Auto insurance
Car Insurance for High-Risk Drivers
Insurers use the term high-risk driver for someone they expect to file more claims. It can raise prices, but there are still options.
What can make a driver high risk
- At-fault accidents
- Tickets or serious violations
- A lapse in coverage
- A required SR-22 filing in some states
What can help
- Compare quotes from more than one company, since each rates risk differently
- Ask about discounts, such as a defensive driving course
- Keep coverage active with no gaps
- Ask how long a violation stays on your rate in your state
About SR-22
An SR-22 is a form some states require to prove you carry the minimum coverage. Your insurer files it. Ask your state motor vehicle office and your agent how it applies to you.
Next step
A licensed agent can compare companies that accept higher risk drivers and explain the difference in cost and coverage.
General information only, not financial, legal or insurance advice. Rules, prices and benefits vary by state and by policy. A licensed professional can explain what applies to you.