Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jun 3, 2021

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Don't Forget These Facts

  • High-risk drivers can cut expensive monthly costs with auto insurance discounts
  • Maintaining a good credit score can lower your auto insurance policy by hundreds
  • Uncover hidden auto insurance discounts

High-risk drivers usually pay more for auto insurance. In some cases, high-risk drivers have to file SR-22. But did you know you can get cheap SR-22 insurance through auto insurance discounts?

Our guide explains how high-risk drivers are eligible to use auto insurance discounts.

Read on to learn more about how high-risk drivers are eligible for auto insurance discounts. Enter your ZIP code in the free comparison tool above and compare multiple companies to get the best high-risk insurance quotes.

Are high-risk drivers eligible to use auto insurance discounts?

The short answer is yes. Not only are high-risk drivers eligible, but we also encourage them to uncover and target hidden auto insurance discounts.

A high-risk driver is someone who has a poor and marginal driving record. It could be linked to a DUI, multiple speeding violations, or several accidents within a short time.

Continue reading to get answers to frequently asked questions and learn about the auto insurance discounts to ask for.

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Which auto insurance discounts are good for high-risk drivers?

High-risk drivers aren’t eligible for good-driver discounts, but other auto insurance discounts can lower auto insurance rates.

Here are six car insurance discounts you should ask about:

  • Equipment-related Discounts
  • Payment-related Discounts
  • Demographic Discounts
  • Multi-Policy Discount
  • Credit Score Discount
  • Driver Training Discount

Equipment-related discounts are savings from anti-theft and safety features on your vehicle.

Meanwhile, payment-related discounts are for policyholders who use electronic fund transfer (EFT), automatic payment, or pay-in-full options.

Demographic discounts target specific age groups and specific situations, such as student or senior discounts.

The most effective discount is the credit score discount. Auto insurance companies issue cheaper rates for drivers with good credit because they’re less likely to file a claim.

How do discounts affect auto insurance rates?

When you get an auto insurance quote, your discounts are applied to the entire insurance bill. Therefore, your savings don’t apply to just one month.

Once the discounts are calculated, you have the option to pay in full or make a deposit to start your car insurance policy.

Let’s look at auto insurance before and after a discount is applied. We’ll use the good credit discount as an example.

States with the Lowest SR-22 Insurance Costs
StateAnnual SR-22 Car Insurance RateAnnual 2018 Car Insurance ExpenditureDifference
Maine$1,331$686.25$644.75
Indiana$1,561$767.72$793.28
Virginia$1,693$853.78$839.22
Ohio$1,700$794.91$905.09
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USAA is the cheapest company by dollar amount but is only available to military veterans and their immediate family members.

State Farm, USAA, and Liberty Mutual provided the highest car insurance discount percentage.

Now imagine if you stack other discounts onto a discount that gives you 20% off. Even as a high-risk driver, you’d be eligible for big savings. Always ask about discounts before you buy SR-22 insurance to get the most affordable high-risk car insurance policy possible.

How do high-risk drivers get auto insurance discounts?

Like any other driver, high-risk drivers have to qualify for discounts from a car insurance company. If you already have a policy, you won’t have to do much.

However, driver training courses can help out with points on your license, and they could save you about five percent on auto insurance.

Stay out of the eyes of the law for at least three years, and car insurance companies may give you a break on car insurance.

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How are High-Risk Drivers Eligible for Auto Insurance Discounts?

High-risk drivers are riskier to insure, but it doesn’t disqualify them for discounts. While it may be challenging to find affordable SR-22 insurance costs per year, it’s not difficult to find deals on high-risk car insurance.

Now that you know how high-risk drivers are eligible for auto insurance discounts, you can use our free online quote tool to compare the top companies near you and secure the best rates.