High-risk drivers have had many convictions or at-fault accidents, had policies cancelled because they have not paid their premiums or have other risk-related characteristics. High-risk also means high auto insurance rates. Insurance companies consider you to have a high probability of being involved in a claim and therefore must be compensated for taking the risk of insuring you.
The Facility Association, an insurance pool that all auto insurance companies belong to, is an insurer of last resort that provides auto insurance to high-risk drivers unable to find auto insurance in the regular market. Facility insurance costs a lot more than regular auto insurance. There are also a number of insurers that specialize in insuring high-risk drivers.
Note that although an insurance company may not sell you auto insurance if it determines that you are “high risk,” the insurance industry as a whole cannot refuse to sell you basic insurance.
For more information, visit the Facility Association website or call their toll-free number: 1-800-268-9572.