If you’ve received too many tickets, been arrested for DUI, or are young, you may be considered a bad driver and have trouble finding auto insurance. Bad drivers are classified as a different driver type for auto insurance and insurance for different driver types can get complicated.Most states require liability insurance, and if caught driving uninsured, you may have to pay fines and reinstatement fees to restore driving privileges.Defensive driving courses and repairing your credit can lower your bad driving record auto insurance rates.Speeding tickets, accidents, and bad credit all affect your “driver” status.Bad drivers usually pay more for car insurance, and they are labeled “high-risk”.