California High Risk Auto Insurance FAQs

Are you considered high risk?

If you have a bad driving record with incidents such as speeding tickets, accidents, and prior claims insurance companies may deem you to be high risk. In some cases you can also be considered high risk based on the area you live in. Bigger cities typically have higher insurance rates because they have more traffic and accidents.

What is high risk auto insurance?

If you are considered high risk most insurance companies will not insure you but we are here to help. Our agency can provide auto insurance to individuals considered to be high risk all across the state of California.

How long do violations stay on your driving record?

Violations such as speeding tickets and other traffic infractions typically stay on your driving record for a period of three years in California. Most insurance companies only consider the past three years of your driving record when determining insurance rates.

Why are some insurance companies refusing to insure you?

Some insurance companies in California do not write new policies for high risk drivers because they do not want the risk.

Will your insurance rates ever go down?

In most cases your insurance rate will decrease over time as accidents, claims, or violations fall off your driving record. If you have gotten yourself in a position where you are considered to be high risk it is very important that you drive very safe and make sure you don’t get any new traffic infractions.

Can you purchase regular coverages on a high risk insurance policy?

High risk auto insurance is a regular auto policy that meets California state law and you have all the same coverage options that are available on a normal auto policy. One of our agents can help guide you through purchasing a policy that fits your needs.

How long do accidents and claims stay on your record?

Accidents and claims typically stay on your insurance record for a period of three years in California. Most insurance companies only consider the past three years of your insurance record when determining insurance rates but some do consider the past five years when it comes to accidents.

Why is insurance more expensive for high risk drivers?

Insurance is based on risk and insurance companies have to collect a premium amount based on the risk they are accepting by insuring you. They must charge a higher rate for high risk drivers because they are more likely to get into an accident or have a claim.

How much does high risk auto insurance cost in California?

Insurance rates are determined by many factors including age, location, driving record, and claims history. Individuals that are considered high risk typically have a higher rate since they are more likely to get into an accident.