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What is High-Risk Car Insurance?

Discover what high-risk car insurance is, including factors that classify drivers and how to find coverage despite a challenging driving record.

  • 12 Apr 2024
  • 2 min read

Insurers decide insurance premiums according to the risk profiling of car insurance applicants. High-risk car insurance can shoot up premiums, but what is high-risk car insurance, and how do insurance companies measure the risk element?

Let us understand the nuances in the following passages.

High-Risk Car Insurance

Some insurers may consider your insurance application a high-risk insurance case after assessing the following factors;

  • A history of frequent claims can put you in a high-risk zone and inflate your premium amount.
  • Young people (30-35) are less experienced drivers, which may trigger higher premiums.
  • Some locations fall into high-risk zones, given the high incidence of thefts and accidents. Car owners from such areas may need to pay higher premiums for high-risk car insurance.
  • Some insurance companies consider unmarried people high-risk insurance candidates compared to married people who enjoy lower premium car insurance policy. The logic supporting this view is that married people are financially stable and responsible drivers.

Also read:


Insurance companies consider these primary factors when categorising car insurance applications under high-risk and low-risk to determine the most suitable premium. Refer to the factors noted above and insure your vehicle now.

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