Nobody wants to pay for a high risk car insurance policy. One of the things that upsets many is that "high risk" is subjective, and means different things to different people. Let's take a look at high risk auto insurance, and put things into perspective.
Although auto insurance is currently regulated at the state level in the United States, most states allow carriers some flexibility in the actual policy coverage form, and have a wide latitude when it comes to choosing which customers to accept. They also have some choice as to how they apply the state approved rates to each customer. This is particularly important when considering the high risk consumer, because it means that not all automobile insurance companies are going to judge the same consumer as "high risk".