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High-Risk Auto Insurance

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What is High-Risk Auto Insurance?

Many people have driving records that are less than perfect. High-risk auto insurance, more commonly referred to as “Non-Standard” insurance, refers to an auto insurance policy that is given to a high-risk driver. Typically, drivers who are considered high-risk pay higher insurance premiums.

Some auto insurance carriers only insure drivers with spotless driving records, but there are high-risk auto insurance companies. If you’re a high-risk driver who has had your license suspended or revoked and require an SR-22 policy for reinstatement, you’ll want to shop around to find the best rate with a reputable company.

What is an SR-22?

Although it’s often referred to as SR-22 insurance, an SR-22 is not an insurance policy; it’s simply a financial responsibility form proving that you have insurance coverage. The SR-22 is filed with your state by your insurance company and certifies that you carry the minimum liability coverage on your car insurance policy. If you do not own a motor vehicle, you must purchase “non-owners” liability coverage. If you’re not currently insured, this could cause your driving privileges to be revoked. The California Department of Motor Vehicles will notify you if you require an SR-22 policy. State-by-state car insurance requirements vary widely, but all states have auto insurance coverage requirements that include proof of financial responsibility or some type of car insurance.

Your driving record will determine if you need high-risk car insurance. For example, if you’ve been convicted of driving under the influence of drugs or alcohol or have multiple speeding tickets, you may be placed in a high-risk category, requiring special high-risk auto insurance. Your recent driving record history is the most important factor taken into account. Any accidents or tickets you’ve had in the last 12 months will count more than an incident from several years ago. This can make it difficult for you to find affordable auto insurance, since many insurance companies refuse to take the risk.

What if You Are in a High-Risk Group for Car Insurance?

So what can you do if you’re in a high-risk group for car insurance?

First, get a free online car insurance quote to get an idea of what your premium might be, based on your driving record and other factors. We work with the established, major low-cost insurance companies to find you the best coverage at the best price.

Even if you need full coverage insurance or are looking for affordable teen car insurance, here are some things you can do that may lower your cost:

  • 1
    Take a defensive driving course. Check with an insurance agent for approved courses.
  • 2
    Trade in your car for a model with a better safety record or more safety features.
  • 3
    Follow all traffic laws. Going three years without a ticket or accident may result in a decrease in your rate.

Get a Free High-Risk Auto Insurance Quote

If you’re a high-risk driver in search of cheap car insurance, Freeway Insurance can help. Freeway can get you insured regardless of your driving record. Request a free auto insurance quote online, over the phone, or by visiting one of our local offices.