High-Risk Auto Insurance

If you’re a high-risk driver, chances are you’ve had trouble finding affordable auto insurance. It’s an unfortunate situation, but those drivers who are considered risky to insure have to pay higher rates for car insurance.

The most common classification for a high-risk driver is one who has been charged with a DUI/DWI. Because these motorists are more likely to cause an accident, they will need to pay higher premiums. Be sure to visit the Good2Go Insurance state pages to learn more about your state’s car insurance laws including DUI/DWI laws.

In addition to drivers who have been convicted of DUIs/DWIs, if your driver’s license has been suspended, you may be required to fill out an SR-22 policy in order to get your driving privileges reinstated. An SR-22 form proves that you have valid auto insurance for your vehicle. High-risk drivers are more likely to carry one of these policies, especially those who have been convicted of a DUI/DWI.

A driver may be considered a high-risk if he or she falls into one of these categories:

  • Newly licensed driver
  • Young/Teen driver
  • Live in a high-risk area
  • Have no prior auto insurance coverage
  • Has multiple traffic violations
  • Involvement in car accidents
  • Poor credit history
  • Elderly driver (70 years or older)


Luckily for you, Good2Go Insurance specializes in high-risk auto insurance!

High-risk auto insurance, also known as non-standard insurance, is typically more expensive to purchase than standard coverage because high-risk drivers are at a higher financial risk to insure, but we understand how important it is for you to have your car, so we help high-risk drivers find the minimum limits that’s right for them.

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