High risk car insurance is for people who have a higher chance of accidents or problems while driving. Not everyone needs it, but some drivers cannot get regular car insurance because of their driving history, age, or other reasons. This article explains high risk car insurance in a very simple way.
What Is High Risk Car Insurance?
High risk car insurance is a special type of car insurance for drivers considered “high risk.” Insurance companies see these drivers as more likely to have accidents or claims.
You might need high risk insurance if you have:
- Accidents on your record
- Traffic tickets or violations
- A DUI (driving under influence)
- A suspended license
- A bad credit score
- Less driving experience (young drivers)
High risk insurance costs more than regular insurance because it covers higher risk.
Why High Risk Car Insurance Is Important
Even if you are high risk, you still must have car insurance in the USA. It is required by law. Without insurance:
- You can get fines
- Your license may be suspended
- Your car can be impounded
High risk insurance helps you drive legally and stay protected.
Who Needs High Risk Car Insurance?
You may need high risk insurance if:
- You had a recent accident
- You have traffic tickets
- You were convicted of DUI
- You have a poor driving record
- You are a new or young driver
Insurance companies label these drivers as “high risk,” so they need special insurance.
What Does High Risk Car Insurance Cover?
High risk car insurance covers the same things as regular car insurance:
- Liability coverage (damage to other people or cars)
- Collision coverage (damage to your car)
- Comprehensive coverage (fire, theft, storm)
The difference is the price, which is higher due to risk.
How Much Does High Risk Car Insurance Cost?
High risk insurance is more expensive than standard insurance. Factors affecting the cost include:
- Driving record
- Age
- Car type
- Location
- Credit score
Some drivers pay double or more than normal insurance. But it is better to pay higher than drive without insurance.
How to Find Affordable High Risk Car Insurance
Even if you are high risk, you can save money by following tips:
1. Compare Quotes
Always check prices from multiple companies.
2. Choose Minimum Coverage
Liability-only coverage is cheaper.
3. Increase Deductible
Higher deductible lowers monthly payments.
4. Ask for Discounts
Some companies offer discounts for:
- Safe driving courses
- Low mileage
- Anti-theft devices
5. Maintain a Clean Record
Over time, tickets and accidents will affect your price less.
Companies That Offer High Risk Car Insurance
Some insurance companies specialize in high risk drivers:
- Progressive
- GEICO
- State Farm
- The General
- SafeAuto
Prices and availability depend on your state and driving history.
Online vs Agent for High Risk Insurance
Online
- Fast
- Easy comparison
- Immediate quotes
Agent
- Personal help
- Can explain options
- Good for complicated cases
Both options work, but agents can help if your record is complex.
Common Mistakes to Avoid
- Driving without insurance
- Choosing cheapest plan without coverage
- Giving false information
- Ignoring policy details
- Not comparing companies
These mistakes can cost you more later.
FAQs
Can high risk drivers get car insurance?
Yes, everyone can get insurance, but it may cost more.
Does high risk insurance cover all accidents?
Yes, it works like regular insurance, but the price is higher.
How long do I need high risk insurance?
Usually 3–5 years until your record improves.
Can a DUI driver get insurance?
Yes, but they are considered high risk.
Can I switch to regular insurance later?
Yes, once your driving record improves.
Summary
High risk car insurance helps drivers with accidents, tickets, DUIs, or poor credit to drive legally. It is more expensive than regular insurance, but it protects you, your car, and others on the road.
Conclusion
High risk car insurance is necessary for drivers with a higher chance of accidents or claims. Even if it costs more, it is better than driving without insurance. Compare quotes, choose the right coverage, maintain a clean record, and stay safe on the road.