High Risk Auto Insurance in Texas: What You Need to Know

If you’ve been in an accident, have a less-than-perfect driving record, or have been convicted of a traffic violation, you may be considered a high-risk driver. You could be required to purchase high risk auto insurance in Texas to be able to legally drive. High risk auto insurance can be more expensive, but there are ways to save.

What is High Risk Auto Insurance?

High risk auto insurance is for drivers who have been deemed to have a higher than average risk of getting into an accident. This could be because of a history of traffic violations, an at-fault accident, or other factors. High risk auto insurance usually costs more than regular auto insurance because of the increased risk.

How Do I Qualify as a High Risk Driver in Texas?

In Texas, if you’ve been convicted of certain traffic violations, have had multiple at-fault accidents, or have had your license suspended, you may be considered a high-risk driver. If you’ve been determined to be a high-risk driver, you will be required to purchase high risk auto insurance. You may also be assigned to an assigned risk pool, depending on your driving record. An assigned risk pool is a group of high-risk drivers who are grouped together to spread the risk and cost of insurance.

What does High Risk Auto Insurance Cover in Texas?

High risk auto insurance in Texas covers the same things as regular auto insurance. It includes liability coverage, which pays for damages you cause to other people or property. It also covers personal injury protection, which pays for medical bills, lost wages, and other costs associated with an accident. Comprehensive and collision coverage are also available to cover the cost of repairs to your vehicle.

How Can I Save on High Risk Auto Insurance in Texas?

There are a few ways to save on high risk auto insurance in Texas. Shop around and compare quotes from different insurers. You may also be able to get a discount if you have a clean driving record or have taken a defensive driving course. You can also raise your deductible, which will lower your premiums. Finally, you can consider dropping optional coverage, such as comprehensive and collision, if you don’t need it. This will help lower your insurance costs, but be aware that you won’t be covered for damage to your vehicle.

Conclusion

High risk auto insurance in Texas is for drivers who have been deemed to have a higher than average risk of getting into an accident. High risk auto insurance can be more expensive, but there are ways to save. Shop around, consider raising your deductible, and look for discounts. You can also drop optional coverage, but be aware that you won’t be covered for damage to your vehicle. Make sure you have the right coverage so you can be protected if you get into an accident.