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High-risk car insurance

If you're considered a high-risk driver, you'll need to pass an insurer's acceptance criteria to get cover. If you're eligible for insurance, your premiums are likely to be more expensive.

What you need to know

  • An insurer will decide whether to offer you car insurance based on many risk factors, one of which is your driving history.
  • Finder research found only 2 providers that stated they may provide cover for those with a suspended licence.
  • Finder research found 11 providers that states they may provide cover those with an at-fault accident claim

Can I get car insurance if I'm a high-risk driver?

Yes, it is possible. Finder ran a series of car insurance quotes with 11 insurers, stating "Yes" to each of the following:

  • Have been in an accident. All 11 providers indicated they could offer insurance
  • Have had a licence suspended. 2 providers indicated they could offer insurance; 9 refused to offer cover

However, there's no guarantee you'll be able to get insurance if you're considered a high-risk driver. A provider will evaluate your driving history and risk profile before deciding whether to accept you.

Even if you are accepted, your premiums are likely to be higher. That's because an insurer thinks you're more likely to make a claim, based on the information they've gathered about you.

How can I increase the chance of getting cover?

You could book on to a safe driving course through your insurer. Some providers, such as AAMI, offer a discount on your insurance if you complete the course.

Finder survey: How many people have accrued demerit points for a driving offence?

I have never driven before2.08%1.15%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

Compare car insurance for high-risk drivers

Each insurance brand will have assessment criteria for applicants. It is crucial that you disclose all the details that may impact whether cover may be provided to your insurance brand.

Car insurance for drivers with a licence suspension

Finder sourced a quote from 11 car insurers in Australia. We answered "yes" when asked if the driver's licence has been "cancelled, suspended or restricted" due to any driving offence(s). Of the 11, we were only able to return quotes for 3 providers.

Whether you'll actually be able to get cover depends on your individual circumstances and your risk profile, which is determined by an insurer.

BrandAnnual costApply
Australia Post$1,768.12Get quote
Kogan insurance logo$2,168.89More info
Picture not described$2,516.47Get quote

Prices accurate as of July 2023

Car insurance for drivers with an at-fault accident claim

We ran 11 further quotes* and chose "yes" when asked about a past accident claim and selected "at fault". Usually, insurers asked about offences in the last 3 or 5 years.

Again, whether you'll actually be able to get cover depends on your individual circumstances and your risk profile, which is determined by an insurer.

BrandAnnual costApply
Bingle logo$952.17Get quote
Budget Direct Logo$1,190.69Get quote
Qantas $1,144.14Get quote
Australian seniors$1,425.43More info
Huddle$1,755.17More info
Australia Post$1,920.95Get quote
real insurance$1,593.12More info
ahm$1,860.90More info
Picture not described$1,840.62More info
Everyday Insurance$1,757.45More info
Picture not described$2,730.99Get quote

Prices accurate as of July 2023

Tim Bennett

I had my license suspended at 18. It was only low range speeding, but NSW has a no tolerance rule for p platers. I had to take public transport for a few months, which was rough. I also had to cop higher car insurance premiums for like 10 years, as I was considered a high risk driver. I also had way fewer options, as a lot of companies wouldn't cover me at all. The only way I was able to save money was going with TPP rather than comprehensive cover.
— Tim Bennett, insurance expert

If I'm accepted for cover, how can I lower my premiums?

Should you find one or more insurers who'll offer you cover, there are a number of ways you could lower the cost of your insurance. For example, you could do the following:

  • Choose a higher excess. This can lower your premium, but you'll pay more upfront if you make a claim. Read more about car insurance excess.
  • Lower your mileage, if possible. Driving less kilometres can help insurers see you as someone less likely to be in an accident. However, you must be honest about this; if you can't commit to driving less, don't do it.
  • Park in a garage. Some insurers offer lower prices to people who park cars off the street, preferably inside a locked garage or under a carport.
  • Restrict who can drive your car. Excluding young drivers, such as those under 25, and naming who else will drive your vehicle are both ways you could reduce costs.
  • Pay premiums annually. If possible, paying premiums annually can be cheaper than paying monthly or fortnightly.
  • Get quotes for both agreed and market value. Insuring your car for market value used to be a good way to lower your premium but as the second hand car market booms, this isn't always the case anymore. Depending on your car, it may be cheaper to insure for an agreed value. Getting a quote for each and weighing up the pros and cons is a good way to know your options and reduce costs.
  • Shop around and buy online. Significant discounts may be available for signing up online.

Insurance after suspended licence in Australia

So long as your policy doesn't have an exclusionary clause for driver's licence suspensions, you can probably still be covered. However, it's essential that you get in touch with your insurer and let them know your licence has been suspended.

Most insurers won't cover you unless you let them know within 60 days that you or a household member has had their licence suspended. Give your insurer a call for more details on this.

It is often the case that insurers will deem you a high-risk driver after a suspension. Some may refuse to renew your policy. If this is the case, an insurer must let you know within 30 days of your policy's expiry date.

Remember, insurers treat high-risk drivers in different ways. Some companies will have harsher restrictions and set higher premiums than others. So, comparing car insurance quotes before buying is important.

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Tim Bennett
This article was reviewed by . Tim is a senior insurance publisher at Finder and he's written on a range of insurance and finance topics for over 10 years.

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