Yes, Allstate insures high-risk drivers. A high-risk driver is anyone who is more likely to file a car insurance claim than the average policyholder, including teenagers, drivers with a gap in their insurance history, and drivers with a poor record. Because high-risk drivers are more of a financial liability than the average policyholder, Allstate charges them a higher rate.
For example, drivers who have recently been convicted of DUI pay 202% more on average for their Allstate policy than drivers with a clean record. And if you have an at-fault accident on your record, Allstate will charge you an average of 66% more for coverage.
Allstate Insures High-Risk Drivers Who:
Have a poor driving record
Have a gap in their insurance history
Are required by their state to file an SR-22 or FR-44
Have filed multiple claims in the past few years
Are teenagers or seniors (65+)
Have poor credit
Drive a high-risk vehicle, like a sports car
You can get a free Allstate insurance quote online or by calling 1-800-676-5456.
You are considered a high-risk driver for 6 months to 10 years. It depends on how far back an insurance company looks in your official driving record and Comprehensive Loss Underwriting Exchange (CLUE) report for accident claims and moving violations, as well as the reason you were designated as risky in the first place. Not all auto insurance providers have the same rules regarding how long they consider someone a high-risk driver, and the “look back” time that insurance companies use when checking your driving record and claims history varies from company to company.… read full answer
Often, drivers have to wait for points they’ve accumulated from traffic tickets and moving violations to fall off their driving record, or become too old for an insurer to see, before their insurance provider will stop considering them a high-risk driver. Insurance companies use their own points systems to determine how much of a risk a driver poses and then calculate rates accordingly, but they generally follow the same timeline as the DMV when it comes to having those points fall off your driving record. That could take anywhere from 3 to 10 years.
Most minor traffic violations, such as speeding tickets or single-car accidents, typically stay on a driving record for 3 years. Major violations, like getting a DUI/DWI or fleeing an officer, will usually remain on your record for 5-10 years. You can request a copy of your auto insurance company’s point system, sometimes called a surcharge schedule, to get a better understanding of how accumulating points will affect your rate and how long the company may consider you a high-risk driver.
On the other hand, new drivers who have never had insurance, or drivers who have not maintained continuous insurance coverage, are usually only considered high-risk customers for the first term of their insurance policy (typically 6 months) so they can get established with a company or take steps to immediately improve their driving record, like by completing a defensive driving course. Teen drivers and adults with little or no history as an active driver are also considered high-risk drivers until they gain more driving experience.
Why Insurance Companies Could Consider You a High-Risk Driver:
You’re a teenage or senior driver.
You get a major traffic violation, like a DUI/DWI.
You accumulate enough points on your driving record (the threshold for rate increases is usually two or four).
You don’t have proof of at least six months of continuous insurance coverage.
Your credit score is low, or you have no credit history.
You rent rather than own your home.
The good news is you won’t be considered a high-risk driver forever, as long as you start driving responsibly and let enough time pass for your past violations to stop showing up on your DMV record. However, if you continue to get tickets, have accidents and/or let your insurance coverage lapse, you could be considered high-risk for as long as you’re an active driver.
High-risk insurance is auto insurance coverage for drivers with poor driving records, little driving history, or vehicles considered more likely to get into accidents by insurance providers. High-risk insurance is often called “non-standard insurance,” and it means different things to different auto insurance providers. The term “high-risk” can refer to drivers who pose a higher-than-average risk of getting into an accident or filing a claim, as well as drivers who are considered so risky that they are not eligible for traditional auto insurance.… read full answer
In serious cases, high-risk drivers may be required to file an SR-22 or FR-44 form with their state government to qualify for car insurance. High-risk drivers who have a hard time getting approved for coverage may also need to turn to special government-sponsored insurance pools, such as the New York Automobile Insurance Plan (NYAIP), the Florida Automobile Joint Underwriting Association, and the California Automobile Assigned Risk Plan.
Reasons You May Need High-Risk Insurance
You have been convicted of a DUI/DWI.
You are required to file an SR-22 form with the state because of another serious driving violation.
You are a teenager/young adult (under 25 years old) or senior (65+ years old).
Multiple traffic violations have been added to your driving history in the past 3-5 years.
You allowed your auto insurance to lapse.
You don’t have an insurance track record.
You are getting your driver’s license for the first time after the age of 25.
You have poor/no credit.
You drive a car that’s considered more likely to get into an accident.
High-risk insurance also takes the timeline of incidents on your driving record into account. Any tickets or accidents that have occurred more recently will weigh more heavily than incidents from several years ago.
How to Reduce the Likelihood of Needing High-Risk Insurance
There are several steps you can take to try to avoid having to carry high-risk insurance. For example, you can take a safe/defensive driving course certified by your state’s DMV, improve your credit score, drive a car model with a better safety record, or upgrade the safety features on your vehicle.
Having to get high-risk auto insurance is not a fate you’re necessarily stuck with, at least not forever. Also, keep in mind that while the term “high-risk insurance” is most commonly used in the auto insurance industry, there are also high-risk marine, business, property and life insurance policies.
A high-risk driver is someone who is much more likely to file an insurance claim than the average driver. Some of the most common attributes of high-risk drivers are a history of car accidents, multiple tickets and citations, bad credit, and a conviction for a serious offense like DUI. Regardless of the exact reason why you’re classified as a high-risk driver, it can have a serious impact on your ability to get affordable car insurance down the road.… read full answer
Here’s what makes someone a high-risk driver:
One or more car accidents in the last three years
Multiple tickets and citations
Lapse in coverage
Owning a sports car
Needing an SR-22 or FR-44
Being a new or teen driver
Living in a high-risk zip code
Although your driving record has the greatest impact on your high-risk status, other factors come into play, too. For example, a lapse in your auto insurance coverage can signal to insurers that you’re willing to take more risks and are therefore more likely to get into an accident. And if you live in an area that has a high crime rate, there’s a greater chance that your car will be damaged and you’ll file a claim.
Since high-risk drivers generally have an increased likelihood of filing a claim, they can have a more difficult time getting car insurance, and usually have to pay more for coverage. There’s no quick fix, either, unfortunately. But the good thing is that your high-risk status isn’t permanent. If you practice good habits and drive safely, your risk will drop over time. How far back an insurer looks back at your driving record depends on the company, but most minor traffic violations only stay on your driving record for 3-5 years.
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