When should you consider filing for high-risk insurance?

Filing for high-risk insurance becomes necessary when an individual accumulates 12 or more points on their driving record within a span of two years. This level of points typically indicates a pattern of unsafe driving behavior, such as multiple traffic violations, which can elevate the risk profile of the driver in the eyes of insurance companies. As a result, insurers may categorize the driver as high-risk, leading to the need for high-risk insurance, which generally comes with higher premiums.

In contrast, the other scenarios such as receiving a minor traffic citation, having an accident with minor damage, or purchasing a new vehicle do not necessarily point to a high-risk driving record. Minor citations may not significantly impact the scoring system, while minor accidents may also not warrant high-risk classification unless they are part of a larger pattern of unsafe behaviors. Purchasing a new vehicle has no direct relation to driving history and, therefore, does not trigger the need for high-risk insurance in itself.