The term "high-risk driver" isn't a formal insurance or legal term, and the definition varies between insurance companies. However, high-risk drivers usually experienced numerous car accidents, racked up on driver's license points, or were convicted of driving under the influence. 

This blog will guide you through what makes a high-driver risk and how it affects your insurance. 

What Is a High-Risk Driver?

Even though insurance companies may have various definitions for what makes a driver high risk, they continually evaluate their drivers for risk. In general, high-risk drivers are people who:

• Received multiple speeding tickets or other traffic violations.
• Were convicted of driving under the influence or driving while intoxicated.
• Have been in numerous at-fault accidents in the last three to five years. 
• Have accumulated points on their driver record. 
• Had to file an SR-22 or FR-44, which is required if you fail to maintain auto insurance.

Many insurance companies consider less experienced or young drivers as risky drivers but not high-risk.  

The Cost of Being a High-Risk Driver

Being a high-risk driver can come with high costs and expensive insurance. Some companies only give insurance to individuals with clean driving records, while others offer high-risk or non-standard auto insurance. 

Searching for affordable high-risk insurance can be challenging. Luckily, if you're looking for affordable auto insurance in California for a high-risk driver, Saferoad Insurance Services can offer you an excellent deal!

How Long Is a Driver Labeled High-Risk?

An insurance company will look at your driving history from the past five years in most cases. However, some insurers will only look back at the last three years. It can help to do what you can to remove points from your driver’s license. But even if your points disappear from your state driving record, convictions such as DUIs and DWIs can remain on your record permanently.  

Some insurance companies reward drivers for attending defensive driving courses or practicing safe driving. Take the practical steps toward cleaning up your driving record so that you can fall into the category of a low-risk driver.

Find out if you’re paying too much for your insurance. Contact Saferoad Insurance today for a quote. Switching car insurance companies might save you considerable money.