High-risk car insurance

Many of the same factors that affect standard car insurance rates can also affect the cost of high-risk coverage, like your driving history, age and experience, location, vehicle and the type of coverage you choose.

Your deductible can also make a difference. Choosing a higher deductible can typically lower your premium, but you'll pay more out of pocket if you have a covered claim.

Yes, high risk drivers can generally choose from available coverage options and adjust certain limits in deductibles to fit their needs. However, your choices may depend on state requirements, your vehicle and the coverage available to you.

Before choosing, consider more than just the price. The right level of protection should account for your budget, your vehicle and what you'd be comfortable paying out of pocket after a covered loss.

Your driving risk is assessed based on details like your driving and claims history, experience behind the wheel, previous insurance coverage and how likely you are to have an accident. How these factors affect your eligibility or rate can also vary by state.

You should look beyond the price when comparing high risk car insurance policies. Consider the coverage included, limits and deductibles, available discounts and any additional features or services that matter to you.

You should also compare similar policies because a lower quote may come with different limits, a higher deductible or less coverage.

Be sure to check all the details before deciding which option offers the right balance of protection and cost.

Your car insurance eligibility can depend on your driving history, claims history, prior insurance coverage, experience behind the wheel and the vehicle you want to insure.

Eligibility requirements can vary by insurer and state. If your circumstances make it harder to qualify for a standard policy, other coverage options might be available.