High-risk drivers may purchase coverage from an agency specializing in high-risk drivers, according to U.S. News and World Report. Drivers in every state except New Hampshire are required by law to purchase insurance and many agencies are legally required to offer insurance regardless of driving history.
Coverage is available for drivers with bad driving records, although such policies may be significantly more expensive than traditional car insurance, as U.S. News and World Report explains. Not all agencies are required to offer high-risk insurance, as this type of policy often carries higher risk and expense for the insurer. Drivers may reduce their policy expenses by shopping at different agencies for the lowest policy prices and choosing to drive a car with lower insurance costs. Cars that are more expensive to purchase, replace or repair may increase insurance policy costs for the driver.
Typical insurance costs for high-risk drivers decline after three to five years of driving without additional accidents or tickets, as U.S. News and World Report claims. Many high-risk drivers pay 10 to 15 percent higher insurance premium rates than drivers with a clean record. Drivers may be eligible for standard car insurance again after time passes without additional accidents.