Question

Am I still considered high risk if I have not had my own insurance for years, but have been covered and driving on my job's company insurance?

I have only used a company vehicle for years and did not need my own vehicle. I am insured through them but have not had my own policy for years.

Jan 31, 2020 Battle Creek, MI

Answer
Kristine Lee

Jan 31, 2020

Not having a personal auto policy doesn't necessarily always categorize you as high-risk, but potential insurers will see your lack of one as a lapse — which will, in turn, make your rate more expensive. Learn more about how a lapse can affect your premium here.

Generally, insurance companies will not accept business or commercial insurance as proof of prior insurance. I suggest you shop around to compare rates and possibly look into a non-standard insurance company. These insurers specialize in covering drivers with non-ideal driving histories, including accidents, bad credit, and lapses.

If you have any questions, feel free to ask.


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