Non-Standard Auto Insurance
Non-standard auto insurance is coverage sold to drivers who cannot obtain standard policies due to license suspension, DUI convictions, multiple violations, or high-risk status.
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What Is Non-Standard Auto Insurance?
Non-standard auto insurance covers drivers classified as high-risk by the insurance industry. This includes anyone with a suspended or revoked license, DUI or DWI convictions, multiple at-fault accidents, lapses in coverage exceeding 30 days, or excessive violation points. Standard carriers decline these drivers automatically; non-standard carriers specialize in them and charge substantially higher premiums to offset statistical claim risk.
- You let your policy lapse for 90 days after moving states. Standard carriers now classify you as high-risk due to the coverage gap. A non-standard policy bridges you back to standard market eligibility after 12–24 months of continuous coverage and no new violations.
Who Needs Non-Standard Auto Insurance?
You need non-standard auto insurance if your license is currently suspended and reinstatement requires proof of insurance or SR-22 filing. You also need it if standard carriers have declined or non-renewed you due to violations, accidents, or coverage lapses. This is not optional coverage—it is the mechanism that allows you to satisfy state reinstatement conditions and return to legal driving status.
Check your reinstatement letter from the Secretary of State. If it lists SR-22 or proof of insurance as a condition, you need non-standard coverage immediately. If it does not, confirm with the Secretary of State whether insurance is required before paying for a policy you may not need yet.
How Much Does Non-Standard Auto Insurance Cost?
- Suspension cause—DUI suspensions trigger the highest premiums, often double administrative suspension rates.
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