Your Poor Driving Skills Won't Cost You Much at These 10 States

NEW YORK (TheStreet) -- Good drivers, rejoice! You save a ton of money on your car insurance premiums just by not doing boneheaded things like getting a DWI.

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 least, even if you're a bad driver. And when you're done, see the top states where it is the most expensive to be a poor driver.

 

 

10.Vermont
Base Annual Premium: $852

Vermont is the tenth least expensive state to be a poor driver in. The state has the third least expensive base premium compared to all 50 states and the District of Columbia. And being a bad driver won't all that much to the tally. For instance, getting into two accidents in two years in Vermont adds $832 (compared to $4,253 in Michigan, the most of any state) to a person's annual premium. Getting a DUI conviction adds $568 per year, according to WalletHub.

 

 

9. Wyoming
Base Annual Premium: $953

Wyoming is the ninth least expensive state to be a poor driver in. The state is in the top 10 least expensive base premiums compared to all 50 states and the District of Columbia. And being a bad driver won't all that much to the tally. For instance, getting into two accidents in two years in Wyoming adds $738 (compared to $4,253 in Michigan, the most of any state) to a person's annual premium. Getting a DUI conviction adds $498 per year, according to WalletHub.

 

8. South Dakota
Base Annual Premium: $1,046

Wyoming is the eighth least expensive state to be a poor driver in. The state is in the top third of least expensive base premiums compared to all 50 states and the District of Columbia. And being a bad driver won't all that much to the tally. For instance, getting into two accidents in two years in South Dakota adds $938 (compared to $4,253 in Michigan, the most of any state) to a person's annual premium. Getting a DUI conviction adds $283 per year (the least of any state), according to WalletHub.



7. Maine
Base Annual Premium: $893

Maine is the seventh least expensive state to be a poor driver in. The state has the fourth least expensive base premium compared to all 50 states and the District of Columbia. And being a bad driver won't all that much to the tally. For instance, getting into two accidents in two years in Maine adds $859 (compared to $4,253 in Michigan, the most of any state) to a person's annual premium. Getting a DUI conviction adds $500 per year, according to WalletHub.

 

6. Kansas
Base Annual Premium: $964

Kansas is the sixth least expensive state to be a poor driver in. The state has seventh least expensive base premium compared to all 50 states and the District of Columbia. And being a bad driver won't all that much to the tally. For instance, reckless driving in Kansas adds $241 to a person's annual premium. Getting a DUI conviction adds $443 per year, according to WalletHub.



5. Iowa
Base Annual Premium: $715

Iowa is the fifth least expensive state to be a poor driver in. The state has the least expensive base premium compared to all 50 states and the District of Columbia. And being a bad driver won't all that much to the tally. For instance, getting into two accidents in two years in Iowa adds $519 (the least in any state compared to $4,253 in Michigan, the most of any state). Getting a DUI conviction adds $429 per year, according to WalletHub.

 

4.Utah
Base Annual Premium: $1,041

Utah is the fourth least expensive state to be a poor driver in. The state is in the top third of least expensive base premiums compared to all 50 states and the District of Columbia. And being a bad driver won't all that much to the tally. For instance, getting into two accidents in two years in Utah adds $862 (compared to $4,253 in Michigan). Getting a DUI conviction adds $410 per year, according to WalletHub.

3. North Dakota
Base Annual Premium: $991

North Dakota is the third least expensive state to be a poor driver in. The state is the ninth least expensive base premium compared to all 50 states and the District of Columbia. And being a bad driver won't all that much to the tally. For instance, getting into two accidents in two years in North Dakota adds $728 (compared to $4,253 in Michigan). Getting a DUI conviction adds $330 per year, while driving with a suspended license adds $216 per year, according to WalletHub.

 

 

2. Montana
Base Annual Premium: $1,039

Montana is the second least expensive state to be a poor driver in. The state is in the top third of least expensive base premiums compared to all 50 states and the District of Columbia. And being a bad driver won't all that much to the tally. For instance, getting into two accidents in two years in Montana adds $849 (compared to $4,253 in Michigan). Getting a DUI conviction adds $406 per year, while driving with a suspended license adds $193 per year, according to WalletHub.

 

1. Idaho
Base Annual Premium: $733

Idaho is the second least expensive state to be a poor driver in. The state is the second least expensive base premiums compared to all 50 states and the District of Columbia. And being a bad driver won't all that much to the tally. For instance, getting into two accidents in two years in Idaho adds $633 (compared to $4,253 in Michigan). Getting a DUI conviction adds $314 per year, while driving with a suspended license adds $344 per year, according to WalletHub.

 

 

 

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