How to Get High-Risk Car Insurance

High-risk car insurance is available through assigned risk pool car insurance policies. Expect to pay up to double the national average for a high-risk car insurance policy.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jan 18, 2021

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Here's what you need to know...

  • Find out if you are, in fact, high-risk. Insurance companies have differing criteria for what drivers fit into this classification
  • Keeping a clean driving record and making sure to keep up-to-date on your insurance are the best ways to get out of the high-risk category
  • Your sex, age and where you live all factor into your risk-assessment
  • High-risk insurance rates may be up to 100% higher than the national average

What criteria will be used in deciding if you will be required to carry high-risk car insurance?

Each insurance company has their own sets of rules and guidelines that they must adhere to, but the general facts for classifying someone as a high-risk driver are very similar in many ways.

Get instant quotes and high-risk car insurance rates by entering your zip code now!

Before deciding which is the best high-risk car insurance company, you will be required to answer a series of questions, and you will need to provide a valid driver’s license.

All insurance companies will need to review your driving record to determine if you are going to need to carry high-risk car insurance or not.

The questions asked are subject to the insurance companies underwriting guidelines. The information that you provide to them will be verified, so honesty is of the utmost importance.

Being dishonest will only ensure that you will be dropped as soon as they find out the facts.

Once you have had an insurance policy that has been canceled, you are going to be pretty much put yourself in the high-risk insurance category or you are going to have a really have a hard time getting insured.

According to the answers that you provide and the information on your driving report, the insurance company will decide if they are going to ensure you on their standard policy, a high-risk policy, or no policy at all.

Keep in mind, though, if one company gives you a rate that is too high or will not insure you, keep looking.

The best way to make sure that you will be getting the best chance of not having to carry high-risk car insurance is to check with several different insurance companies. Look online for a quote, and compare the online quotes carefully.

What questions will I be asked?

What is considered high-risk insurance? Here are some questions you should be prepared to answer if you think you may be considered a high-risk driver.

  • Do you have any traffic violations?
  • Were you involved in any accidents?
  • Have you carried car insurance in the past?
  • Are you currently insured?
  • Do you have DWIs or any DUIs?
  • Do you have an SR-22?

These are just some of the factors that an insurer can use to decide the issue of high-risk insurance. Not all companies will use the same exact guidelines. Therefore, you shop around for the best insurance company.

Having to carry high-risk car insurance is not the end of the world if you can find a company that is willing to work with you. By shopping online and getting several quotes from different companies that offer high-risk car insurance, you can still save money.

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What other information will I have to provide for high-risk car insurance?

Yes, there is more information you will need to provide so that insurers can accurately calculate the risk you possess:

  • If you had any traffic violations, were any of them moving violations? For example, speeding, careless operation of a motor vehicle, failure to stop, or running a red light are all moving violations.
  • If you were involved in a traffic accident, were you at fault? Were there any injuries involved? Were there any vehicles that were deemed a total loss?
  • If you have not been insured for the entire time that you have owned a vehicle, were there extenuating circumstances? You may need to show proof of these circumstances.

If you have been charged with driving while intoxicated or driving under the influence, you can be assured that you will have to carry high-risk insurance and it may not be very easy to acquire.

In the event that it occurred many years ago, you may be ok, it just depends on what restrictions your state and insurance company have. You will be required to obtain an SR-22 form to prove you are insured.

Any other risk factors I should be aware of?

  • Men are typically rated higher risks than women are, based on statistics that show men take greater risks on the road.
  • Age is a major factor, and teenage males are the rated the highest risk of all. The assumption here is that young men love to drive fast and show off. Sadly, statistics back up this assumption. If there are unfavorable factors on their driving record, a high-risk policy is going to be a given.
  • Geographical areas play a part in your insurance issues also; people who live in and work in the city can expect to pay higher premiums than those who live in the suburbs or the country. Traffic is much heavier in the city, people are in a hurry, lane switching and tail-gaiting are prevalent and accidents happen much more commonly.
  • People who live in cities that have high auto theft numbers may also fall into the high-risk category because their cars are in jeopardy of being stolen.

People who are in high-risk categories can still find affordable coverage by keeping their driving record clean. Making sure that you stay insured, shop around, and stay informed are the best ways to get the best price.

Know what is on your driving record before you look for a quote to avoid any surprises.

Compare your rate by typing your zip code into the free car insurance quotes tool now!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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