Getting car insurance is simple for most drivers, but things can become complicated if insurance companies see you as a "high-risk driver." These companies often charge more or might not provide full coverage because they see you as a bigger risk. The good news is that even if they label you high-risk, you can still find good, affordable coverage by knowing where to search and planning.

This guide explains high-risk drivers, how insurers assess risk, and ways to secure affordable, reliable car insurance.

What Is a High-Risk Driver?

Insurers don’t label high-risk drivers as reckless; they classify them based on factors indicating a higher likelihood of claims or accidents. These factors include things like: