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Factors that Define High-Risk Drivers

Discover key factors defining high-risk drivers, including driving history, age, vehicle type, location, and other elements impacting insurance rates.

  • 12 Apr 2024
  • 2 min read

The roads are silent witnesses to the way all sorts of drivers operate, each with a unique set of driving behaviours. Amidst all these are certain factors, including road safety issues and insurance, which differentiate high-risk drivers from their low-risk counterparts. This blog briefly discusses the key characteristics of high-risk drivers, including their need for high-risk insurance.

First, let’s understand which category of drivers fall under the high-risk driver category. A high-risk driver is someone more likely to be involved in accidents and vehicle insurance claims. Various factors contribute to this categorisation of drivers, including demographic and behavioural aspects.

Insights Into Characteristics That Affect Your Driving Profile


One of the common factors that defines high-risk drivers is age. While older people can be categorised as high-risk given their potential health issues, lack of experience prompts this profiling for younger people.

Claim history:

When an individual has a long history of insurance claims, regardless of reason and fault, they may be profiled as high-risk drivers. Insurance companies assess past incidents to interpret the likelihood of future claims a driver will likely make.


A driver’s physical location can also help determine the risk. A driver’s physical location can also help determine the risk. Since urban areas are prone to more accidents, the risk profile of drivers dwelling in such regions gets impacted by the high traffic levels.

Marital status:

Surprising as it may seem, the marital status of a driver can help profile them as high- or low-risk. Married individuals are perceived as more likely to be responsible, which also accounts for lower insurance premiums, unlike their single counterparts.

Tips to Become a Low-risk Driver:

  • Beware of potential road hazards. Stay proactive and maintain a safe distance.
  • Adhere to permissible speed limits and drive as per road conditions.
  • Avoid distractions such as making phone calls, texting, etc.
  • Ensure your vehicle is in the optimum condition. Perform regular check-ups to prevent breakdown risks.
  • Adhere to traffic rules, including signals and signs.
  • Say no to driving under the influence of alcohol or drugs.
  • Be careful when parking your vehicle to avoid collisions.
  • Stay up-to-date with traffic rules and safety guidelines.

Also read:


So, what is high-risk car insurance? It is insurance applicable to high-risk drivers whereby the premium is comparatively higher, as the driving history of such individuals indicates they are more likely to be involved in crashes. All the same, it is best to secure oneself on the road with comprehensive four wheeler insurance. Besides providing financial protection in the event of unforeseen events, it also ensures legal compliance and peace of mind regardless of the driver’s risk profile.

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