High-Risk Auto Insurance: What It Is, Who Needs It, and How to Save

Not all drivers pay the same price for car insurance. If you've had multiple accidents, a DUI conviction, or other serious violations, you might be classified as a high-risk driver. Understanding what high-risk auto insurance is, who requires it, and how to find the right coverage can help you make informed decisions.

For personalized assistance, Breathe Easy Insurance agents specialize in helping high-risk drivers explore their options and secure SR-22 coverage.

What Is High-Risk Auto Insurance?

High-risk auto insurance (also known as non-standard auto insurance) is a name used by insurance referring to coverage for drivers who are considered more likely to cause claims. While it offers the same insurance coverage as standard auto insurance, the key difference lies in cost and eligibility. Non-standard insurance providers often charge higher premiums to compensate for this increased risk.

What to Expect with High-Risk Auto Insurance

• Higher Premiums: Insurers charge more to offset the increased likelihood of claims.
• Limited Options: Some companies opt not to renew coverage for high-risk drivers, while others continue providing insurance but at increased premium rates.
• Additional Requirements: Depending on your state and the nature of your offense, you may be required to file an SR-22 or FR-44 certificate. This document, submitted by your insurance carrier, serves as proof of financial responsibility.

What Is a High-Risk Driver?

A high-risk driver is someone whose driving history or circumstances indicate a higher likelihood of future claims to insurance companies. These companies assess risk based on a variety of factors, and drivers who fall into this category often face higher premiums due to the increased financial exposure they represent.

5 Factors That Classify Someone as a High-Risk Driver

1. Drivers with DUI or OWI Convictions

Being convicted of driving under the influence (DUI) or operating while intoxicated (OWI) is one of the most significant indicators of high risk. These offenses suggest a pattern of risky behavior, and in most states, drivers with a DUI must file an SR-22 or FR-44 certificate and maintain it for several years.

2. Those with Multiple At-Fault Accidents

A history of multiple accidents where the driver was found to be at fault signals a pattern of unsafe driving. Insurers view these drivers as more likely to cause future claims, increasing their risk level.

3. Individuals Caught Driving Without Insurance

Driving uninsured is illegal in most states, and being caught without coverage can result in fines, license suspension, and being labeled as a high-risk driver. Insurers may require an SR-22 filing to ensure continuous coverage.

4. New Drivers with Little to No Experience

New drivers, especially teens and young adults, are often considered high risk due to their lack of experience on the road. Statistically, younger drivers are more likely to be involved in accidents, making them a higher liability for insurers.

5. Drivers with Excessive Traffic Violations

Accumulating multiple traffic violations, such as speeding tickets, reckless driving charges, or other moving violations, signals risky driving behavior. In some cases, drivers may even face license suspension and be required to carry high-risk car insurance once reinstated.

How Long Are You Considered a High-Risk Driver?

The amount of time you are considered a high-risk driver depends on several factors, including your driving history, state regulations, and the severity of your violations.

Typically, you’ll be classified as a high-risk driver for three to seven years, but this can vary. In addition, drivers with a DUI may need to maintain SR-22 insurance for a set number of years, mandated by your state. As long as you have an SR-22 filing requirement, your insurer is likely to consider you high-risk

How to Lower Your High-Risk Status

While being labeled as a high-risk driver can lead to increased insurance costs, there are steps you can take to improve your status over time:

• Maintain a clean driving record by avoiding traffic violations and accidents.
• Complete a defensive driving course or DUI education program, which may also qualify you for discounts with some insurers.
• Ensure continuous coverage by avoiding lapses in insurance.
• Drive a safe, reliable vehicle that doesn’t increase your perceived risk level.

Not sure where to start? Contact our team for guidance on SR-22 filings and finding affordable SR-22 coverage.

How to Find Affordable High-Risk Auto Insurance

If you’re labeled a high-risk driver, finding affordable high-risk car insurance may seem daunting, but with the right strategy, you can still secure an auto policy that fits you budget:

• Shop Around: Compare quotes from multiple providers to find the best rate. Check out our detailed guide on how to shop for SR-22 and FR-44 insurance to ensure you get the right coverage.
• Bundle Policies: If you have renters or homeowners insurance, bundling can lower costs.
• Choose a Higher Deductible: Opting for a higher deductible can help reduce monthly premiums.
• Work with Specialists: Agencies like Breathe Easy Insurance specialize in car insurance for high-risk drivers and can help you find tailored options. If you have questions about SR-22 requirements, visit our SR-22 Insurance FAQ page for more information.

Why Choose Breathe Easy for High-Risk Auto Insurance?

Breathe Easy Insurance Solutions specializes in helping high-risk drivers secure affordable coverage. Whether you need non-standard SR-22 insurance or help navigating complex requirements, our licensed agents are here to guide you.

Contact Breathe Easy’s licensed insurance agents today for SR-22 insurance support and get back on the road with confidence.