You might have to get high-risk auto insurance if you have an unfavorable driving record which makes you statistically more likely to file claims and cost insurance providers money. If you have a history of auto accidents; if you have ever had your license suspended and had to file an SR-22; or if you fall under an age demographic that tends to cause more problems when driving, you may need to get high risk auto insurance.
High risk auto insurance is insurance which is assigned to someone who is likely to cause problems, as described above. Because giving auto insurance to risky subjects has a higher chance of costing the insurance provider money, they will charge much higher auto insurance premiums in order to compensate for the gamble they have to take. High risk auto insurance may also have much more limiting terms and you may not be able to get full coverage but only the minimum required liability coverage with this sort of insurance.
Not all insurance providers are willing to supply high risk auto insurance policies, so you may have a difficult time finding insurance if you are a high risk prospect. Searching online or even contacting an insurance broker may be necessary to find you the coverage you need to legally drive.
High risk auto insurance is not desirable, but in some cases may be your only option. Do your best to drive safely from here on out in order to qualify for more favorable insurance terms in the future.