Are You a Horrible Driver? High Risk Driver’s Insurance 101

Are You a Horrible Driver? High Risk Driver’s Insurance 101

Look, we get it: sometimes you just want to floor it. You shouldn’t. But you want to. If you’re a high speed, high risk driver, well… you should really stop that. But in the meantime, you’re still going to need insurance.

Who Needs High Risk Driver’s Insurance?

There’s a thing called “extreme speeding,” and if you know what that is (and you’ve gotten a ticket for it in the past), you probably need high risk driver’s insurance. High risk driver’s insurance is required if you:

  • Were found speeding way, way over the limit (generally 20 MPH+).
  • Were caught with a DUI (often repeatedly).
  • Were responsible for a serious accident.

When you’re told to get high risk insurance, it’s often referred to as “SR-22 insurance.” But SR-22 is just the form that you need to prove to the court that you even have insurance.

What is High Risk Driver’s Insurance?

It’s expensive, is what it is. High risk driver’s insurance can be 10 times the cost or more of regular driver’s insurance because, well, you’re a high risk driver. And many auto insurance companies don’t want to insure high risk drivers at all. Instead of just saying “no,” they quote a very high fee.

There are things you can do to reduce the cost of high risk driver’s insurance. You can take driving classes, bundle it with other insurance policies, pay the policy on an annual (rather than monthly) basis, and ask for discounts (such as student or military discounts).

But realistically, there’s only one thing that makes high risk driver’s insurance affordable: waiting until you no longer need it. High risk driver’s insurance is usually only required for the first few years after an incident, so if you just wait to drive, you may be able to get normal insurance instead.

How to Get High Risk Insurance

Unfortunately, a lot of people aren’t in car-friendly areas and they need to drive. So what do you do? You need to call around to find an insurance company that handles high risk drivers, and then you need to get quotes. Be prepared for some extreme sticker shock: it’s really expensive.

If you had a DUI, you may be asked to get an ignition interlock: that’s the device that requires you to blow into it before the car starts, to make sure you haven’t been driving. That can reduce your rates, too.

Everyone makes mistakes, and some people are just bad drivers. If you need high risk insurance, you still have options. Just be prepared for them to be expensive ones.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Things Your Kids Don’t Want to Inherit From You

Downsizing is Tough, But an Important Step to Take…For Your Adult Children

Buying a Car? Look at the Big Picture

If You Are Just Buying a Car Based on Price, You may Be Overpaying

Protect Your Home with These 6 Items

It Doesn’t Take a Major Investment to Make Your Home More Secure

Little Known Facts of Our Favorite Games

Some of the Family Games We Play Have Interesting Origins

Some Common Mistakes of Small At-Home Businesses

Is Your Small Home-Based Business Guilty?

The Right Recipe For Your Life Insurance Program

What Are the Ingredients for Your Life Insurance Program?

Car Production Facts Which You May Not Know

Ford’s invention of the assembly line made cars affordable for millions of Americans. Read some interesting car production facts you may not have known.

When Pizza and Beer Isn’t Enough

Moving used to just take a pickup truck, some friends and pizza and beer. That may just not be enough anymore.

Saints, Forts and Presidents, Why Our Cities are Named What They Are.

Many US City Names Have their Origins in Common

The Business Plan Debate

Are Traditional Business Plans Still Viable?