Yes. Geico does insure high-risk drivers. For example, Geico will insure high-risk drivers who have to file an SR-22 or FR-44 form, asserting that they’re carrying the minimum insurance coverage required by state law after a DUI or other major moving violation. However, keep in mind that risky drivers are typically charged more expensive insurance premiums.
High-risk drivers aren’t just those who have been in several accidents or received many tickets. Teenage or senior (65+) drivers and drivers who haven’t had continuous auto insurance coverage are also considered high-risk drivers in the eyes of auto insurance providers. Since so many different factors go into determining a driver’s potential risk, such as one’s driving record, credit history, residential area and type of vehicle, it’s unavoidable that Geico and most other car insurance companies will cover high-risk drivers to some degree.
Geico Insures High-Risk Drivers Who:
- Have little driving experience.
- Have a poor driving record.
- Have a gap in their insurance history.
- Have to file SR-22 or FR-44 (FL and VA residents) forms with the state.
- Have filed multiple claims.
- Live in a densely populated area.
- Are a teenage or senior (65+) driver.
- Drive a vehicle without safety features.
Sometimes, larger auto insurance companies group high-risk drivers under subsidiary companies to keep their policies separate from customers considered less risky. Geico’s high-risk subsidiary is Geico Casualty Co., and it specializes in coverage for customers that Geico calls “non-standard risks.” Geico uses its own points system to determine how much of a risk each customer poses, so customers don’t need to worry about seeking out the company’s high-risk subsidiary directly to get a quote or pay a bill.
You can get a free Geico car insurance quote online or by contacting an agent at 1-800-207-7847.
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