High Risk Insurance

We insure all types of vehicles

What makes me a high-risk driver?

Your driving record, as well as the type of car you own, plays a huge role in determining car insurance prices. If your history puts you in the high-risk category, work with AAAble to get the most affordable rate.

If you’ve been involved in a car crash in the last three years or received tickets for any moving violations, welcome to the enormous not-so-perfect driving club. You are far from alone. As a high-risk driver, your driving record makes insurance much more expensive and sometimes impossible to find. Insurance carriers might consider you high-risk if you meet the following criteria.


Traffic violation on record, especially in the last three years


Serious motor vehicle accident on record


Lapse in car insurance coverage


New driver or elderly driver


DUI conviction


Poor credit

Can I find affordable high-risk insurance?

Florida car insurance companies have the right to refuse coverage or dramatically increase the premiums for high-risk drivers. For instance, companies can raise rates up to 70% following accidents involving bodily injury. While high-risk car insurance is generally more expensive than standard insurance, AAAble shops around for trusted carriers who offer coverage at a great value.

Can I get even better rates?

Yes! We work to get the best possible rate for your current circumstances, but luckily you can do more to reduce monthly payments. Check out a few hacks to receive cheap car insurance.

Practice safe driving methods and avoid accidents

A clean driving record for at least three consecutive years will help drastically lower car insurance premiums.

Attend driving school

Fast track your way to the safe driver category by attending classes for road rage, defensive driving as well as other driving safety topics.

Drive a safer and less expensive vehicle

Less expensive cars with advanced safety features can help make car insurance much more affordable.

Avoid loans and leasing

Leasing a car requires a high level of coverage regardless of Florida’s legal requirements. The additional coverage means more expensive insurance.

Take steps to improve your credit

Car insurance companies look at credit history to determine driver risk and rate. Take steps to improve your credit by reducing debt and paying all loans on time.

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Our Service Areas

Our Florida-based staff serves Davie, Fort Lauderdale, Hollywood, Cooper City, Lauderhill, Tamarac, Margate, and Miramar with rapid insurance and tag services.

Davie Office

4480 SW 64th Ave Davie, FL 33314

Lauderdale Office

2787 W. Davie Blvd Fort Lauderdale, FL 33312

Lauderdale Lakes Office

3734 W Oakland Park Blvd Lauderdale Lakes, FL 33311