Bond Insurance provides a financial guarantee that contractual or legal obligations will be fulfilled, protecting against losses if they are not.
High-Risk Auto Insurance
Get covered. Stay legal. Get back on the road with confidence.
If you’ve been labeled a high-risk driver, finding reliable auto insurance can feel challenging — but coverage is still within reach. High-Risk Auto Insurance is designed to help drivers who face higher premiums or limited options secure the coverage they need to drive legally and responsibly.
Our agency works with specialized insurers to help high-risk drivers obtain compliant, affordable coverage tailored to their situation.
What Is High-Risk Auto Insurance?
High-Risk Auto Insurance is coverage designed for drivers who are considered a higher risk by insurance companies due to factors such as driving history, claims frequency, or gaps in prior coverage. While premiums may be higher, this insurance provides essential protection and meets state-required auto insurance laws.
Common reasons a driver may need high-risk auto insurance include multiple traffic violations, at-fault accidents, DUI/DWI convictions, license suspensions, or being required to file an SR-22 or FR-44.
Why Is High-Risk Auto Insurance Important?
Meet Legal Requirements
Many drivers need high-risk auto insurance to comply with state laws, reinstate their license, or maintain proof of financial responsibility.
Financial Protection
Provides coverage for bodily injury, property damage, and other losses if you are involved in an accident.
Restore Driving Privileges
Helps drivers regain or maintain legal driving status after violations or suspensions.
Path to Lower Rates
Maintaining continuous coverage and improving your driving record can help you qualify for standard insurance rates over time.
