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High-Risk and SR-22 Auto Insurance in Pennsylvania Explained

By Emily Schmidt

P icture this: you’re on the freeway heading home from an Eagles game in Philadelphia when you accidentally hit another driver who happens to be a Giants fan. Little did you know your insurance policy expired last week, and you forgot to renew it, so you were uninsured when you caused the accident. 

Those with a history of driving uninsured, at-fault accidents, or other risky choices behind the wheel are classified as high-risk drivers and may face legal consequences and expensive premiums on their car insurance policies in the Quaker State . 

Keep reading to find out who’s considered a high-risk driver in the state, what types of policies are available to drivers in this category, and how the high-risk insurance marketplace works in the state.

High-Risk Auto Insurance in Pennsylvania Explained

Auto insurance for high-risk drivers in Pennsylvania isn’t actually a separate type of insurance or coverage but rather a category a driver is placed in by their insurer that helps the insurer determine the driver’s premiums. A driver may be considered high-risk for various reasons, like having a history of at-fault accidents, driving without insurance, driving while intoxicated, or making otherwise risky decisions behind the wheel. 

While insurers mostly use these driving factors to deem a policyholder a high-risk driver, some other non-driving factors may contribute to this categorization, like one’s age , gender , ZIP code, or credit score. Insurers use these factors in tandem with a policyholder’s driving record to assess the risk they take by binding a policy with a driver. If a policyholder has several driving and non-driving factors that land them in a high-risk category, they will see higher premiums for their policy. 

For example, drivers that live in densely populated cities like Pittsburgh or Philadelphia typically pay higher premiums because they’re at higher risk of being involved in an accident and filing a claim with their insurer. So, insurers charge these policyholders higher premiums to compensate for the risk they take by insuring such a driver. 

What Is Pennsylvania Assigned Risk Auto Insurance?

In Pennsylvania, assigned risk auto insurance is a type of policy a high-risk driver can bind through a non-standard insurer. Many insurers won’t bind a policy with a high-risk driver, so they decline to cover drivers in this category. This means those who need coverage the most can’t get it through a standard insurer and must search elsewhere. Luckily, other insurers, often called non-standard or specialized insurers, offer assigned risk car insurance policies for those with difficulty binding with a standard insurer.

The Pennsylvania assigned risk auto insurance plan, or PA ARP is a pool in which high-risk drivers can enroll to be selected by a non-standard insurer willing to bind a policy with the driver. Both non-standard and standard insurers participate in this pool, but getting a policy with a standard insurer through the PA ARP isn’t the same as binding a policy with a standard insurer directly. 

While the PA ARP sounds like a perfect compromise for high-risk drivers, it has a downside. Assigned risk plans are often costly, making them a last resort for high-risk drivers. Since an assigned risk plan is so expensive, drivers aren’t allowed to enroll until they’ve proven they can’t get a policy directly from any standard or non-standard insurers. 

What Is SR-22 Insurance in Pennsylvania?

SR-22 insurance isn’t required in Pennsylvania. Instead, financial responsibility filing in Pennsylvania is verified by paying one’s insurance premiums to the full amount when they’re due. In states that require them, an SR-22 is a document a high-risk driver’s insurer files with the state on behalf of the policyholder to certify they have an active and sufficient car insurance policy and the financial means to pay the costs associated with the policy. While the document doesn’t exist in the Keystone State, drivers are still legally required to maintain an adequate policy at all times.

All drivers must have the minimum amount of coverage legally required in the state , which is $15,000 of bodily injury liability per person, $20,000 of bodily injury liability per accident, $5,000 of property damage liability per accident (15/30/5 liability coverage), and $5,000 of personal injury protection or PIP.  

Those who finance or lease their vehicles may be required by their lender or leaser to carry collision coverage and comprehensive coverage as a facet of their legally binding agreement. Drivers who fail to carry this coverage or fail to pay the premiums associated with this coverage will eventually run into serious legal trouble and face difficulty when attempting to bind a new policy.

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How To Find Car Insurance for High-Risk Drivers in Pennsylvania

Finding high-risk car insurance in Pennsylvania can be tough because many insurers avoid binding policies for drivers highly likely to file multiple claims. However, high-risk drivers can get the coverage they need in a few different ways. 

The first place to start your search for high-risk auto insurance is with one of the state’s top insurers , like State Farm or Geico, as they offer policies for some high-risk drivers. Starting your search with a standard insurer will eliminate any extra steps you may not need to take and guarantee you’re getting a policy through a highly reputable insurer with plenty of perks like optional coverages and an array of discounts. 

If you can’t find a standard insurer that will take you on as a policyholder, you may want to start searching for a non-standard insurer specializing in car insurance for high-risk drivers . Non-standard insurers are a great option for those who can’t find coverage elsewhere. Still, policies with such insurers typically come with an added cost and fewer benefits than those offered by standard insurers. 

As a last resort, those who can’t bind a policy directly with a standard or a non-standard insurer may need to enroll in the PA ARP. This system will randomly assign a driver to an insurer participating in the program. This is often a last resort because it’s typically the most expensive and restrictive option, as drivers at this stage have no choice but to bind a policy with the insurer to which they’re assigned. 

How To Get Affordable Car Insurance for High-Risk Drivers in Pennslyvania

The lowest cost car insurance for a high-risk driver in Pennsylvania can be found in several places. The best way to lower your premiums significantly is to have a minimum coverage policy that only contains the legally required amount of coverage in the state. The average premium for a full coverage policy in the Quaker State is about $1,660 annually for a low-risk driver, so the average premium for a minimum coverage policy will be about $830 annually. While high-risk drivers typically pay double or triple what a low-risk driver pays, a minimum coverage policy will always cost less than full coverage.

However, the cheapest policy in the state isn’t always the best option. Many drivers, especially those who’ve had at-fault accidents, prefer full coverage over minimum coverage. A policy that exceeds the legal coverage limits is always safer for the driver, their passengers, and other drivers on the road than a minimum coverage one. While a full coverage policy is more expensive than one that only meets the legal limits, it’s still possible to lower your premiums while maintaining adequate legal coverage.

The best way for drivers with a poor record to have a full coverage policy that doesn’t break the bank is to utilize discounts. Many insurers offer a variety of discounts, ranging from criteria-based to enrollment-based. Typically, criteria-based discounts like those for good students , those who bundle multiple policies , or those with multiple cars on the same policy may take up to 15% off your annual premium.

Enrollment-based discounts require a bit more from the policyholder but typically have a larger payoff, sometimes up to 20% off the policyholder’s annual premium. Some insurers offer drivers the option to enroll in a usage-based driving program in which they can use a telematics device to track and send their driving data to their insurer to receive a discount based on their driving score. With such programs, the better the score, the better the discount. 

Some insurers also offer pay-per-mile programs for drivers who drive below the national average of 12,000 miles annually. These programs allow drivers to only pay for what they need if they drive infrequently or don’t use their car for several months during the year.

If you’re a high-risk driver in Pennsylvania and you’re having a tough time finding a policy, the best way to start your search is to get and compare quotes online . By getting and comparing quotes online, you can ensure you’re getting a policy that meets all your needs but doesn’t break the bank.

Lucky for you, we have a free quoting tool right here at Clovered. Simply input some basic information about you, and in minutes, you can access quotes from a range of insurers across the Keystone State. If you prefer to speak with an agent about your quote or have any questions about high-risk insurance, you can contact one of our licensed agents at 833-255-4117 or [email protected] .

Rethink your auto insurance premium with a free quote from the nation's top companies.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.

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Compare Rates and Save on Auto Insurance

Best cheap car insurance companies for high-risk drivers in pennsylvania.

State Farm offers the best auto insurance to high-risk drivers in Pennsylvania, with an average annual insurance premium of $1,415, making it also the cheapest insurance for high-risk drivers in the state.

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On This Page:

• Cheapest for High-Risk Drivers
• Best for High-Risk Drivers
• Cheapest After a DUI
• Cheapest for Teen Drivers
• Cheapest for Bad Credit
• How Much It Costs
• Insurance for Rejected Applicants

Methodology

With a bad driving record, insurance companies may charge you a higher premium due to the risk they consider you to pose. However, by shopping around and comparing quotes from many high-risk insurers in Pennsylvania, you can find the best car insurance policy.

High-risk drivers in Pennsylvania can find a policy from State Farm that has great customer service and affordability. State Farm's policy is also the cheapest in the state for high-risk drivers, costing around $1,415 a year. Remember, your personalized insurance quote might vary greatly based on several variables.

Best Companies for High-Risk Drivers in 2023

Insurers commonly believe that high-risk drivers are more likely to file a claim. If you have a history of at-fault accidents, tickets or a DUI conviction, you may be considered a high-risk driver. Due to their inexperience on the road, insuring a teen driver is also seen as a risky proposition.

Insurance companies typically charge a higher premium to high-risk drivers to account for the higher likelihood of a claim. High-risk drivers in Pennsylvania should anticipate an auto insurance premium increase of around 27%.

A driver who has a history of serious traffic offenses is considered to be high-risk. These include drag racing, driving while intoxicated or under the influence of drugs or alcohol (DUI) and operating a vehicle while their license is suspended or revoked.

Despite having a spotless driving record, insurance companies may still view you as high-risk in specific circumstances. High-risk drivers include, for example:

• Drivers with a history of traffic violations or at-fault accidents
• Drivers with a DUI conviction
• Drivers caught driving with a suspended or revoked license
• Young drivers with a lack of driving experience
• Drivers who drive sports cars or participate in drag racing
• Drivers with bad credit or lapses in insurance coverage

Cheapest Car Insurance in Pennsylvania for High-Risk Drivers

According to MoneyGeek's research, State Farm offers the most affordable auto insurance in Pennsylvania for drivers who pose a higher risk to insurers. The average annual premium for a policy from this provider is $1,415.

For additional information on the insurer’s benefits, downsides and pricing, check out the detailed State Farm review provided by MoneyGeek.

Drivers convicted of major traffic violations or caught without insurance or a license need SR-22 insurance. SR-22 is a form that your insurer files to demonstrate your financial responsibility by confirming that you have a policy that meets the minimum state requirements.

Pennsylvania does not mandate drivers to have SR-22 insurance , but drivers should expect an increase in their car insurance in the state.

Best Car Insurance in Pennsylvania for High-Risk Drivers

Amongst the high-risk auto insurance companies in Pennsylvania, State Farm, with a score of 94 out of 100, is the best, as per MoneyGeek's analysis. Our State Farm review takes a comprehensive look at the company's coverage options, average rates and customer service to help you understand more about it.

Erie is the second-best in the state for high-risk drivers, with a total score of 93 out of 100.

by MoneyGeek

Affordability Rating

Satisfaction Rating

Claims Rating

Financial Stability Rating

In Pennsylvania, Erie's high-risk auto insurance costs approximately $1,529 annually. Its premium for high-risk drivers is roughly 22% more than for those with a clean driving record.

Erie is the second cheapest insurer for high-risk drivers in Pennsylvania. It only offers a few add-on coverages, including rental car reimbursement and accident forgiveness.

But the company doesn't offer common coverages like roadside assistance, gap insurance and rideshare insurance.

However, it offers nine discounts, including airbag, anti-lock brakes and young safe driver.

State Farm’s high-risk auto insurance costs around $1,415 per year in Pennsylvania. Its insurance premium for high-risk drivers is around 11% more than for drivers with clean histories.

State Farm is a nationwide insurer. It offers a few add-on coverages, including rideshare insurance, as well as discounts for students and drivers with cars that have airbags, anti-theft systems and for a new vehicle.

However, the company doesn't offer common coverages like accident forgiveness, better car replacement coverage or gap insurance.

Quality shouldn't have to be compromised while looking for auto policies on a budget. Finding low-cost auto insurance in Pennsylvania is possible. Even though there isn't a state-funded program for low-income drivers, choosing state minimum coverage or pay-per-mile insurance for those who rarely drive may be good options.

Cheapest Car Insurance in Pennsylvania for Drivers With a DUI

With an average annual cost of $1,377, MoneyGeek found State Farm's quote to be the cheapest in Pennsylvania for drivers with a DUI conviction. Learn more about the insurer's coverages, discounts and customer service by reading MoneyGeek’s State Farm review .

USAA is also often an inexpensive high-risk auto insurance option in the state for active and retired military personnel with a DUI.

The window of time during which a DUI conviction will remain on a driving record is referred to as the look-back period. The length of look-back periods can vary from state to state, but in general, they are long in order to accommodate stricter jail sentences or penalties for repeat offenders. The Commonwealth of Pennsylvania has a look-back period of 10 years.

Cheapest Car Insurance in Pennsylvania for Teenage Drivers

Teens and young drivers are generally considered high-risk. According to MoneyGeek's analysis, State Farm is the cheapest auto insurer in Pennsylvania for young drivers. The average annual premium for a State Farm auto insurance policy is $4,998 for teens.

Your age and other variables will affect your rate. Check our State Farm review to find out more about this insurance company.

Auto insurance rates may be prohibitively costly, particularly for teens and students. Full coverage auto insurance is preferable to the state minimum since the added protection it provides in the event of a collision is well worth the cost.

To find the cheapest and best auto insurance for teens and student drivers , you must shop around and compare prices in Pennsylvania.

Cheapest Car Insurance in Pennsylvania for Drivers With Bad Credit

According to MoneyGeek's research on auto insurance quotes with bad credit in Pennsylvania, Nationwide offers the most affordable rate. The average annual premium for a policy from Nationwide is $1,624 for those with bad credit.

Age and other criteria will affect your actual rate. Learn more about this insurance provider by reading our Nationwide review .

Those with poor credit in Pennsylvania should expect to pay much more for auto insurance than those with good credit. If you have bad credit, it shouldn't stop you from shopping around for good auto insurance. You can compare rates from insurers and find affordable auto insurance with bad credit .

How Much Does Car Insurance Cost for High-Risk Drivers in Pennsylvania?

When evaluating high-risk car insurance quotes in Pennsylvania, MoneyGeek found insurance companies generally consider driving history and other factors. As a result, the premium for high-risk drivers is usually higher.

High-risk drivers in Pennsylvania pay $2,182 on average each year for insurance compared to $1,557 for drivers with a clean record. The difference in cost is around $625.

Annual Car Insurance Cost in PA for Low-Risk vs. High-Risk Drivers

Low-Risk Driver

High-Risk Driver

This is 40 % more expensive .

MoneyGeek's Pennsylvania car insurance calculator will help you estimate the cost of a policy based on personal information such as your age, vehicle type, driving history and the coverage amount. Additionally, our tool can assist you in determining which element has the most significant impact on your price.

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Can You Still Get Car Insurance in Pennsylvania if Insurers Refuse to Insure You?

Due to the fact that auto insurance is a completely voluntary market, you may be denied coverage if a company feels you present too significant a risk. In the event that this occurs, your best course of action is to contact the Automobile Insurance Plan Service Office (AIPSO) to find a suitable plan from the residual market. This nationwide organization that is not-for-profit has been offering its services in the auto insurance residual market for the last 48 years, during which time it has assisted high-risk drivers in finding suitable insurance policies.

Pennsylvania Automobile Insurance Plan

You can find a residual market plan based on your location using the state-by-state database maintained by AIPSO. The Pennsylvania Assigned Risk Plan (PA ARP) is the residual market plan in Pennsylvania.

Applicants must certify that they've attempted and failed to obtain auto insurance in Pennsylvania during the past 60 days at rates in line with the Plan. All state insurers must be certified by the Governing Committee according to the Insurance Commissioner's requirements and procedures.

Office Hours

Monday–Friday, 8:15 a.m.–4:30 p.m. ET

[email protected]

(401) 946-2800

(855) 224-7349

Mailing Address

Northeast Region, 302 Central Ave., Johnston, RI 02919

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Frequently Asked Questions

It can be difficult to obtain insurance coverage if you are considered a high-risk driver. To simplify the process, MoneyGeek addressed some frequently asked questions regarding Pennsylvania high-risk auto insurance.

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MoneyGeek found that State Farm is the best auto insurer for high-risk drivers in Pennsylvania.

How much does car insurance in Pennsylvania cost for high-risk drivers?

According to MoneyGeek, the following average rates in Pennsylvania apply to different categories of high-risk drivers:

• High-risk driver with a DUI: $1,377 per year
• Teenage drivers: $4,998 per year
• High-risk driver with bad credit: $1,624

Who do insurers classify as a high-risk driver?

Insurance companies may classify you as a high-risk driver for having multiple at-fault accidents, repeated fines and violations or a DUI conviction on your driving record. Being a teen also classifies you as a high-risk driver.

Where do I get car insurance coverage in Pennsylvania if insurers reject my application?

If Pennsylvania insurers refuse to cover you, you can apply for the Pennsylvania Assigned Risk Plan (PA ARP) by phoning the insurer at (401) 946-2800 or sending an email to [email protected]. The office is open Monday through Friday, between 8:15 a.m. and 4:30 p.m. Eastern Time.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC , NBC News and Mashable .

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

• AIPSO . " AIPSO’s Value to the Insurance Industry ." Accessed September 13, 2022 .
• AIPSO . " Pennsylvania Assigned Risk Plan ." Accessed September 13, 2022 .
• Responsibility.org . " State Law: DUI Look-Back Periods ." Accessed September 13, 2022 .

Car insurance for high-risk drivers in Pennsylvania

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If you’ve been convicted of a DUI or have multiple speeding tickets or at-fault accidents on your record, insurance companies might label you as a high-risk driver. High-risk drivers typically pay higher-than-average insurance premiums, as they may be considered riskier to insure than drivers without violations on their records. In more extreme cases, high-risk drivers may not be able to get coverage through a traditional carrier. That may seem scary, but if you’re a high-risk driver in Pennsylvania, you likely still have options for insuring your vehicle .

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Rates for high-risk car insurance in Pennsylvania

Insurance rates are based on several factors , but driving history is typically one of the most important. If you have a DUI, multiple speeding tickets or more than one at-fault accident on your record, it may be harder to find affordable coverage. Below we detail how different events may affect your car insurance rates in Pennsylvania. The rates listed below are for full coverage car insurance, which includes collision and comprehensive coverage .

Rates after a speeding ticket

Shopping around to compare quotes from different carriers may help you find the most affordable rates for your situation. You will find that various insurance carriers weigh speeding ticket convictions differently and may increase auto insurance premiums by different amounts. The rates below are for a driver with a single speeding ticket conviction.

As you can see, your rate increase may vary greatly after a speeding ticket based on the carrier you choose. While the average insurance rate increase in Pennsylvania following a speeding ticket is about 12 percent, all three of the carriers above have average increases below that figure.

Rates after an accident

Car accidents can be expensive, and if you’re the at-fault driver , you might experience a significant insurance premium increase following the incident. Some companies offer accident forgiveness programs for eligible drivers, which could protect you from a rate increase following your first at-fault accident. However, you would need to have this coverage in place before the incident to reap its benefits. These average rates are for drivers with a single at-fault accident on their record.

Not all carriers treat accidents equally, but some may have steeper rate increases than others. Fortunately, most insurance companies only increase your premium for three to five years following an accident as long as you maintain a clean driving record.

Rates after a DUI

Driving under the influence of alcohol or controlled substances is a serious offense. Besides the risk of causing fatalities, the average DUI might ultimately cost the offender between $10,000 and $25,000 in increased insurance costs, license reinstatement fees and legal expenses.

In some states, though not Pennsylvania, a DUI conviction means you will need to obtain an SR-22 , a certificate that your insurer files to state that you meet at least the minimum insurance requirements . Even without an SR-22 requirement, Pennsylvania high-risk drivers can typically expect significant increases in their car insurance following a DUI. The rates below are for a driver with a single DUI conviction.

Some car insurance companies are more willing to work with high-risk drivers than others. As you can see, Progressive may offer a less severe rate increase than Geico, but there is no guarantee that you will be eligible for coverage with a DUI. Keep in mind that multiple offenses will result in even higher increases, and some insurers may opt to nonrenew your coverage.

Rate for teen drivers

It may surprise you to know that even teen drivers with a clean driving record may be considered high-risk. The average crash rate for teen drivers is roughly four times higher than that of other age groups. Lack of experience behind the wheel typically prompts insurance companies to charge higher average rates for teen drivers, even on their parents’ policy.

*Rates are for a 16-year-old on their married parents’ policy

Although teen drivers may experience high average rates, it might be easier to find coverage with a teen driver than it is if you have multiple-driving incidents on your record. If you have a teen driver in your home and are looking to save money on your car insurance, you might consider looking for young driver discounts . These may include discounts for enrolling in a telematics program or maintaining good grades.

Who is considered a high-risk driver?

A high-risk driver is someone who insurance companies believe is more likely to be involved in a costly accident. You may be classified as a high-risk driver by an insurance carrier based on your driving record, but there may be other factors involved, such as age. For our purposes, we calculated the rate increases for high-risk drivers in Pennsylvania based on a clean driving record plus one high-risk factor, such as an at-fault accident or the driver’s age.

Some insurance companies may deny coverage to high-risk drivers or dramatically increase insurance premiums. Also, Pennsylvania may suspend or revoke your driver’s license if you are convicted of reckless driving, driving with a suspended license, a DUI and more. Drivers classified as high-risk drivers may have been:

• At fault in one or more accidents
• Convicted of one or more DUIs
• Cited for one or more speeding tickets

Teen drivers are generally considered high-risk even if they are good drivers, but this is usually only temporary. As drivers age out of their teens and gain more experience behind the wheel, they typically see their rates decreasing accordingly, until their 70s.

How to lower your rate if you’re a high-risk driver

If you’re a high-risk driver that has experienced a premium increase, there may still be ways to save on your insurance . These strategies may help offset your rate increase:

• Practice safe driving: In Pennsylvania, points only stay on your license for one year as long as you have no new violations in that time period. Maintaining a safe driving record after a high-risk incident may lead to lower rates over time.
• Enroll in a telematics program: Telematics programs are available from many insurance companies and might help you save on your premium by tracking your driving habits in real time. Potential savings may be available for safe driving and low mileage.
• Shop around: As demonstrated above, different carriers weigh factors differently when determining premiums. If you have a high-risk incident on your record or a young driver in your home, you might find a lower rate by comparing quotes from various companies.

Frequently asked questions

How much is high-risk insurance in pennsylvania, are teens considered high-risk drivers, why is my car insurance more expensive after a speeding ticket, do i need an sr-22 in pennsylvania for a dui, methodology.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Incidents : Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Teens: Rates were determined by adding a 16-year-old teen to a 40-year-old married parent’s policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

These are sample rates and should only be used for comparative purposes.

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• Auto Insurance Glossary
• Assigned Risk

What is an Assigned Risk in Car Insurance?

<lingo>Assigned risk is a type of automobile insurance plan designed to help high-risk drivers get automobile insurance coverage to put them in compliance with their state's automobile insurance requirements. Companies who wish to sell insurance in a state will be assigned these high-risk cases. High-risk drivers applying for coverage in a state will be assigned to one of these participating companies. This, in essence, has insurance providers sharing the risks involved in covering these high-risk drivers while facilitating coverage for drivers with a high-risk history.</lingo>

Assigned Risk Briefly Explained

Since all states have some form of auto insurance or financial responsibility requirements to operate a vehicle legally, provisions had to be made for higher risk drivers to comply with these regulations. Assigned risk is the solution. When a high-risk driver applies for insurance in a state and doesn't qualify for standard insurance rates, they will be “assigned” to an insurance provider licensed to sell auto insurance in the state.

<twitter>Assigned risk is a type of automobile insurance plan designed to help high-risk drivers get automobile insurance coverage</twitter>

Typically, drivers who have accumulated a large amount of points on their driving records, have been involved in multiple accidents or have received a DUI are considered high risk. Assigned risk policies can be expensive so drivers can benefit from qualifying for standard automobile insurance coverage.

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