High risk drivers often have the most difficult time shopping for car insurance. Their driving records not only make their premiums significantly higher, but insurance providers can refuse to sell them a policy all together. Because high risk (or nonstandard) drivers are more likely to file an insurance claim, many providers believe these drivers will end up costing them more money.
States have varying laws that determine how far back insurance providers can look into consumer’s driving records. Most insurance carriers are interested in violations within the past five years, but some will be able to look back even further. Violations include a DUI/DWI, speeding ticket, high risk vehicle, lapse in insurance coverage or being a new or senior driver.
If you have any of these violations on your record, it’s important to find a provider that specializes in high risk driver policies so that you can get the appropriate coverage and discounts.
Car insurance providers that cater to high risk drivers understand your challenges and needs more than a standard insurance company. They’ll be able to give you advice on which coverages to add or avoid and how you can unlock discounts.
It’s important to shop around for quotes because what one provider considers high risk, another would consider standard. There are a handful of high risk providers that are often subsidiaries of a larger company, including:
|Driver Profile||Average Insurance Price|
|High Risk Driver||Starting from $37/mo|
|Discount Type||Discount %|
|Driving training discount||Varies|
|Defensive Driver Discount||25%|
|Good Credit Discount||84%|
|Low Mileage Discount||30%|
|Good Student Discount||25%|
|Preferred payment discount||30%|
|Multiple Vehicle Discount||38%|
|Anti-Theft Device Discount||36%|
|Passive Restraint Discount||40%|
|Seat Belt Use Discount||15%|
|Professional organization discount||Varies|