Learning About High-Risk Car Insurance

High-risk car insurance covers high-risk drivers such as teenagers, seniors, new drivers, and penalized drivers. Reduce high-risk car insurance rates by improving your driving record.

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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® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • High-risk drivers’ car insurance premiums will be considerably higher than those of low-risk drivers
  • There are many types of drivers classified as high-risk
  • Even as a high-risk driver, there are steps you can take to reduce your car insurance premiums

Nobody can say driving is a no-risk activity. When a careless driver is out on the road, disasters may follow. To overcome this situation, it is mandatory that all reckless drivers possess car insurance.

There are car insurance plans specifically designed for careless drivers, those who have been caught driving under the influence of alcohol and drugs, or poor drivers.

It is necessary for all drivers to have auto insurance and driving without it is against the rules. A high-risk driver will find it a bit hard to find a good insurance deal.

However, with a little shopping around even high-risk drivers can get some sort of deal. There are hundreds of companies out there with thousands of policies and it’s easy to find the best one.

Getting a quote will educate one on the different kinds of policies available and their features. The location of the driver and the zip code are necessary for getting comparative quotes.

Compare car insurance rates with your zip code and the free quote tool now!

Who is considered high-risk?

Here are some different drivers that can be categorized as high-risk:

  • Youngsters Unfortunately, most high-risk drivers are young drivers. Teenage boys between the ages of 17 to 24 are thought to be extremely dangerous.
  • Seniors – Seniors form another category of high-risk drivers. Their reflexes are slower and they may not be able to apply the brakes as quickly as required. Elders may not be able to judge the distance between cars and move out of danger’s way when faced with other reckless drivers.
  • First-timers – New drivers are often subjected to higher premiums until they prove they are safe and cautious drivers. This is especially true in the case of men.
  • Penalized Drivers – Those with speeding tickets, traffic violations, one or more reckless driving incidents, a drunk driving record, hit and run cases and conviction for offenses are often considered a danger on the roads. This group undoubtedly has to pay excessively high premiums.

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How can high-risk drivers obtain cheaper car insurance?

It can be a very daunting task to find a cheap insurance policy for high-risk drivers, however, it’s still feasible. The only thing is, one needs to know how to look for it. There are actually companies that target risky drivers.

People often don’t know how to go about getting cheaper auto insurance. Either they don’t have the time to search, or they don’t know how to go get started.

They get disillusioned because of the high premiums or because insurance companies are not willing to take the risk to cover them.

Conducting an online search will help those in need of car insurance find companies willing to take them on. To get out of the group of high-risk drivers, the only things they can do is be more careful when driving, take care of their vehicles, and observe the rules of the road.

Areas Covered in High-Risk Car Insurance

High-risk car insurance is often designed to help drivers get back on the track and drive more carefully in the future. Some insurance providers offer courses on the aspects and importance of safe driving and then provide lower premiums.

Coverage also provides for vehicle collision, personal injury protection, medical coverage, vehicle recovery and so on.

Some Tips to Lower Car Insurance Premiums

Even though it might take some time, it’s possible to find cheap insurance for high-risk drivers.

  • Improve driving record
  • Install safety features in the vehicle
  • Get a beat-up vehicle. Once it’s been proven that a person’s driving is safe, he can get a newer car without paying exorbitant insurance premiums.
  • Pay the premiums annually to save more money.
  • Drive a four-door car. They are more likely to be offered lower premiums than two-door sports cars.

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  1. https://www.iii.org/issue-update/compulsory-auto-uninsured-motorists
  2. https://www.rmiia.org/auto/teens/Buying_Auto_Insurance.asp
  3. https://www.consumerreports.org/cro/magazine/2012/10/teenagers-and-older-people-are-the-riskiest-drivers/index.htm
  4. https://en.wikipedia.org/wiki/Personal_injury_protection
  5. https://www.consumerreports.org/cro/2012/04/guide-to-safety-features/index.htm

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