Insurance Institute for Highway Safety

Independent scientific organisation that studies crash risk, vehicle safety and driver behaviour.

Why we point readers here

Its research explains why certain drivers and vehicles cost more to insure, which is the foundation of most pricing differences.

How to use it alongside this site

Use Insurance Institute for Highway Safety to verify the factual basis for anything you read here about car insurance for high risk drivers. When this site summarises a statistic or a rule, the primary wording is on the source's own pages. The link below opens the official site; we do not control its content.