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Every state has an affordable high risk auto insurance policy that its drivers can buy. Purchasing this policy will allow you to legally drive in your state.

This auto insurance is what is known as a basic, minimum liability policy. A basic liability policy affords you the least amount of insurance protection that your state feels it prudent for a driver to have. It is also the most affordable policy you can buy.

Each state sets its own minimum amounts of liability insurance that its drivers must purchase. All liability policies have three numbers to them, in the form of 10/20/10. [These three numbers are being used for illustrative purposes only and do not necessarily correspond to the minimum liability policy required by your state; check with your state's department of insurance or with an auto insurance agent in your state to find out how much liability protection you will be required to purchase].

So what is meant by our 10/20/10 sample liability policy? The first "10" means that your policy will pay a maximum of $10,000 toward the medical costs of any one individual involved in an accident with your vehicle. The "20" refers to the fact that the policy will pay a maximum of $20,000 toward the medical bills of everyone involved in the accident, regardless of how many people that is or how badly any of them are hurt. The final "10" refers to the fact that the policy will pay a maximum of $10,000 in property damages (typically the repair of the other person's vehicle).

One of the things that makes this type of affordable insurance "high risk" is the low amounts that the insurance pays. It is very easy for the medical costs of an accident to far exceed the maximum amount that the insurance will pay, and it is also common for property damage to exceed the maximum amount that a basic liability policy will pay.

If the insurance fails to pay all of the bills, then who is responsible for paying the remainder? You are.

If a minimum liability policy does not cover the actual costs of an accident it is quite possible that you could be required to empty your savings account or even be forced to sell your home to make good the difference. This is why a basic liability policy is considered a high risk type of insurance.

In addition to that, a liability policy only pays for medical bills and property damage for the other person in an accident - a liability policy doesn't pay one cent for your medical bills or for the medical bills of anyone in your vehicle nor does it pay even one cent toward the repair of your vehicle.

It is possible to purchase liability insurance with payment caps higher than your state's mandated minimums. Higher payouts mean that you will pay a higher monthly premium.

In order to find the most affordable high risk auto insurance you will need to search online. There are literally dozens of sites online which will allow you to compare the price for a basic liability policy from a variety of different insurance companies. However, since each price comparison site only compares the price from a small handful of companies, in order for you to see all of the prices available to you, you will need to run your price comparisons on 3 different websites.

But as soon as you have finished running the comparisons then the rest is easy - simply choose the best price you have found from among all the prices you got from the 3 sites you choose and that's it. You've found the very best price available for high risk auto insurance in your state.