Skip to the content

Non-Standard/High Risk Auto Insurance

HighRiskThe reality is that some cars and drivers need high risk auto insurance in Wisconsin. Some drivers and vehicles tend to accidents than others. When a car or driver is considered high risk then higher premium payments tend to go along with that, too. is reflected in their car insurance premiums. But if you are high risk, we can help with all of this.

Your driving record is the main factor that determines whether or not you need high risk car insurance. For example, if you’ve been convicted of driving under the influence (DUI) of drugs or alcohol or have multiple violations such as speeding tickets, you may be considered a high risk driver. This often requires a different level of insurance coverage

Recent history is the most important factor in determining whether or not your rates will be affected. Accidents or tickets for moving violations received in last twelve months will count more than an incident from five years ago.

High Risk Car Insurance Cost
First, when you are looking to get a realistic picture of what your high risk car insurance cost might be simply ask us for a free quote, based on your driving record. If you are considered a high risk driver for auto insurance now, here are some steps you can take that may lower the premiums insurance companies can offer you in the future:

  • Trade in your car for a model with a better safety record or safety features.
  • Follow all traffic laws. Going three years without a ticket may result in a decrease in your premium.
  • Take a defensive driving course. Check with an agent for approved courses.
  • Significant discounts are available if you can avoid an accident for three years by driving defensively.

Get SR22 coverage