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What Is High-Risk Auto Insurance? 

It’s well known that insurance companies assess a variety of risk factors when determining policy rates for drivers. Some drivers who have multiple risk factors may end up having higher rates as a result. If you’re curious about how your driving record and other factors can influence your policy, it’s helpful to explore the basics of car insurance for high-risk drivers. Understanding your own risk level can help you find the right coverage and ways to potentially lower your rates in the future. 

What Is a High-Risk Car Insurance Policy? 

High-risk car insurance is a blanket term that describes insurance policies for drivers insurance companies think are more likely to get into an accident or make a claim. A high-risk policy will provide you with the same coverage as other policies, but you’ll pay a higher premium because of your perceived increased likelihood of making a claim. Insurers may not have a specific policy for high-risk drivers and may instead consider all your risk factors as a whole. 

Who Needs High-Risk Auto Insurance? A Look into the Criteria 

People who have significant violations on their driving records are the typical candidates for high-risk auto insurance. However, multiple factors influence your risk level as a driver and insurance policyholder. Car insurance companies typically look at your different characteristics and calculate your premium costs. There isn’t a specific cutoff that defines someone as a high-risk driver. 

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What Makes You a High-Risk Driver? Exploring the Factors 

Understanding the characteristics of a high-risk driver can help you determine your potential risk level. Here are some of the main factors: 

  • Being at fault in previous car accidents: If you’ve been at fault in an accident, insurance companies may view you as a more risky driver. They may also anticipate that you’re more likely to cause accidents in the future. 
  • Having a DUI or a DWI: Driving under the influence is a well-known risk factor for causing serious accidents. If you have a DUI or a DWI, you’re likely going to be categorized as a high-risk driver. 
  • Having multiple driving violations: If you have any other driving violations, such as reckless driving or speeding, your insurer may determine you’re at a higher risk of getting into accidents and making claims. 
  • Having an extensive history of insurance claims: If you’ve made multiple claims with your insurance company, your insurer may flag you as more likely to make claims in the future. 
  • Being a new driver: Young or new drivers have less experience on the road, increasing their risk of getting into accidents. 

The car you drive, the area you live in, and even your credit score can also influence your risk level. Considering all of these factors can help you decrease your risk level as a policyholder. 

High-Risk Car Insurance: Exploring Your Coverage Options 

If you’re a high-risk driver, you can still get insurance. It’s important to shop around for insurers that provide good coverage at affordable prices.  

Look for the average insurance costs in your area and explore affordable options local to you, whether you want basic liability or full-coverage insurance. You may also want to look for companies that offer features such as accident forgiveness to help you keep your risk level as low as possible. 

Even if you’re designated a high-risk driver, there are ways to keep your premiums low. Here are a few ideas to potentially lower the price of your insurance: 

  • If you get a ticket or a driving violation, take a defensive driving course. 
  • Be mindful of traffic laws and follow the speed limit to maintain a good driving record. 
  • Pick a vehicle that has up-to-date safety features. 
  • If you have a DUI or DWI, follow all legal requirements from your court order. 

Do You Need SR-22 Insurance ? 

All drivers are required to get their state’s minimum liability insurance. Previous legal issues related to driving can kick a driver into another category. These drivers have to file a form known as an SR-22 that confirms their insurance status. Not all high-risk drivers have SR-22 insurance, but all drivers with SR-22 insurance are considered high-risk. Following all the steps to get your SR-22 removed from your record can help you reduce your risk level. 

High-Risk Auto Insurance with SR-22 Adviser 

Even if you’re a high-risk driver, you can still get quality car insurance. The SR-22 Adviser team specializes in helping high-risk drivers secure the insurance they need. Reach out for a quote today from our partner. 

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