High-Risk Auto Insurance

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What Is High-Risk Car Insurance?

Car insurance agencies look at various aspects of a driver's record to determine whether they are a high-risk or a safe driver. If auto insurance companies consider you to be a high risk driver, you will be assigned a high risk insurance policy. This can cause you to pay almost double the average premium rates!

What Makes a High-Risk Driver?

Auto insurance companies look at many things ranging from your driving record to your credit score to see if you are a greater liability on the road. Below is a list of what might be raising your average car insurance cost per month:

DUI insurance
  • Driving Under the Influence (DUI)

Sometimes known as a DWI, or driving while impaired, a charge is seen as a major violation to insurance companies. In California, a DUI results in a misdemeanor and in some cases carry significant jail time, fines, and suspended license periods. Required DUI insurance can cause your rates to rise 40% on average.

  • At-Fault Accidents

The driver at fault in a car wreck and their insurer are liable for losses of other drivers, passengers, and anyone else injured by the accident. An at-fault accident makes you a major insurance risk and will increase your car insurance costs by an average of $612 per year.

  • Speeding Tickets

Although speeding tickets are one of the less severe violations, it is still enough to be considered a high-risk driver by insurance companies. This will lead to car insurance premium increases. The average increase on car insurance premiums for speeding is $309.

  • Suspended License

In California, having a suspended license will cause your insurance to go up. Car insurance companies tend to consider the last three to five years of your driving history when determining your policy details.

high-risk car insurance

Non-Driving High-Risk Factors

Some factors that affect high-risk drivers' insurance rates may not be related to your driving history at all. High-risk car insurance companies consider these other variables to determine how high of a risk someone is:

  • Poor Credit

A study by the FTC has shown that drivers with low credit scores are more likely to file a claim than are drivers with bad credit.

  • Age

Insurance companies consider a young adult as a high-risk driver and will raise their premium rates for their lack of experience on the road

  • Vehicle Type

High-performance sports vehicles are seen as an added risk to many car insurance companies and can potentially raise your high-risk insurance cost.

Get the Most Affordable Car Insurance Rates for High-Risk Drivers with Express Lane Insurance

Express Lane Insurance wants to offer you what no other companies in the industry will - second chance auto insurance. Our high-risk auto insurance program gathers all the best quotes and policies available to find you the very best car insurance premiums. We want to make sure you won't have to worry about filing a claim, taking defensive driving courses, or how long you are considered a high-risk driver ever again. Let us find you the best automobile insurance for high-risk drivers.

Express Lane Insurance serves Southern California from their three convenient locations in Lancaster, Palmdale, and Fontana. Contact us today to request a free quote.

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