What Makes a Driver High-Risk in Pennsylvania?
Insurance companies classify drivers as high-risk when their driving history suggests a greater-than-average likelihood of filing a claim. Common reasons include DUI convictions, multiple at-fault accidents, serious traffic violations, license suspension or revocation, lapses in insurance coverage, and poor credit scores. High-risk drivers in Croydon, Bensalem, Levittown, Bristol, and Burlington often struggle to find affordable coverage — but options exist.
Being labeled high-risk does not mean you cannot get insurance. It simply means you need to work with carriers who specialize in non-standard coverage. Understanding your options and taking steps to improve your driving record can help you transition back to standard rates over time.
SR-22: What It Is and When You Need It
An SR-22 is a certificate of financial responsibility that your insurance company files with PennDOT on your behalf. It proves that you carry the minimum required auto insurance coverage. The SR-22 requirement typically lasts three years in Pennsylvania and is triggered by serious violations like DUI, driving without insurance, or accumulating too many points on your license.
Non-Standard Insurance Carriers
Non-standard carriers specialize in insuring drivers that standard carriers won't touch. Progressive Insurance has a strong non-standard division and is known for insuring drivers that other companies turn away. We also work with other carriers to ensure we can find coverage for virtually any situation.
Steps to Rebuild Your Driving Record
The path back to standard insurance rates starts with maintaining a clean record going forward:
- Avoid any new violations or accidents
- Complete a Pennsylvania-approved defensive driving course if eligible
- Pay all fines and satisfy all court requirements promptly
- Maintain continuous insurance coverage without lapses
Over time, older violations will fall off your record, and your rates will improve. Most violations affect your insurance for three to five years.
Get Covered Today — No Matter Your History
At Jordan's Auto Tags in Croydon, PA, we work with drivers in all situations — including DUI convictions, multiple accidents, credit challenges, SR-22 requirements, and everything in between. Walk in at 721 Bristol Pike or call (215) 826-9890. We serve drivers throughout Bensalem, Levittown, Bristol, Burlington, and all of Bucks County. No judgment, just solutions.