Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 7, 2020

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Key takeaways...

  • High-risk drivers always pay more for their car insurance than low-risk drivers
  • Having points added to a driving record is not a good thing
  • Driving without car insurance means that these drivers are risking possible jail time

Several reasons exist for why people cannot get affordable car insurance rates.

It can be because of something that these drivers have done, but it can also be because of something that they either have no control over.

Car insurance companies set car insurance rates based on the amount of risk that an applicant presents.

If the person is a high risk, this driver is more likely to need to take advantage of the car insurance policy. For this reason, the car insurance company will charge a higher rate.

Following are some common reasons that people will be placed in the high-risk category.

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Too Many Tickets for Speeding, Reckless Driving or DUI/DWI

What makes a car insurance company begin to believe that drivers are dangerous is if these drivers have several tickets for moving violations.

With each ticket, drivers receive a number of points added to their driving records; the number of points depends on which state the driver lives.

Having points added to a driving record is not a good thing.

When drivers are looking for a new policy, the car insurance company will pull their driving records.

If the company learns that these applicants have a lot of points, they will either refuse to sell these people a policy or they will charge higher rates.

The most dangerous drivers on the roads are considered to be those who have drunken driving convictions. Close behind these drivers are those who drive faster than the speed limit and recklessly.

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Allowing Their Car Insurance Policies to Lapse

Driving without car insurance means that these drivers are risking possible jail time, losing their licenses to revocation or suspension and having their vehicles impounded.

This makes these people risk-takers and high risks in general for car insurance companies.

Higher car insurance is just one of the consequences of having a lapse in car insurance coverage.

People will allow their car insurance policies to lapse because they may have experienced an increase in their rates and they became cost-prohibitive.

After they are caught, they will be required to prove to the DMV that they have purchased a new policy to have their licenses reinstated.

Age and Gender

When drivers are new, it doesn’t matter how old they are, they are inexperienced.

Car insurance companies know that these drivers are going to have a higher instance of causing an accident until they gain some experience.

What makes it worse for some new drivers is if they are also male.

Male drivers under the age of 25 are known to the car insurance companies as very reckless drivers.

Because members of this age group are known as risk-takers, every member is placed in the high-risk category whether this fits their personalities or not.

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Low Credit Scores

Not every car insurance company checks on new applicants’ credit scores, but those who do are seeking applicants with the highest credit scores to whom they will offer the lowest rates.

Wondering which companies do not check your credit score?

Here is a list of no credit check car insurance companies. High credit scores mean that people pay their bills responsibly, and they are less likely to cause accidents.

In contrast, car insurance companies are aware of the trend that shows people with lower credit scores being the most likely to file a claim with their car insurance companies and they are placed in the higher risk category.

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Type of Vehicle

Some people drive cars that require expensive repairs when they are damaged in collisions.

Car insurance companies believe is that drivers of sports cars often drive too fast.

The fact is that this appears to be true; sports car drivers are enticed to drive faster than the rest of the population because they are driving a vehicle that is high-powered.

Sports cars and other high-performance vehicles entitle the owners to the higher rates.

Comparing Quotes for the Lowest Rates

The reasons car insurance companies charge their clients more for their coverage is avoidable.

Implementing safe driving habits, improve their credit score, and even take a safe driving course.

Those who have DUIs, a high-performance vehicle, or are male and under 25 can find lower car insurance rates if they participate in comparison shopping.

Use our FREE online comparison to find affordable quotes! Enter your zip code to get started now!