Most of the time, when you have to have high risk insurance it's a court ordered mandate. Usually it's because you got caught under the influence of alcohol or drugs and are being sentenced through a court of law.
They will tell you that in order to drive a vehicle you'll need to carry insurance. Because you were caught and now have been sentenced, the insurance companies consider you a high risk and they'll charge you more because of that risk. This means you must carry special high risk vehicle insurance because without it, they may send you to jail if you are caught driving.
You may also wind up with insurance if you have many driving infractions such as reckless driving, speeding, endangerment, running red lights, unsecured load and others. You'll have to have quite a few of these types of infractions within a 3 year period for it to happen but when it does, the insurance company again is going to consider you high risk, and you will pay the high price required for insurance.
You may also need insurance if you are driving a special car of some sort. It may be an expensive sports car, it may be a classic car, or something else that would be very expensive to replace.
High risk vehicle insurance is not cheap, be careful in your driving habits. Make sure you're following the law and do not drive under the influence at all. In this way, you'll never have to shop around for insurance in order to keep you out of jail.
A comprehensive guide on reasons why you need to purchase high risk insurance
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