NEW YORK (TheStreet) -- Using bad judgment when driving is not only dangerous, but can cost you thousands in insurance premiums.
When you drive recklessly, get into multiple accidents or drive under the influence of alcohol or drugs, for instance, insurance companies may consider you "high risk" and jack up your annual premiums. In some states, annual premiums and the resulting penalties aren't so bad, resulting in a few hundred dollars extra per year for bad behavior. In other states, though, premiums can more than double, depending on the offense.
A report by personal finance Web site WalletHub, ranked states based on how much they penalize high-risk drivers. WalletHub compared car insurance quotes for drivers from the five largest auto insurers, according to financial data source SNL Financial. WalletHub obtained quotes for five hypothetical customers that were identical except for driving history. Traffic violations included: driving under the influence; two accidents in the last two years; reckless driving conviction; ticket for speeding over 20 mph; and driving with a suspended license. Each state's base annual premium was assumed for the hypothetical driver with no traffic violations.
WalletHub's hypothetical driver is a single male, age 37 years, and driving a 2008 Honda Accord.
Dying to know where your state falls on the list for insurance premiums for high risk drivers? Check out the 10 states where it will cost you the most if you're a bad driver. And when you're done, see the top states where it is the cheapest, despite poor driving.
Base Annual Premium: $1,626
Maryland is the tenth most expensive state to be a poor driver in. The state is in the top third of most expensive base premiums compared to all 50 states and the District of Columbia. And being a bad driver will really pile on the cost. For instance, getting into two accidents in two years in Maryland adds $2,015 to annual premiums. Getting a DUI conviction adds $827 per year, according to WalletHub.
Base Annual Premium: $2,001
Kentucky is the ninth most expensive state to be a poor driver in. The state is in the top 10 of most expensive base premiums compared to all 50 states and the District of Columbia. And being a bad driver will really pile on the cost. For instance, getting into two accidents in two years in Kentucky adds $2,216 to a person's annual premium. Getting a DUI conviction adds $964 per year, according to WalletHub.