Car Insurance With Multiple Tickets or Accidents
As Low As $39/month
Drivers We Insure
- Several speeding or red light tickets
- One or more at-fault accidents
- Points on your California driving record
- A mix of tickets and accidents
- A DUI or reckless driving on top of tickets
- Drivers the DMV has warned about points
How Much Is Car Insurance With Tickets or Accidents?
Car insurance with tickets or accidents starts as low as $39 a month for liability. Prices vary with how many violations you have, how recent they are, your car and your ZIP code.
In California most tickets and at-fault accidents affect your rate for about three years. Each year that passes clean helps. We work with dozens of insurance companies and shop them all for your record.
How Points Work in California
Most moving violations add 1 point to your record. An at-fault accident adds 1 point. A DUI, reckless driving or hit-and-run adds 2.
The DMV can suspend a license with 4 points in 12 months, 6 points in 24 months or 8 points in 36 months.
If your license is suspended and the DMV asks for an SR-22, we file it the same day and your certificate is instant. See SR-22 insurance.
How to Bring Your Rate Down
- Keep your coverage active with no gaps
- Avoid new tickets and accidents
- Ask about traffic school for an eligible ticket
- Ask us to shop your policy again at renewal as old violations drop off
Tickets and Accidents Questions and Answers
Where can I get car insurance with multiple tickets?
Right here. We have a market for every kind of driver, including drivers with several tickets. We can get you a quote.
Can I get car insurance with 2 or 3 at-fault accidents?
Yes. We work with insurance companies that accept drivers with accidents on their record.
How many points before insurance won’t cover me?
There is no set number. Many companies turn drivers away after a few points, but we work with companies that accept drivers with more.
How long do tickets affect my insurance in California?
Usually about three years for most tickets and at-fault accidents. A DUI stays on your driving record for ten years.
How much is car insurance with tickets and accidents?
Liability starts as low as $39 a month. Prices vary with your record, your car and your ZIP code.
Do I need an SR-22 for tickets?
Not usually. You need one only if a court or the DMV orders it, for example after a suspension. If you do, we file it the same day.
Can traffic school keep a ticket off my insurance?
For an eligible ticket, completing traffic school can keep the point from showing to insurance companies. Ask the court if your ticket qualifies.
Will my insurance go up after one ticket?
It can, depending on the company and the ticket. Shopping several companies is the best way to find a lower rate.
I was dropped for too many tickets. Can you insure me?
Yes. See our page on car insurance after being dropped, or send the quote form.
Can I get full coverage with tickets and accidents?
Yes, in most cases. Liability only is usually the cheapest option.
How do I get a quote?
Send the form on this page or call (800) 726-0640. The quote is free.
Why MIS Insurance
MIS Insurance Services has helped hard-to-insure drivers since 2009. We work with dozens of insurance companies, so one quote shops them all for you. Our agents speak Spanish. Rated 4.9 out of 5 from 3,100+ Google reviews.
Call (800) 726-0640 or use the quote form at the top of this page.
More for drivers other companies turn away: Foreign License Car Insurance, No License Car Insurance, Insurance After Being Dropped, Teen Driver Insurance, high-risk auto insurance, SR-22 insurance and non-owner SR-22.