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.

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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.
  • When applying for cover, you must be upfront about any past offences or driving suspensions.
  • Finder research found only 2 providers that stated they may provide cover for those with a suspended licence.

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.

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$1,427.19Get quote
Kogan insurance logo$1,669.19Get quote
Picture not described$2,107.46Get quote

Prices accurate as of April 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$1,035.22Get quote
Budget Direct Logo$1,088.04Get quote
Qantas $1,096.16Get quote
Australian seniors$1,407.80More info
Huddle$1,495.86More info
Australia Post$1,554.36Get quote
real insurance$1,573.41More info
ahm$1,585.97Get quote
Picture not described$1,715.56More info
Everyday Insurance$1,735.70Get quote
Picture not described$2,288.28Get quote

Prices accurate as of April 2023

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 monthly premiums, but you'll pay more upfront if you make another claim. Read more about car insurance excess.
  • Drive less. You might start taking public transport and get rides whenever you can. There are pay-as-you-go car insurance policies that let you nominate a kilometre limit per policy period, resulting in a lower premium.
  • Park off the street. Some insurers offer lower prices to people who park cars off the street, preferably inside a locked garage. If you can't park your vehicle in a garage, consider installing a kill switch for added security.
  • 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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Frequently asked questions

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.
  1. KOBA Car Insurance PDS (accessed September 2022),
  2. Budget Direct Car Insurance PDS (accessed September 2022),
  3. Australian Seniors Car Insurance PDS (accessed September 2022),
  4. Qantas Car Insurance PDS (accessed September 2022),
  5. Everyday Car Insurance PDS (accessed September 2022),
  6. Real Car Insurance PDS (accessed September 2022),
  7. Huddle Car Insurance PDS (accessed September 2022),
  8. ahm car insurance PDS (accessed September 2022),
  9. Australia Post Car Insurance PDS (accessed September 2022),
  10. Coles Car Insurance PDS (accessed September 2022),
  11. QBE Car Insurance PDS (accessed September 2022),
  12. Law Access NSW

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