Cheap Car Insurance For High Risk Drivers

Finding affordable car insurance is hard for high risk drivers. As you may already know, insurers charge high risk drivers higher premiums. Finding affordable car insurance can be a difficult but not impossible.

Who is considered a high risk driver?

When determining whether a driver is high risk or not, insurers use a number of factors. The most important ones are - age and experience, driving history and credit rating.

New drivers - statistically, young drivers are involved in more accidents than anyone else. Considering such claims, insurance companies have no option but to put young drivers in the high risk group. Insurance rates for teenage boys in particular are quite high, especially for those driving faster cars.

Senior citizens - usually, as senior citizens are considered people who are over 65 years old. Some people suggest, that senior citizens rarely drive sports cars and have a lot of experience. 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 without insurance, driving drunk, have a few traffic violations or you have caused an accident, you can fully expect to pay more. You may be required to have SR22 or in some cases even FR44 as part of your policy.

Bad credit rating - the use of credit score by insurance companies is seen as unfair by a lot of people. Fact is that in recent years credit score has become a major factor as far as insurance companies are concerned. 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?

For young drivers, the most important think to pay attention to 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. Always carrying at least the minimum insurance coverage required and avoiding drink driving is common sense. 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 considered as "insurance friendly".

Taking a defence driving course is really usefull, particularly for senior drivers.

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


Getting quotes from at least 3 insurance companies 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