Glossary term
High-risk driver
High-risk driver: An insurer's classification for a driver whose record or profile predicts above-average claims—DUI, at-fault accidents, multiple violations, lapses, inexperience. Each insurer defines it differently.
Where this term matters
Guides and entries on this site that use the term.
Guide
What Makes a Driver High-Risk to Insurers
The events and characteristics that move a driver into the high-risk category—DUI, at-fault accidents, multiple tickets, lapses, inexperience, certain vehicles—and how insurers decide.
Entry
What to Do When Auto Insurers Decline Your Application
Learn why auto insurers reject applications, how non-standard carriers differ from assigned-risk plans, and the steps to secure coverage when declined.
Entry
High-Risk Auto Insurance After Multiple Speeding Tickets
Understand how multiple speeding violations impact your car insurance rates, how insurer lookback periods work, and proven ways to lower your premium.