AUTO

High Risk Auto Insurance from State Farm®

Let's be honest. Some cars and drivers are simply more likely to get into accidents than others. And the fact that they're high risk is reflected in their car insurance premiums.

Your driving record will determine if you need high risk car insurance. For example, if you've been convicted of driving under the influence of drugs or alcohol or have multiple speeding tickets, you may be placed in a high risk category, requiring special high risk auto insurance. 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.

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What if You Are in a High Risk Group for Car Insurance?

So what can you do if you're in a high risk group for car insurance?

First, get a free online auto insurance quote to get a realistic picture of what your cost might be, based on your driving record.

Even if you need high risk auto insurance now, here are some steps you can take that may lower your cost:

  • 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 an Agent or get a free online auto insurance quote to find out what State Farm can do for you if you need high risk auto insurance.

See what discounts are available in your state.

Check out our Learning Center for tips on how to save money on auto insurance.

Learn safe driving tips and driving tips for teens.