If there’s a high-risk driver in my household will I automatically have to pay a higher premium?

Not necessarily. When determining your premium, many insurance companies will assign the highest risk driver to the vehicle that’s most expensive to insure. For instance, if you have a teen driver, they’d be assigned to the most expensive vehicle in your household. Sonnet doesn’t work that way. Instead, we list the drivers on your policy in a way that the highest-risk driver is assigned to the vehicle that’s least expensive to insure. This can help to lower your auto insurance premium.