# High Risk Driver Auto Insurance Options and Solutions You Can Trust


When you’re classified as a high-risk driver, finding automobile insurance can be costly and frustrating. Understanding your options can help you get good coverage and save money over time. If you’re curious about the average cost of high risk auto insurance, it’s different for everybody depending on your history, location, and provider. Nonetheless, savvy shopping can uncover some surprisingly reasonable rates.

## Who Is a High-Risk Driver?
Here are the factors insurers take into account when determining whether you’re high risk:
* **Accident Record:** Several at-fault accidents can rapidly increase your risk profile.
* **Traffic Violations:** DUI convictions, reckless driving, or multiple speeding tickets can work against you and label you a high-risk driver.
* **Bad Credit:** In some states, having bad credit can result in higher insurance premiums, even if you have a stellar driving record.
* **New Drivers or Lack of Coverage:** Insurers might think you’re risky if you’re a new driver, or if you have a spotty insurance history.

Being in any of these groups could lead insurers to charge you more because you’re seen as likely to file claims. But if you’re branded high risk, that doesn’t mean you’ll be paying sky-high rates forever. Fortunately, it’s possible to turn things around and increase your standing over time in practical ways.

## Insurance Options for High-Risk Drivers
Even if you are considered high risk, there are lots of coverage options still available:

* **Non-Standard Insurance Companies:** They provide auto insurance for high-risk drivers. They have lenient policies tailored for those with less-than-perfect records.
* **Assigned Risk Pools:** If a car insurer has rejected you, some states have what are called assigned risk pools. These assign you to a car insurer so that, by law, you’re still covered.
* **State-Mandated Llans:** Some states have special plans. These plans ensure that you can get at least some form of coverage, even if private insurers do not want to insure you.

When it comes to driving records, [**ConsumerCoverage**](https://www.consumercoverage.com/) has you covered. We work with the best insurers who can handle all types of drivers, including the difficult ones. In minutes, you can compare multiple quotes and secure coverage that works for you.

## Solutions to Lower Your Rates
There are alternatives, and you can work to minimize your insurance costs over time:

* **Simply Drive Safely:** Keep your hands clean from accidents and tickets. Your driving record will show improvement over time and you will become more desirable to the insurance companies.
* **Defensive Driving Courses:** Some insurers will give you a discount if you complete an approved safety course, and it also shows your commitment to safe driving.
* **Boost Your Credit:** A higher score can get you lower rates in most states. On-time payments and reduced debt can have a big effect.
* **Shop Around:** One of the fastest ways you can get the best auto insurance for high risk drivers at a price you can manage is to compare quotes.
* **Inquire About Discounts:** Some insurers will discount even high-risk drivers these days. Whether it’s for bundling auto and homeowners policies, low mileage, safety features or good students.

You need to review your policy each year, as minor upticks in your score may make you eligible for better rates. Staying proactive is key.

## Get the Coverage You Deserve
Locating and choosing high risk driver auto insurance can sometimes seem overwhelming, but you’re not in this alone. With ConsumerCoverage, comparing personalized quotes from the most reputable insurers (including those geared toward high-risk plans) is easy.

If you wonder about what the [**average cost of high risk auto insurance**](https://www.consumercoverage.com/auto/high-risk-auto-insurance) could be for your personal situation, we can help. Start now with a no-obligation, free quote and find out how much you can save! And with the right resources and the help of experienced partners, even high-risk drivers can find better coverage and peace of mind.

Don't hesitate Act now and take control of your insurance costs with Consumer Coverage and be back on the road in no time. Compare rates, find the best option for you, and drive knowing you’re covered.