Auto Insurance for High Risk Drivers

Auto insurance can be expensive, but it doesn’t have to be. Even those labeled as “high risk” or “risky” can still find affordable auto coverage (although good deals might be harder to come by). As always, shopping around for the best deal is your best bet for finding affordable auto insurance for high risk drivers.

auto insurance for high risk drivers

If you are deemed to be “high risk” there are still things you can do to get low cost auto insurance.

What Is A High Risk Driver?

The short explanation of a high risk driver is one who poses a high financial risk to the auto insurance company. In other words, someone that is likely to cost them money. There are typically two different classifications of high risk drivers.

The most common type of high risk drivers are younger, inexperienced drivers.  Often times, teenage drivers fit this bill.  Statistically speaking, these drivers are more likely to be involved in an accident, and the auto insurance companies know this better than anyone. Assuming you have a relatively clean driving record, you’re likely to see a rate decrease around your 25th birthday, when most auto insurance providers stop considering you to be high risk.

The second group of high risk drivers consists of DUI offenders, those with multiple speeding tickets, and accident prone drivers. If either of these groups sounds like you, the auto insurance companies may consider you a high risk driver.

Why Do High Risk Drivers Have To Pay More For Auto Insurance?

The name say it all. These drivers are very risky, and often times expensive to insure.  This is because the chance of the insurance provider having to pay for repairs, medical bills, and property damage is much higher. In order to cover themselves financially, they must charge higher rates to those more likely to wind up in an accident.

What Do Insurance Companies Deem To Be Risky?

To get a better idea of who is a high risk driver and who isn’t, picture these two cases:

Driver #1

  • Male aged 17
  • Drives his dads old Ford Mustang
  • Drives his car to school and to work. He also likes to “race” with his friends on the highway.
  • Already has two speeding tickets (he has been driving for less than a year)
  • Arrested for driving under the influence. Depending on the outcome of his trial, he might get his license revoked.

Driver #2

  • Female aged 45
  • She is an elementary school teacher
  • Her children are away at college, so the only people on her policy at home are her and her husband.
  • Never had a traffic violation or an accident

Now ask yourself – if you were an insurance company, who would you rather insure?

Save Money On High Risk Auto Insurance

Proving to the auto insurance companies that you are in fact a safe and responsible driver can go a long way when it comes to saving on high risk auto coverage. Luckily there are many ways to do this. The most popular and effective way to do so is to take a defensive or safe driving course, which you can find more information on from your local DMV office.

A car with a good safety reputation, and all the latest safety devices will also greatly reduce the risk you pose to your insurance provider. Such safety devices include automatic seat belts, anti-lock breaks , and airbags. Fast or “tricked out” cars are a definite no-no for high risk drivers, and driving such a car can greatly increase your premiums.

How Do I Know If I’m Considered A Risky Investment?

Most people don’t find out they are high risk driver until they’ve been declined by a number of auto insurance companies. But there are some easy ways to determine if your are a high risk driver before even getting a quote.

DUI/DWI – If you have one of these on your driving record within the last 10 years or so, chances are you will be considered a high risk driver. Taking driver improvement classes and alcohol or addiction classes may improve you chances of finding an auto insurance policy.

Young drivers with bad records – If you’ve been driving for a very short time, and already have a number of tickets and accidents on your record you may be considered a high risk driver. Again, taking driver improvement classes will help you out.

Fast/Expensive Cars – Even if you have a clean driving record, an expensive, high performance car may lump you into the high risk driver category. A good way to counteract this is to make sure your car is loaded with safety features.

Finding High Risk Car Insurance

As stated above, just because you are considered a high risk driver, doesn’t mean you won’t be able to find someone to insure you. Most large auto insurance companies will be happy to insure you for a higher rate.

There are also auto insurance companies that specialize in high risk drivers. If applying for quotes online, they will usually be able to determine your risk level on the spot after you’ve entered your driving history. As a result, you will probably get high risk auto insurance quotes for high risk auto insurers.

If you stand any chance of finding and affordable rate on car insurance, you must get quotes from as many companies as possible. This step is made easy by simply entering your zip code above. You’ll then be presented with the best offers auto insurance has to offer. And yes, even high risk drivers can incredible deals from the leading companies, and even providers that specialize in the field.


  Comments: 8

  1. Andrew Jenkins

    Honestly, I think that it would be wise to get insurance. We will never know when and where are we going to have an accident. This sure says a lot, very informative blog.

  2. The article above makes it sound like you can get cheap auto insurance even if you are high risk. let me say this “cheap high risk auto insurance” is an oxymoron. Anybody irresponsible enough to have a poor enough driving record to be deemed “high risk” doesn’t get the liberty of getting cheap insurance.

    If you really want cheap insurance, you need to drive safely and not be stupid behind the wheel and get things like DUI’s and speeding tickets. Cheap auto insurance is a privilege, not a right.

    • What about the person doing the right thing and the other guy is wrong but you still get charged because it is still an accident. They do not care who is at fault. So you get charge as “high risk “. Not fair.

    • And also I drive for a living so I have to be in areas where if I wasn’t working I wouldn’t be caught dead in these areas at rush hour. So I am stuck between the rock and a hard place!

    • Armando@4AutoInsuranceQuote

      Hi Johnny,

      You’re not wrong, being labeled as a high-risk driver is pretty much guaranteeing more expensive coverage rates. However, this article focuses on saving a high-risk driver money relative to their situation. That is to say, the cheapest option among the options available. The article does offer some good suggestions as well, such as the type of vehicle to choose and to avoid modifications to keep rates lower than they would be otherwise. As Steven’s post mentions however, if you are involved in an accident (or a few) you may be classified at a higher risk than other drivers that have not been in accidents (because of your apparent failure to avoid them) even if you are not at fault for any of them. Not everybody that has been in an accident necessarily made poor driving decisions, yet they are stuck with higher rates.

  3. Weird , your post shows up with a dark hue to it, what color is the primary color on your web-site?

  4. WHAT if let’s say your a tow truck driver and you get into a wreck and it’s your fault. Your LISCENCE is revoked and yu try to pass your
    ID off as DL. What would happen to you and your Company?

  5. Armando@4AutoInsuranceQuote


    It would be a very, very poor decision to try and do this. Your ID CANNOT be used as a driver’s license, because it is not a driver’s license. The minute that you’re pulled over for anything as minor as a routine traffic stop, you will likely be arrested and your truck will be impounded, racking up penalties and storage fees until it’s eventually auctioned if you don’t recover it. Furthermore, an insurer would likely not cover an accident if they found out you were driving with a revoked license. To state the obvious, your business will go underwater if nobody is driving the truck. Therefore my suggestion to you is to hire an employee to legally drive for you in the meantime and consider consulting with a lawyer to see if anything can be done about your revoked license.

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