High risk drivers may have a hard time finding insurance at an affordable price. Many major car insurance companies prefer not to work with high risk drivers as one method of reducing their rates. A company that is facing less risk of a major payout does not have to charge as high of a premium as a company that will insure anyone regardless of the risk involved.
High risk car insurance is available for those drivers, but it will be more expensive than regular insurance. How much more expensive will depend on the discounts you are eligible for, the make and model of your car, and even your credit score and how long you attended college and whether you graduated with a degree. If you have enough discounts, the cost of high risk auto insurance may not be much more than traditional coverage.
Many times, high risk drivers are required to carry SR22 coverage as well. This is not a form of insurance, but is a statement of financial responsibility that says you are insured for minimum amount of coverage if it is required. SR22 coverage is in addition to your high risk car insurance, and is typically a court requirement for you to get your license back after a serious infraction.
If you need high risk car insurance coverage, the best place to start looking is on the Internet. You can compare online quotes between several companies at one time, and find the insurance coverage you need at a price you can still afford. If you find a company that meets your needs, you can even sign up for high risk auto insurance online, at any time of the day or night. Just because you need high risk insurance does not mean you cannot get insurance, it just means you have to shop more carefully in order to get the best rates available.