Updated March 2026
What Is Non-Standard Auto Insurance Insurance?
Non-standard auto insurance provides the same coverage types as standard policies — liability insurance to pay for injuries and property damage you cause, and optional collision and comprehensive coverage for your own vehicle. The difference isn't what's covered, but who's willing to cover you and at what price. Non-standard carriers specialize in underwriting higher-risk drivers using different rating models that accept DUIs, license suspensions, multiple tickets, at-fault accidents, or gaps in coverage that would disqualify you from standard insurers like State Farm or Allstate. You'll still meet your state's minimum coverage requirements and can add the same endorsements, but you'll pay significantly more — typically 100-300% higher premiums than standard-risk drivers.
How Much Does Non-Standard Auto Insurance Insurance Cost?
- Type and severity of violations — a DUI typically adds $2,000-$4,000 annually, while a single speeding ticket may add $300-$800.
- Number of incidents in your recent history — one at-fault accident might double your rate, but three accidents in three years can triple or quadruple it.
- Length of coverage lapse — a 30-day gap costs less than a 12-month lapse, which signals higher risk to underwriters.
- SR-22 or FR-44 filing requirement — the certificate itself costs $25-$50, but the underlying violation (usually DUI or driving without insurance) is what drives the premium increase.
- Coverage limits selected — raising liability from state minimums to $100,000/$300,000 may add 20-40% to your non-standard premium, but the base cost is already high.
- Time since violations — rates typically decrease 10-20% each year you maintain clean driving and continuous coverage, with steeper drops after violations age off your record at 3-5 years.
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