Car insurance companies know that teen drivers are responsible for more than their fair share of auto accidents, so they usually charge more to offset the risk. But does their tender age and inexperience behind the wheel make them a high-risk driver, and will it be harder to get the coverage they need? Fortunately, most teens are treated like any other motorist, and can actually qualify for reasonable rates if they avoid falling into this category.

Are Teens High-Risk Drivers?

What Is a High-Risk Driver?

Anyone who has an increased likelihood of filing a claim or causing an accident is considered a high-risk driver. Getting a DUI is one of the most common reasons people are categorized as higher risk, but it can also be applied to those with more than a few speeding tickets on their records or who have caused a serious accident.

What Does Being a High-Risk Driver Mean?

Most car insurance companies are in the business of covering the average driver who presents an acceptable amount of risk. If you’re categorized as a high-risk driver, you might be turned down by most insurers who are unwilling to take a chance on providing coverage. Fortunately, there are carriers and agencies who specialize in getting high-risk drivers the insurance they need.

How Teens Can Avoid Becoming High-Risk Drivers

Car insurance companies compare each teen’s record to others in their age group to determine the amount of risk. Following the rules of the road, obeying the speed limit, exercising caution when in traffic and always driving sober will help keep your teen safe and help keep their insurance premiums as low as possible. Signing your teen up for a safe driving course, maintaining a strict curfew, and limiting how many passengers they may have in the car can also prevent dangerous, expensive auto accidents.

Whether you’re looking for affordable insurance for your teen driver or have been convicted of a DUI, turn to 1st Choice Insurance, the Greater Cincinnati, OH, area’s first choice in high-risk coverage. They work with a variety of specialized car insurance companies to deliver quality coverage to anyone, regardless of your age, driving history, or credit rating. Visit their website for more on their services, or call (513) 860-0666 to make an appointment and request a quote.