What makes you an assigned risk driver?

Being classified as an assigned risk driver occurs when no insurance company is willing to offer you coverage due to factors such as your driving record, credit history, or other risk factors that deem you a high-risk driver. This classification indicates that traditional insurance companies consider you too risky to insure under regular circumstances.

Assigned risk programs exist to ensure that even high-risk drivers can obtain the minimum required coverage, as required by law. This is often a fallback option for drivers who cannot find an insurer in the regular market. The nearly exclusion from insurance options solidifies the distinction of being categorized as an assigned risk driver, making this the correct answer.