Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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Moving from High Risk to Standard Car Insurance

As far as auto insurance companies are concerned, there are two types of drivers: the low-risk and the high-risk driver. For example, if you have been recently convicted of driving under the influence (DUI), received multiple speeding tickets, or have a poor credit history; your insurer may categorize you as a high-risk driver.

This may prompt you to purchase a high-risk insurance policy or more commonly referred to as the non-standard insurance, which is typically much less affordable than the standard car insurance policy and also associated with higher rates.

However, purchasing a high-risk auto insurance policy does not mean you have to break the bank.

Moving From High-Risk to Standard

Here are a few ways you can move your high-risk status to standard.

Avoiding Accidents and Violations

While this may appear seemingly obvious, one of the quickest ways to move from non-standard insurance to standard insurance is by avoiding car accidents and traffic violations at all cost. However, there are some significant considerations to keep in mind. For instance, you have to consider the duration that you will have to keep your driving record clean before your status changes.

Luckily, state laws limit auto insurance companies to only factoring the preceding five years of a driver’s license into his risk profile. This implies that if you keep your driving record clean for a straight period of three years, you have a greater chance of being reinstated back to standard car insurance and see lower car insurance rates.

It is, however, important to note that some states allow auto insurers to look deeper into your driving history. Be sure to contact your insurer for details.

Fixing Your Credit

Most car insurance companies use credit information along with other factors to determine your auto insurance quote and to classify an insured according to his or her potential risk. If you have bad credit information, you may be categorized as high-risk to insure.

The initial step to boosting you credit information is knowing your credit score. Subsequently, you can repair any errors on your report by, pay your bills on time, and work with your creditor on ways to pay off your debts. Most companies offer free credit information and reports online.

Purchasing a Safe, Not Expensive Car

While owning that luxurious, sporty car may seem like a dream come true, the same car could be the cause for your categorization as a high-risk driver.

When buying a car consider its insurance cost. This is particularly true for high-end-super-cars and sports cars. Because of the cost of these vehicles, you can raise your risk profile. In return, you may discover that the cost of insuring such a car is not worth owning one.

If you must own such a luxurious car, shop carefully for your car insurance because not all auto insurance companies specialize in covering these types of vehicles.

Taking Defensive Driving Courses

Your driving history plays a very crucial part in how your auto insurer will rate you. For example, if your history shows evidence of traffic violations, accidents or driving while intoxicated you can be categorized as a high-risk driver.

Fortunately, most states allow convicted drivers to take defensive driving courses to reduce car insurance premiums as well as earn a car insurance discount. These courses may be taken online or in a classroom setting.

While there are a variety of ways you can improve your car insurance rating, the most efficient and affordable options is improving the way you drive. Stay safe, avoid traffic violations, and you will soon re-enter the standard car insurance tier.