There are several instances when drivers are deemed high-risk by car insurance companies. If you received traffic violations, it might be a challenge to get coverage. Fortunately, the “high-risk” label doesn’t last forever. With time and due diligence, you can move out of that category. Here is a guide on how long a driver is typically considered risky.

When the High-Risk Driver Label Goes Away

Serious Violations

In Ohio, a DUI/DWI penalty can affect your car insurance coverage for up to five years. If you’re convicted, the DMV will require proof of SR-22 insurance, which is documentation that shows you have purchased coverage. Other serious violations include having multiple DUIs or DWIs and driving with a suspended license.

Insurance Lapses

Car insurance companies may also consider you to be a risk if you let your policy lapse. This will likely result in higher rates for at least six months. After that time, you can ask your agent about cheaper coverage. Pay your premiums on time and don’t drop the policy before the term ends to avoid this penalty.

Ticket Accumulation

Receiving numerous tickets in a short window could also put you in the high-risk category for up to three years. Some car insurance companies may move you back into the standard driver group once the oldest ticket is paid off and settled. Keep track of the dates of all of your ticketed violations, so you can determine when you could be eligible to be removed from the high-risk category.

New Drivers

Because of their lack of experience, younger and new drivers are more likely to be involved in an accident. As a result, their insurance rates will typically be higher. To move out of the high-risk group, avoid traffic violations and be patient; as new drivers age and build a clean driving record, they can secure cheaper premium because they are considered more responsible behind the wheel.

Being a high-risk driver doesn’t have to be a permanent label. There are useful steps you can take to get less expensive rates from car insurance companies. If you’re struggling to get coverage now, 1st Choice Insurance in Cincinnati, OH, specializes in securing insurance for risky drivers by providing SR-22 bonds. Agents can help save you up to 38% on the overall cost of filing. To learn more, call the family-owned agency at (513) 860-0666, and visit the website to learn more about coverage options.