Is bad driver car insurance a lot more expensive than for people with clean driving record?

Yes, bad driver car insurance is significantly more expensive than insurance for drivers with clean records. Insurance companies assess risk, and a history of accidents, tickets (especially for serious offenses like DUIs), or other driving infractions indicates a higher likelihood of future claims. To compensate for this increased risk, they charge substantially higher premiums. The difference can be hundreds, or even thousands, of dollars per year.