What Is Non Standard Auto Insurance And Who Needs It?

Non standard auto insurance is designed for drivers that standard insurers may consider higher risk. This can include drivers with accidents, tickets or a DUI on their record, drivers who let their insurance lapse, or those with limited credit or driving history.

It gives these drivers a way to stay legally insured, although premiums are often higher than for standard policies because the insurer is taking on more risk.

Who May Need Non Standard Coverage?

You might be offered non standard coverage if you have a recent at-fault accident, several traffic violations, a license suspension, a gap in previous insurance or you need an SR-22 form to reinstate your license.

Many non standard insurers also offer flexible payment plans, so it is worth asking about options when you compare quotes.

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Ways To Improve Your Situation

Drive safely
A clean record over time is the best way to improve your options.
Stay continuously insured
Avoid lapses in coverage, which can raise the price.
Compare regularly
As your record improves, compare quotes to see if a standard policy is now available.
Ask about SR-22
If you need an SR-22, ask the insurer how it is filed and what it costs.

What To Expect From Non Standard Insurance

Higher premiums: Prices are often higher than standard policies. Compare several quotes to find the best value.
Coverage options: Many policies offer the state minimum, with options to add more protection.
Payment terms: Some insurers ask for a larger initial payment or offer monthly instalments with fees. Read the terms carefully.
Review over time: Non standard policies are not meant to be permanent. Many drivers move to standard insurance as their record improves.

Tips For Comparing Quotes

Compare total cost, including fees, not just the monthly amount.
Check the coverage limits and make sure they meet your state requirements.
Look at the insurer customer service and claims reputation.
Never let your policy lapse because of a missed payment.

Get Free Quotes Online

Use our online form to compare options for your situation. Answer the questions accurately, review each offer and choose the policy that fits your budget and legal requirements.