Unfortunately for many drivers, there are a wide number of factors that can cause an insurer to view a motorist as riskier to insure. The most obvious ways a licensed operator can end up in the market for high risk auto insurance is by committing traffic violations or being involved in multiple accidents.

Being convicted of certain traffic infractions, especially driving under the influence of drugs and/or alcohol, can result in being dropped by a current insurer and the need to search for a company that can offer coverage at an affordable rate. Having a number of claims on a driving history can also lead to a cancellation or non-renewal of a policy, although this is usually not the case after one not at-fault accident.

Teenagers may also be subjected to inflated premiums due to the high risk that this age group poses behind the wheel, and this is especially true for 16 year olds. This age group is involved in a large percentage of traffic collisions even though teens only account for a small number of licensed drivers. The main reason for this is lack of driving experience and although there are some good teen motorists out there, the statistics will prove to cause rate increases until youths begin changing the perception of insurers. Individuals who cannot find coverage from a company who will offer it voluntarily may need to get assistance from the state.

Programs such as the Massachusetts auto insurance Plan (MAIP) have been developed by states to help such motorists get insured and avoid driving without coverage. Anyone who cannot find a carrier who will accept the risk of insuring them should be sure to contact the state to see if any such program is available to avoid operating unlawfully.