In auto insurance assigned risk refers to those in the market that have blemishes on their driving record or otherwise considered high risk to insurers and therefore have a hard time getting covered. Generally each state has a pool of carriers they put together in order to serve this market because of requirement that motorists have coverage. Car insurance premiums for assigned risk are often very expensive and one wants to clear up their driving record as soon as possible to get out of this classification. Drivers in this classification should be reflective their on driving records (and habits if a DUI landed one in assigned risk) and should consider taking a defensive driving course.
What cities are the more notorious for inebriated motorists? See the story here. This is scary stuff and its really a shame that people make the poor judgement call to drink and drive. Advocacy groups like MADD and others have helped greatly with addressing the issue of drunk driving but there is more work to be done to stop it.