High risk auto insurance covers drivers that the insurance provider believes are more likely to file a claim based on their past driving history. Factors that determine whether a driver is high risk include multiple accidents, DWIs, tickets for no insurance, and a history of traffic tickets. Teen and elderly drivers are also considered a higher risk because these age groups are statistically more likely to be involved in accidents.

A less common form of high risk auto insurance is driver’s with an international driver’s license. Finding auto coverage for foreign drivers can be tricky, but STL Insurance Stop offers affordable international driver’s insurance.

In most states, including Missouri, drivers that are high risk are often required by law to carry and SR-22 filing for a predetermined amount of time. If you’ve had a DWI, had your driver’s license suspended or revoked, or have been involved in an accident where you were uninsured, the Missouri Department of Revenue will require you to maintain SR-22 insurance for a period of one to three years.

Driver’s who are in the high risk category sometimes fear that they will not be able to obtain auto insurance, but there are many auto insurance companies that will insure high risk drivers, including those that are required to maintain a SR-22 filing. STL Insurance Stop works with these insurance carriers to find you low rates on high risk auto insurance. Contact our insurance brokers today at (314) 475-5637 to get a free quote on high risk or SR-22 insurance.