If you receive a high-risk designation from your insurer, then you might find that your auto insurance rates will skyrocket. Some insurers will even refuse to issue policies to high-risk drivers altogether. However, the good thing about high-risk designations is that they don’t often last forever. For example, most insurers only look at the previous three to five years of your driving history to set your rates. So, if you work conscientiously to avoid having accidents or receiving citations, then you might find that your high-risk designation disappears over time.