Finding Cheap High-Risk Car Insurance

Quotes for high-risk car insurance are $137.75/month higher in the US on average. Safety features in your car may lower your rates by up to 8%.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 30, 2021

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Here's what you need to know...

  • High-risk drivers typically pay higher premiums for car insurance
  • If you are a high-risk driver, there are several things you can do to lower your insurance rates
  • Safety features and monitoring devices in your car could help you receive reduced premiums

Shopping for car insurance can be difficult if you are defined as a high-risk candidate; premiums can be astronomical or insurance companies may not offer a policy at all. That can definitely be frustrating if you’re looking for options and you don’t consider yourself in the higher-risk drivers category. So what deems a person as “high-risk”? We’ll take a look into what safe drivers are doing to get the most affordable rates on the market, and also how they’re keeping themselves safe while on the road.

We can help you find high-risk car insurance. Enter your zip code above for FREE car insurance quotes from multiple providers.

What classifies a driver as high-risk?

A high-risk driver is typically under 25 years of age, over 65 years of age, or has multiple moving vehicle violations.

A young driver may drive without much experience, whereas the elderly driver has risk associated with themselves since mental and physical abilities decline in old age. So yes, even an experienced driver can be looked at as a financial risk, even if they don’t have any major violations against them. Though a clean record is usually looked at more favorably than someone who already has a ticket.

Multiple violations, such as speeding tickets, create a high-risk person since they are not following the rules of the road. Someone with a clean driving record is going to cost a company less money and will be given easier access to better insurance premiums.

Are high-risk insurance quotes difficult to find? Not if you compare and research different companies. Follow these tips to increase your chances of finding high-risk auto insurance quotes.

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Do driving classes help lower your premiums?

They absolutely do. Ever heard of the defensive driving eight-hour course? Happily not all of them are that long – some are only six hours! But when safety is concerned, a course like this is absolutely worth it. Consumers can look for car insurance companies that offer discounts on high premiums through certified driving classes.

Many states offer classes that are designed for a specific high-risk group, such as elderly drivers. These classes will teach older drivers about techniques they can use on the road to stay safer, such as driving during off-peak hours or staying in the right-hand lane.

After the class is completed, drivers will have an official certificate of completion to prove their new skills.

As a result, the car insurance company that recognizes these certificates can alter the former high premium into a more affordable policy.

The key to obtaining the cheapest rates when you have something like a driving certificate is comparing policies; do not simply stay with the first quote obtained from an agent or online entity.

Shopping around will prove to be the best idea for someone who is considered a high-risk driver. Most companies are going to offer competitive rates, so you don’t want to miss out on cheaper auto coverage because you went with your first option.

What about the type of car you drive?

Remember that streamlined sports car that you enjoy so much? If you would like an inexpensive car insurance quote as a high-risk driver, it is time to change vehicles.

A car with a lot of speeding power is a big risk for car insurance companies; they know that drivers will be tempted to speed and try racing maneuvers on the road since the car is capable of such feats. Often that leads to a ticket, which will increase your risk as a driver. Which also means an increase in the cost of coverage for drivers who own faster models.

Sports car insurance rates are usually higher than average.

Removing the temptation from the driver by driving a standard passenger car will definitely make insurance quotes easier to find at a lower premium because there’s less of a chance to be given a ticket if a driver is going the speed limit.

Consumers should look for a reliable, compact car that has a good reputation in the car industry for safety on the road, such as high marks for vehicle structure during a collision.

Car insurance companies look at both the driver and the vehicle to formulate a monthly or yearly premium; driving a basic car from point A to point B will lower the chances that the high-risk driver will get into any trouble.

What sort of safety features should you be looking into?

In the past, vehicles had basic safety features, like seat belts. However, modern technology has infiltrated the car so that high-risk drivers can be safer on the road in the event of an accident.

Drivers that use a car with multiple airbags have less of a chance of becoming injured in an accident; as a result, the car insurance company sees the person as less of a risk since bodily injury chances are lowered.

You might even be eligible for a discount because of those safety features.

Anti-lock brakes and automatic seat belts are two other popular forms of safety devices that also make it easier for a person to find high-risk auto insurance rates.

The brakes themselves may prevent an accident from occurring, warding off the possibility that the driver would even place a claim with the insurance company in the first place.

Automatic seat belts provide reassurance to the company that the driver cannot “forget” to put on the safety device and become involved in a major accident.

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Should you utilize driver monitoring at all?

High-risk car insurance quotes are easier to find if the company offers driver monitoring. With the help of modern technology, drivers can prove that they are responsible.

Devices can be installed within the vehicle to record and report a driver’s mileage and speed.

These devices are proof of daily driving habits; companies that see the data as consistently safe over a certain time period may be encouraged to lower a policy’s premium.

Other devices actually record video of the driver’s day in the car, much like a police vehicle’s dash-mounted camera.

The insurance company can see first-hand how the driver moves along the road. Does the vehicle swerve a lot? Are there a lot of close calls with other vehicles? Sometimes they can even monitor how harshly a driver brakes and what their average speed is. With a camera, good drivers will be rewarded with a true vision of their daily habits. It’s an excellent service that more companies should look into utilizing.

What about navigational assistance?

Lost drivers can increase their possibility of becoming a high-risk driver; accidents can easily occur if drivers are attempting to find an address or building. If a person is driving in unfamiliar territory they can sometimes, unintentionally, incur a traffic violation.

However, insurance quotes are easier to find if the vehicle has a navigational assist feature, like GPS (global positioning system).

These electronic wonders guide drivers to the next destination with verbal commands. Drivers do not need to be distracted by a physical map; instead the GPS will safely guide the driver without any distraction.

Overall, finding high-risk car insurance quotes does take some research, but drivers will find that many companies offer many different choices to save customers potentially hundreds of dollars each year on their annual premium. Affordable coverage is definitely worth a few hours of research to many drivers out there.

Consumers should make sure to compare auto insurance policies and ask questions. Some insurance providers may not advertise all of their discount options. It is possible to find a good deal for any high-risk driver in the universe of companies that exist out there. This also means there is hope for any bad drivers out there as well; it’s never too late to begin paying attention to driver safety.

Looking for high-risk car insurance? Enter your zip code below for FREE quotes from several different providers.

References:

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