10 States to Avoid if You Have Poor Driving Skills

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.

10.Maryland
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.

9. Kentucky
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.


8. Rhode Island
Base Annual Premium: $2,554

Rhode Island is the eighth 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 Rhode Island adds $2,721 to a person's annual premium. Being caught for reckless driving adds $749 per year, according to WalletHub.

7. New York
Base Annual Premium: $2,759

New York is the seventh 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 caught for reckless driving adds $983 to a person's annual premium. Getting a DUI conviction adds $1,359 per year, according to WalletHub.


6. New Jersey
Base Annual Premium: $2,722

New Jersey is the sixth 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, driving with a suspended license adds $1,537 to a person's annual premium. Getting into two accidents in two years adds $2,130 per year, according to WalletHub.

5. Illinois
Base Annual Premium: $1,507

Illinois is the fifth most expensive state to be a poor driver in. The state is in the top 20 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, driving with a suspended license adds $1,129 to a person's annual premium. Getting into two accidents in two years adds $1,924 per year, according to WalletHub.


4. Connecticut
Base Annual Premium: $1,535

Connecticut is the fourth most expensive state to be a poor driver in. The state is in the top 20 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, driving with a suspended license adds $1,328 to a person's annual premium. Getting into two accidents in two years adds $2,260 per year, while getting a DUI conviction adds $1,537 a year, according to WalletHub.

3. Michigan
Base Annual Premium: $6,242

Michigan is the third most expensive state to be a poor driver in. Its annual base premium is already the most expensive in the country, so getting any infractions will bump the insurance bill significantly. For instance, getting into two accidents in two years adds a whopping $4,253 a year, the most in any state. Other infractions aren't quite as steep. Getting convicted for a DUI adds $547 per year, while being caught for reckless driving adds $778 per year, according to WalletHub.


2. California
Base Annual Premium: $1,700

California is the second most expensive state to be a poor driver in. The state is in the top quarter 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 adds a cool $2,865 a year to a driver's premium. Getting convicted for a DUI adds $1,752 per year, while being caught for reckless driving adds $959 per year, according to WalletHub.

 

1. Louisiana
Base Annual Premium: $3,147

Louisiana is the most expensive state to be a poor driver in. Its annual base premium is the second highest in the country behind Michigan. And being a bad driver will really pile on the cost. Getting into two accidents in a year adds $2,953 a year to a driver's premium, while getting convicted for a DUI adds $1,946 per year. Being caught for reckless driving adds $1,427 a year, while driving with a suspended license adds $1,393 per year, according to WalletHub.

 

 

 

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