When is high-risk auto insurance required?

High-risk auto insurance is at least 20% more expensive than average. However, insurance companies like State Farm and American Family can get you cheaper high-risk insurance rates. If you’re a high-risk driver for traffic reasons, you may require certification. But some non-driving factors could make you a high-risk driver. Shop around and compare multiple insurance companies to secure affordable high-risk car insurance.

UPDATED: Feb 20, 2024Fact Checked

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D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Professor & Published Author

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Feb 20, 2024

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