If you’re a high-risk driver, you pay higher car insurance rates. Speeding tickets, crashes, lapses in insurance and DUIs increase the price of car insurance, even several years later.

When will your insurance rates go down? Should you switch car insurance companies or stick with your current insurer? How do you get an insurance rate based on the driver you are now, not the one you were years ago?

The answers to these questions depend on the infraction, your state laws and your insurance company. But the good news is that you won’t be a high-risk driver forever. If you keep your record clean — no new tickets, accidents or lapses in coverage and know the best time to start shopping for car insurance, you can get cheaper insurance rates.

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Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

High-risk driver behavior #1: Insurance lapse

Suppose you missed some payments on your insurance bill and your policy has lapsed. In that case, you may be considered a high-risk driver for six months after you’ve purchased a new policy, says David Suarez, Director of Business Development for Cover in California.

If you’re just late with a payment, your insurance company will usually grant you a grace period, he says, which typically ranges from 10 to 30 days, before canceling your policy.

Tip iconExpert tip

Stay with the same car insurance company for six months after buying a new policy. But once you’ve paid on time for six months, it’s time to shop around for better rates. Paying your bill for those six months reflects responsibility, Suarez says. Once insurers see you have six months of continuous coverage, you will typically qualify for lower rates with another company.

High-risk driver behavior #2: DUI

If you have a DUI on your record, your insurer will usually consider you a high-risk driver for between three and seven years. Depending on where you live, your state’s insurance laws may determine how many years your insurance company can take the DUI into account when setting rates.

Tip iconExpert tip

Find out when your DUI will come off your record. Some states leave it on for life, but you can still find out from your state’s insurance regulator how long car insurance companies can surcharge you for the offense. Once that time is up, shop around. If you’re required to carry an SR-22, shop around once you’re allowed to drop it, even if the DUI is still on your record. You’ll have more insurance companies to choose from without the SR-22 requirement.

High-risk driver behavior #3: Traffic tickets

Three tickets or accidents, or any combination of three tickets and accidents, within 36 months is usually enough to push you into the high-risk category. Some insurers will even cancel your car insurance as a result. How individual speeding tickets affect insurance rates depends on state laws and how bad the violation was.

Tip iconExpert tip

If you have recent infractions, you’re better off not looking elsewhere for insurance. A new insurance company will check your driving record, Suarez says. But if you stay with your current company, it may not check your driving record upon renewal.

“If you get a violation, you might be better off just staying put,” he says.

Other tips for high-risk drivers

Find the company for you. A company that provides coverage to just a few high-risk drivers will generally charge you more than a company that provides insurance to high-risk drivers. Typically, car insurance companies that cater to high-risk drivers offer more bare-bones coverage, only covering named drivers on a policy, which helps keep their rates low.

Check on your status. Don’t count on your insurance company to let you know that you’ve moved to a high-risk category — or that you’ve moved back out again. Many high-risk drivers probably don’t even know they have a non-standard policy. Ask your car insurance company for an update on your status.

You can’t rush your current company. Although you’re undoubtedly eager to move to a standard insurance policy, there’s no way to hurry the process along with your current insurance company. Each insurer will have its own surcharge schedule and driver tier and the length of time you need to show improvement to move to a better tier.

Get discounts. Taking a driver’s improvement course or paying your policy in full can help balance out the surcharges associated with the DUI, bad credit, a lapse in insurance or a bad driving record making you a high-risk driver. Ask your car insurance company how a driving class or paying your bill upfront can affect your rates.

Final thoughts on high-risk drivers

Finally, don’t push so hard for the cheapest insurance possible. If you’re a high-risk driver, but you still drive, pay the higher rates until you’re out of the high-risk category.

— Susan Ladika contributed to this story.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.