Car Insurance For High Risk Drivers

When it comes to car insurance, high risk drivers are at a disadvantage. Its unquestionable fact that overall high risk drivers pay more for auto insurance. Finding affordable car insurance can be a difficult but not impossible.

High risk drivers - Who are they really?

A few factors are used by insurers when determining if a driver is high risk. Age, driving record and credit rating are the most important ones.

Teenage drivers - insurance experts insist that in a huge percentage of all accidents, teen drivers are at fault. Considering such claims, insurers are obliged to put teen drivers in the high risk category. Insurance rates for teenage boys in particular are quite high, especially for those driving faster cars.

Drivers over 55 - society generally accepts people as senior citizens when they are over 65 years old. There is an argument that senior drivers driver more carefully and rarely own sports cars. Yet, statistics show that older drivers are often involved in accidents.

People with poor driving record - driving history still plays a very important role when insurance premiums are calculated. If you have been caught driving with no insurance, DUI, have a few traffic violations or you have caused an accident, you can fully expect to pay more. SR22 or FR44 in some cases, may be required as part of your insurance policy.

Low credit rating - the use of credit score by insurers is seen as unfair by a lot of people. Fair or not, credit rating is used by more and more insurers every year. Those paying their bills on time are seen as good customers who are less likely to make a claim.

Low Cost car insurance for high risk drivers

Is it possible to find low cost car insurance for high risk drivers?

If you are a teen driver, the first thing you should be concerned about is keeping a clean driving record. If you are at school or college, maintaining good grades can lower your premiums.

Its extremely important to obey the law. Its common sense to avoid drink driving and to carry at least the minimum insurance coverage required in your state. If you have had traffic violations and you are required to have SR22, never let your insurance policy lapse.

You will pay less for your car insurance if you drive a car with more safety features, which is accepted as "insurance friendly".

Senior drivers and young drivers alike, can lower their premiums by taking a defence driving class.

The easiest way for high risk drivers to find low cost car insurance is to compare quotes online.


Getting quotes from at least 3 insurers is what insurance experts recommend. The difference in rates is sometimes shocking.

To compare instant quotes online now, please visit auto insurance for high risk drivers and SR22 insurance quotes