Auto Insurance for High-risk Drivers: What Are Your Options?

Being classified as a high-risk driver can make finding affordable auto insurance more challenging. High-risk drivers are typically those with a history of traffic violations, accidents or other factors that increase the likelihood of future claims.

Specialized Insurance Providers

One of the primary options for high-risk drivers is to seek out specialized insurance providers offering non-standard auto insurance. These companies focus on providing coverage for individuals who may not qualify for standard policies due to their driving history.

These insurers often provide customized non-standard auto insurance coverage options to accommodate high-risk drivers. While premiums may be higher than those for standard policies, specialized providers can offer the necessary coverage to ensure you remain compliant with California insurance requirements.

Improving Your Driving Record

While specialized providers and state-assigned risk pools offer solutions for high-risk drivers, improving your driving record can help reduce insurance costs over time. Taking steps to become a safer driver can demonstrate to insurance companies that you are working to mitigate risk.

Consider enrolling in defensive driving courses to help you develop safer driving habits and potentially qualify for discounts on your insurance premiums. Maintaining a clean driving record by avoiding traffic violations and accidents can gradually lower your risk profile. Over time, these efforts can lead to more favorable insurance rates and broader coverage options.

Learn More

Contact Atwood Agency (DBA ISU Insurance Services) for a personalized auto insurance quote. Our team can help you get non-standard auto insurance coverage to meet California’s minimum requirements at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.