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High Risk Car Insurance - Best Car Insurance for High-Risk Drivers

High risk auto insurance coverage is meant for drivers who are deemed by their insurance provider to be more of a financial risk than the average driver.

It does not mean they are necessarily bad drivers; it instead means they are more expensive to insure due to their driving record, which typically contains violations ranging from speeding tickets, DUI convictions, at-fault accidents, and many others.

Getting car insurance coverage as a high-risk driver can be difficult, but it certainly isn’t impossible.

What is High Risk Car Insurance?

High risk auto insurance, also known as non-standard insurance, is a special type of insurance coverage meant for drivers who have a sub-par driving history.

This type of high risk auto insurance is typically reserved for those who have severe violations like DUIs and at-fault accidents, among many other inflictions.

These drivers are considered high risk due to their probability of getting into an accident being higher than other drivers. Not every auto insurance provider offers high risk car insurance, but it is still obtainable.


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Do You Need High Risk Car Insurance Coverage?

There are a couple of reasons you need to get a high risk car insurance policy. Sometimes it is not just your driving record that will lead you to purchase this type of auto insurance policy.

Auto insurance companies typically look at three different types of methodology to consider your high risk insurance status:

The number of infractions on drivers records

If you are continuously racking up driving violations, especially DUI convictions, you will be considered high risk when it comes to auto insurance companies.

Sometimes, one traffic violation, if serious, will be enough for you to need high risk car insurance.

Drivers Experience level

The younger of a driver you are, the more high risk insurance companies will perceive you to be. This is due to the fact that you do not have much driving experience under your belt.

There is also nothing to show for how good or bad of a driver you will be. Due to this, auto insurance providers can consider teens or young drivers to be high-risk drivers.

Poor credit score

Drives with a poor credit score tend to get put in the high risk category. This is due to the fact that drivers with poor credit may make more insurance claims than other drivers.

Auto insurance companies can sometimes judge you immediately upon looking at your credit score. Having numerous unpaid loans or bad credit will make an insurance company look at you unfavorably. How financially responsible a consumer you are by analyzing your credit score is very important to your insurer when pricing coverage rates.

What Factors Determine If a Driver Needs High-Risk Car Insurance?

A couple of different factors go into determining your auto insurance risk level. The main thing insurance companies tend to look at is your driving record. This will tell them if you are a smart and safe driver or not.

But some other factors of your driving and personal circumstances will go into your insurance risk level. Outlined below are a few of the various factors your insurance company will consider when looking at your auto insurance risk.

High Risk Car Insurance Factors: Driving Record

Your driving record is the number one thing that will come under fire when you are looking for insurance. Your driving history what tells your insurance provider if you are at high risk of getting into an accident or not.

Multiple violations on your record will result in you needing high risk auto insurance.

Some things your insurance provider will take into consideration include:


Having a DUI on your driving record will almost certainly raise your insurance coverage rates. DUI Violations are a serious offense and you will most certainly be labeled a high risk driver if you receive any type of DUI violation.



Reckless driving

At-fault accidents

Depending on the violation you are convicted of, having one of the aforementioned infractions on your record will usually not immediately make you a high-risk driver.

You may not feel the effects of a speeding ticket or parking ticket right away, but something like a DUI or DWI conviction can hit your record pretty quickly.

DUI offenses are considered very serious violations by insurance companies. However, if you collect multiple smaller violations, especially in a short period of time, you will be considered a high risk driver.

Factors of High Risk Car Insurance: Zip Code

Where you live can easily make insurance providers leery of providing you with standard car insurance coverage. Something as specific as your zip code may deem you high risk.

This is due to some places having higher crime rates than others. Population density may also play a role as more people in the area means more vehicles and thus more car accidents and damages to vehicles.

Your zip code will impact your insurance premium terms, sometimes regardless of your driving record. Do not look over this when shopping for coverage.

Factors of High-Risk Car Insurance: Vehicle Usage

How you use your vehicle will influence insurance coverage rates. Using your vehicle for things like ridesharing or commercial ventures may exempt you from coverage.

High risk insurance usually does not extend to vehicles for commercial purposes. The more you drive can also put you at a higher risk for accidents, making your insurance provider consider you an at-risk driver.

Factors of High-Risk Auto Insurance: Insurance History

Gaps in your insurance history may be a red flag for your provider. It is important to keep your insurance coverage consistent so you have a sufficient insurance history. Failure to do so may result in your insurance company considering you to be financially irresponsible.

Those who maintain high coverage for a good amount of time are less likely to be considered high-risk.

Factors of High Risk Car Insurance: Vehicle Type

What kind of vehicle you drive can certainly deem you more high risk than others. Car Safety and drivers who exercise caution on the road is important to insurers. If you drive high-performance vehicles or sports cars, for example. Along with this, using an automobile that can be used for off-roading or reaching higher speeds can make finding insurance coverage tricky.

Factors of High Risk Auto Insurance: Drivers Age

Age is one of the major factors in how much of a risk an insurance company perceives you to be.

Drivers under the age of 25 are generally considered to be high risk. This is due to their lack of experience behind the wheel. They also do not have much of a driving record, meaning insurers have a hard time judging how smart of a driver they will be. Having good grades in school might make you eligible for a Good Student Discount.

On the other hand, the older you get, the more of an insurance risk you will be. Once you hit 65 years old, premiums will go up.


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Car Insurance Costs for High-Risk Drivers

Naturally, high-risk insurance coverage comes with increased premiums. On average, drivers who need a high-risk auto insurance policy, according to Motor1, pay up to 84% more than drivers who are not considered to be high risk.

The cost increase in insurance premiums depends on the type of infraction and the number of them on a driver’s record.

For example, if you have a DUI conviction, your insurance coverage rates will most likely double. However, for something like multiple speeding tickets, your insurance rates could increase by 35%.

How to Lower Your High Risk Auto Insurance Premiums

Since high-risk insurance coverage can get pricey, it may be helpful to take some steps to lower your premiums. Some of these suggestions are instant, while others naturally help reduce rates over time.

You can lower your high risk insurance premiums by paying attention to the following factors:

Take a defensive driving course

A number of insurance providers will offer discounts to high-risk drivers if they take an approved driver safety course or a defensive driving course. A defensive driving course will help keep you sharp and remind you of the steps you need to take to be a smart, safe driver.

A safety course can also help you remove “points” from your driving record. All of these help with your insurability risk.

Be a mindful driver

The best way to reduce your risk level is by being a mindful driver and not receiving any more traffic violations or getting into a car accident. Let time run its course.

Generally, after three years, if you go without any traffic violations, stay accident, collision or claim free, you may see your insurance rates begin to decrease. It all really depends on the violations you have acquired and how your provider judges them.

Improve your credit score

Taking time to improve your poor credit score can be difficult but will be worth it. Your credit score will most likely be on of the factors taken into consideration, and a poor credit score will result in you being considered high risk.

Whether or not your credit score will be used when calculating your car insurance quote is determined by state law. Some states have newer regulations in place that restrict auto insurance companies from using credit as a means of determining auto insurance rates. Regardless of the state you are in you should try improving your credit to get better rates.

For this reason, it would be worth it to try to improve your credit score by paying bills and loans on time and being mindful of your finances.


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Shopping For High Risk Auto Insurance Policies

It can be tricky trying to get non-standard car insurance coverage. Many providers may not offer it, while the ones that do can be hard to deal with.

Consider the following factors when you are shopping for high risk insurance:

Auto Insurance coverage Quality

It is important that you understand the quality of the coverage you are getting. You should know exactly what is and isn’t covered with your policy.

High-risk auto insurance typically has high coverage, but you still need to know the full terms of the policy. If you don’t, you could end up being underinsured in the event of a claim.

Know your driving history

Do not go into insurance shopping blind. Understand your driving history and be upfront about any violation or accident you may have on your driver's license abstract. You cannot hide an accident or violation; your insurer will learn about them by checking your license.

Stick to your budget

Keep your budget in mind. It is arguably one of the most important factors to consider when starting to shop for auto insurance of any kind.

If you cannot afford coverage, you will struggle to pay for it, thus leading to lapses. This can only spiral further.

Don’t settle for just any insurance company

Make sure you are signing with a company that you feel respects you and will put your insurance needs first.

Not every auto insurance provider has good customer service. You need to make sure you are looking into their history and reputation before purchasing a policy.

Get a High-Risk Auto Insurance Quote Today

Looking for a high risk insurance policy? Call us today to get a free cheap car insurance quote. Make sure you let us know your zip code, your driving history, and information on your vehicle(s). By providing us with all this, we can get a better idea of the coverage you need.

With Insurance Navy™, you can get a quote either at one of our many locations or online via our website and mobile app. You can also start your quote over the phone. Our highly trained customer service agents are available 24/7 to answer all of your frequently asked questions or FAQs. Get car insurance coverage today and drive worry-free tomorrow.

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Car Insurance for High Risk Drivers may not be available in every state, please call one of our insurance agents for more information. *