What are "high-risk drivers" typically required to do?

High-risk drivers typically face a greater likelihood of being involved in accidents or engaging in behavior that raises insurance costs, such as frequent traffic violations or a history of accidents. To manage the risks associated with insuring these drivers, insurance companies often require them to obtain special forms of insurance, such as SR-22 insurance or other high-risk insurance.

The SR-22 is not an insurance policy itself but a certificate that proves a driver carries the minimum required liability insurance. It is often mandated by a state after certain infractions, such as DUI convictions or multiple incidents of reckless driving, where the insurer wants assurance that the driver will remain insured. This requirement is a way to mitigate the risks associated with insuring drivers who have demonstrated a pattern of riskier behavior on the road.

In contrast, standard insurance policies are typically reserved for those considered low-risk, and high-risk drivers usually pay higher premiums rather than lower ones. Maintaining a clean driving record is advisable for all drivers, but high-risk drivers may be subject to additional monitoring and restrictions after significant infractions, rather than being able to enjoy benefits from a clean record immediately. Thus, the special insurance for high-risk drivers is an important measure taken to balance the insurance market's risk pool.