Not all drivers are viewed the same by insurance companies. If you’ve ever asked yourself, “Why are my premiums so high?” — it could be that you fall into the high-risk category. Insurers base risk levels on your driving history, behavior, and reliability. And if that includes a DUI, at-fault accidents, or even poor credit, you're likely being quoted under high risk auto insurance in Pennsylvania.
Even high-risk status isn’t forever. And if you’re near Pittsburgh or anywhere in Western PA, there are budget-friendly insurance options tailored for high-risk drivers that can help you stay on the road legally: Find affordable local plans
Common Factors That Classify a Driver as High-Risk
- DUI or DWI convictions
- Multiple speeding or traffic violations
- At-fault accidents in the recent past
- Lapses or cancellations in prior insurance coverage
- Young or first-time drivers
- Poor credit score or payment history
What Can You Do?
While you can’t erase the past, you can start rebuilding your driver profile:- Stay continuously insured
- Avoid new violations
- Take a defensive driving course
- Shop non-standard insurers who work with high-risk drivers
- Bundle insurance policies for possible discounts
Even high-risk status isn’t forever. And if you’re near Pittsburgh or anywhere in Western PA, there are budget-friendly insurance options tailored for high-risk drivers that can help you stay on the road legally: Find affordable local plans