You can define high risk driver as a driver who is experienced or the knowledge he is having may be a risk to him or also to other drivers who is driving the car on the road.
Many of the car insurance companies consider that new drivers especially teenagers are the most risky drivers. They are considered to be risky drivers because they more often pay for the Idaho Car insurance. Regardless of what age you are insurance companies classify the drivers who are driving for the first time as high risk drivers. So what ever might be your age, you will have to pay more to the car insurance company if you are driving for the first time, whereas if drivers are experienced and though they are teenagers they will be paying less to the Idaho car insurance company.
You will marked in the list of red flag by your insurance company if you are involved in multiple speeding tickets. Though you are not involved in speeding tickets you will have more chances of involving in traffic accident. This will be noted by your insurance company and your premium amount will surely be affected.
Insurance company will not consider who is at fault whether the third party or you, they will immediately mark you in the risky category if you are involved in multiple accidents. You will be considered as reckless driver if you are involved in many accidents and DUIs. When compared to the drivers who are having clean records your insurance premium will be very high. Due to some medical condition if you have difficulty in driving such as hearing impairment, visual impairment or other handicap then your auto insurance company will surely consider you as high risk driver though you have a clean record.