Start Of Main Content

What is high risk auto insurance?

Some cars and drivers are more likely to get into accidents than others. This high risk is reflected in their car insurance premiums.

Your driving record determines if you need high risk car insurance. For example, if you've been convicted of driving under the influence (DUI) of drugs or alcohol or have multiple violations such as speeding tickets, you may require high risk auto insurance.1

Get an auto insurance quote

Select a state

Continue a saved quote

Items needed for a quote

How to lower your high risk insurance cost

Even if you are considered a high risk driver for auto insurance now, there are some steps you can take that may lower the premiums insurance companies can offer you.

  • Get a free online auto insurance quote to get a realistic picture of what your costs might be based on your driving record.
  • Take a defensive driving course. Check with an agent for approved courses.
  • Trade in your car for a model with a better safety record or safety features.
  • Follow all traffic laws. Going three years without a ticket may result in a decrease in your premium.
  • Drive defensively. Significant discounts are available if you can avoid an accident for three years.

Talk to a State Farm® agent

Got more questions about vehicle insurance?

Get answers about auto insurance

Browse numerous articles from Simple Insights® on tips from what we’ve learned in the nearly 100 years we’ve been insuring drivers like yourself.

What is a SR-22?

You may need an SR-22 certificate of financial responsibility if your driving privileges have been taken away and you want to get back on the road.

What factors influence car insurance rates?

Coverage options, deductibles, and discounts may affect your policy cost, along with such things as your driving history, credit score (where permitted by law), and other third-party reports.

Latest car safety features becoming must haves

Today's new cars are packed with safety features. But which are most important?

Time to break these bad driving habits

Avoid dangerous driving situations with these tips.

Exploring car insurance coverages

Need something other than high risk insurance? We’ve got you covered.

1 Recent history is the most important factor. Accidents or tickets in the last 12 months will count more than an incident from five years ago.

State Farm Fire and Casualty Company
Bloomington, IL