Finding affordable car insurance with a poor driving record doesn’t have to be overwhelming. At Lindquist Insurance, we specialize in helping drivers in Annapolis, Frederick, and the DC metro area secure the best possible coverage, no matter their driving history. Contact us today for a free consultation and let us help you get back on the road with confidence!

*** Visit the Maryland DMV website for more information.