Meaning of High Risk

• When an insurance company evaluates an applicant, it assesses the likelihood that the applicant will file a claim. Those considered more likely to file claims are deemed high-risk drivers.
  
  

Young Drivers

• Drivers younger the age of 25 are typically considered high risk. Those between the ages of 21 and 25 typically have less difficulty finding coverage than those younger than 21.
  
  

Elderly Drivers

• Statistically, drivers older than age of 70 are as likely to have accidents and file claims as young drivers.
  
  

Multiple Violations And Accidents

• If you have several moving violations or accidents on your record, an insurance company will consider you a high-risk driver.
  
  

Major Violations

• Violations such as driving while intoxicated and reckless operation put drivers in the high-risk category. Even a single major violation can make it difficult to obtain coverage at reasonable rates.