Last updated: January 2023

High Risk Auto Insurance

Insurance companies consider some people to be "high risk" drivers. As the name suggests, these drivers can present a greater liability to insurers due to their driving record, the type of cars they drive, or even their credit history. The insurance company could see them as more expensive to insure.

You might be considered a high risk driver if you have:

  • Had one or more auto accidents
  • Received multiple speeding tickets or other traffic citations
  • Been convicted for Driving Under the Influence (DUI) or Driving While Intoxicated (DWI)
  • Just recently received your driver’s license
  • Been required by your state to file an SR-22
  • A below average credit history
  • A particularly specialized or high-value car

Pro tip: Wondering "What’s an SR-22?" find out what SR-22 insurance is, who needs it, and how much it might cost.

High Risk vs. Low Risk Drivers

On the flip side, "low risk" drivers are those who may be less likely to get involved into trouble on the road. They may have a good driving record and an established credit history, work close to home, or live in a rural area. These last two factors mean that a driver may be on the road less often or may encounter fewer vehicles on the road, both of which could reduce their chances of being in an accident.

Cost of High Risk Auto Insurance

If you're worried that high risk insurance will be too expensive, consider this—driving without car insurance is illegal in most states and it’s a gamble everywhere.

One accident (especially with another uninsured motorist) could result in hundreds, sometimes thousands, of dollars in damages. Getting caught driving without insurance could cost you your license, which can lead to many other expenses and inconveniences.

High Risk Car Insurance: 4 Things to Know

The good news is, you can find affordable high risk car insurance if you look in the right place. Here are four things you need to know before you begin shopping for auto insurance for high risk drivers.

1. Some auto insurance companies don’t offer a high risk option. (But we do!)

Some companies only insure individuals with almost perfect driving records. Other companies offer high risk insurance or “non-standard auto insurance.” At Direct Auto Insurance, we specialize in helping drivers who’ve been put off or turned down by other companies, so give us a call or get a free car insurance quote before committing to another provider.

2. You can still compare prices on high risk auto insurance policies.

As with most other things in life, you can and should shop around before choosing an auto insurance company. Before you make a decision, compare high risk insurance policies not only for pricing but also for coverage and reputation. Look for the three pillars of a great insurance company: excellent service, plenty of coverage options, and competitive pricing.

Even if you’re considered a high risk driver, there are companies out there that understand your personal and financial situation. Direct Auto is one of them. We allow you to customize your payment plan to fit your payday schedule and your monthly budget. Flexible, affordable car insurance for high risk drivers does exist.

3. SR-22 is not a type of insurance. It's a form you need to file.

Some people mistakenly refer to SR-22 as a type of insurance, but it isn’t. An SR-22 is a document that an insurance company files with the state to certify that an individual has met the minimum financial responsibility requirements to have the legally mandated coverage. Courts or states will require an SR-22 for individuals who have had severe driving-related violations. Not all insurance companies offer SR-22s, so if you need an SR-22, you will have to find an insurance company that provides that service. Direct Auto does!

4. You don’t have to be “high risk” forever. Affordable car insurance for high risk drivers is possible.

So, you've made a few poor choices out on the road, but that was then, and this is now. Every state mandates a length of time that a driving penalty will stay on your record, but your insurance company may be able to suggest ways for you to reduce the points on your driving record.

Some high risk insurance companies reward drivers for attending traffic safety or defensive driving courses. Taking positive steps to clean up your driving record can help you get affordable car insurance and help you fall into the category of a "lower" risk driver. You can also: 

  • Use defensive driving techniques to help prevent accidents
  • Be mindful about following all traffic and parking laws
  • Drive a car with more advanced safety features
  • Choose Direct Auto for High Risk Car Insurance

Need a quote for high risk auto insurance, help with an SR22, or both?

We welcome all types of drivers to apply for coverage at Direct Auto. Come to your nearest Direct Auto location Direct Auto, get a free high risk auto insurance quote online, or call us at 1-877-GO-DIRECT (1-877-463-4732) to see how we can provide you with the proof of coverage you’re required to have, premiums that work with your budget, and the service you deserve.

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