Frequent accidents, DUI, DWI, multiple reckless driving, or speeding tickets can all land a driver in a situation where their only option is “non-standard” or “high-risk” auto insurance. While many companies do not offer coverage to people whose record makes them a poor risk, there are companies that will. If you have lost your license, have been convicted of a DUI or DWI, high-risk car insurance from reliable companies is available here. Auto insurance for high-risk drivers through ConsumerCoverage, helping everyone to Get Covered!
Everyone makes mistakes, and unfortunately, sometimes those mistakes are expensive. Needing high-risk auto insurance is an example of how errors in judgment can come back and bite you in the bank account.
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SR-22 auto insurance is a certificate of financial responsibility for drivers whose licenses have been suspended because of a more serious offense like a DWI/DUI or operating a vehicle on a suspended license and being in an accident.
High risk car insurance is for anyone that an insurance provider classifies as a risky driver, which means they’re more expensive to insure. This can be caused by anything from your driving history to your age. It means the insurance company believes someone is more likely to file claims or have claims filed against them, so they charge higher premiums as a result.
There’s no difference in the coverage between high risk car insurance and traditional car insurance; the only difference is that the driver is considered risky by insurance companies.
Not all insurance providers offer high risk car insurance, so you might have to do some shopping around to find the right provider and plan for you. Here’s everything you should know before you start looking for coverage.
As mentioned, high-risk drivers are drivers who do not have good driving records—but the classification can extend beyond your behavior on the road.
You may be considered a high-risk driver and require high-risk driver auto insurance if:
Unfortunately, there’s no easy answer to this question. It really depends on your unique situation and why you were classified as a high risk driver. It can be especially confusing because each insurance provider has their own formula for determining risk (even more reason to shop around for coverage).
For example, a DUI can stay on your driving record for anywhere from 3-10 years, depending on where you live, while a speeding ticket can stay on your record for 3-5 years. During that time, it’s critical that you maintain a clean driving record and avoid filing claims in order to see your premiums start to lower once the infraction drops off your record.
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If you’ve been classified as a high risk driver, you’re unfortunately stuck with higher premiums until you can change your classification. As a high risk driver, you can expect to shell out 30-60% more on car insurance.
Of course, this varies greatly depending on the cause of your high risk status; if you’re just a teenage driver, you might only pay a little bit more for car insurance versus someone that has a recent DUI on record.
But here’s the good news: just because you’re classified as a high risk driver now, doesn’t mean you’ll always be one. By maintaining a clean driving record, taking a defensive driving course, and taking other steps to avoid being classified as a high risk driver will help you see your premiums drop eventually.
Plus, there are always savings to be found, even for high-risk driver auto insurance. Here are some tips to save you money, even with the higher premiums:
Remember, you’re never stuck with the first quote you get. Shop around to find the perfect balance between coverage and cost before deciding on a policy.
Not all auto insurance providers offer high-risk car insurance. Getting the most affordable high-risk auto insurance starts with getting the best quote. That’s why we’ve curated a list of the top providers of auto insurance for high-risk drivers.
We then match you with the best insurer for your unique situation, so you can get the most affordable high-risk auto insurance possible.
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Though many insurance companies will not cover drivers they deem as high risk, several reputable companies will do just that.
ConsumerCoverage whose service is free can provide car insurance quotes for high-risk drivers. Keep in mind that insurance coverage of this type will not be inexpensive. We put the power of choice in your hands!
High risk auto insurance isn’t just car insurance for bad drivers. There are a number of factors that can cause you to be considered a financial risk for insurance providers, but by driving safely and taking steps to reduce your risk, you can eventually see your rates drop down to normal.
When it comes to high risk car insurance, you have options. Take your time in choosing the right coverage for you; never go with the first quote you receive, because every insurance provider calculates premiums differently. High risk car insurance can be harder to find, but it’s out there and savings are available, as long as you’re willing to look.
Because high-risk drivers are more likely to get into accidents or have driving infractions. In general, these sorts of drivers are considered less responsible and more likely to make mistakes that will cost the insurance company money. As a result, high-risk drivers pay higher premiums.
Drivers with one or more serious violations, drivers with poor credit records, young or older drivers and drivers who have a lapse in insurance are among those considered high-risk drivers.
In a few years, usually three to five, depending on the insurer and what caused you to be classified as a high-risk driver.
Hollay Ghadery Hollay Ghadery is a writer and editor who is passionate about financial literacy as a means to personal fulfillment. Hollay has over 18 years of experience creating content about a range of topics related to personal finance, including insurance, investing, banking, and credit cards. When Hollay isn't writing, she's spending time with her four children, two dogs, and three goats.
