High risk driver insurance

High risk driver insurance defines a category of auto coverage for motorists identified by insurers as statistically more likely to file claims due to factors such as DUIs, multiple at-fault accidents, or serious traffic violations; insurers determine high-risk status using data including driving history and points on licenses; premiums for high risk driver insurance typically cost 50% to 100% more than standard policies, with sources like the National Association of Insurance Commissioners reporting averages of $2,500–$4,000 annually; companies such as The General, Progressive, and Dairyland specialize in offering non-standard policies to high-risk drivers; drivers with a DUI on record see average insurance increases of $1,000–$1,500 per year according to Forbes Advisor analysis; required documentation often includes an SR-22 form filed by insurers with state DMVs following license suspensions or major violations; high risk driver insurance covers liabilities like property damage and bodily injury but may restrict options for comprehensive or collision add-ons from providers such as Geico or State Farm; eligibility periods for being classified “high risk” generally last three to five years after major incidents according to industry statistics; drivers can lower premiums by taking defensive driving courses or maintaining a clean driving record over time, leading to rate reductions reported at up to 20%; state regulations mandate that all drivers–including those considered high risk–must maintain minimum liability coverage levels set by each state’s law.