Non-standard auto insurance is coverage sold by private companies specifically to drivers who are too high-risk for other agencies to insure.

What is the Difference Between Non-Standard Auto Insurance and Standard Auto Insurance?

Standard auto insurance is traditional car insurance offered to those with a relatively “clean” driving record, decent credit, and a pretty spotless criminal background. Generally these drivers are considered low-risk and can all go into a low-risk insurer pool. This allows the auto insurer to charge reasonable premiums to most of it’s customers. Some drivers who have standard auto-insurance may pay a little bit more, but generally all low-risk customers can be placed in the same pool.

Non-standard auto insurance is an auto insurance option for high-risk or non-low-risk drivers. Those who don’t qualify for standard auto policies may instead look at non-standard policies.

Should I Get Non-Standard Auto Insurance?

Many drivers find themselves considered “high risk” or “non-standard” by many insurance companies.  If you’re considered to be a high-risk driver, it’s likely that you’ll have a hard time finding car insurance.  If this is the case, the non-standard auto insurance market is a great option.

The non-standard auto insurance market consists of both private insurers who specialize in insuring drivers in unique situations as well as non-standard divisions of the larger national insurance agencies.

You may want to consider non-standard auto insurance if you

  • have little driving experience
  • have never owned a car or had auto insurance before
  • have recent car accidents or moving violations on your driving record
  • have a bad credit history
  • are a senior citizen
  • are a teenager
  • own a specialized, high-performance car
  • own a particularly high-value car
  • own a classic or vintage car
  • live in a “high-risk” area with high rates of theft or vandalism

How Much Does Non-Standard Auto Insurance Cost?

Cost will differ from state to state, driver to driver, and vehicle to vehicle for all auto insurance, but generally non-standard auto insurance will always mean paying more for coverage. Non-standard auto insurance typically has a higher premium than typical car insurance due to the risk the insurer is taking on. The main benefit of non-standard auto is the fact that otherwise uninsurable drivers can continue to legally operate a vehicle. Be careful when shopping for “cheap” high-risk auto coverage as sometimes the cheapest plan comes with loopholes.

How Do I Get High-Risk Non-Standard Auto Coverage?

Most insurers will offer you a non-standard option if you don’t qualify for standard auto-coverage. You’ll want to shop around between local and national insurers to find the best coverage at the best price. You can also contact your state insurance department for assistance.

As mentioned before one shouldn’t look solely at the price-tag due to exemptions and loopholes insurers can use to sell policies. For instance some policies will look cheap, but will simply be 6 month policies rather than 12 month policies.

To find out more about non-standard auto insurance and to shop for a non-standard policy, contact an insurance agent or your state insurance department.