Updated March 2026
What Is Non-Standard Auto Insurance Insurance?
Non-standard auto insurance provides the same core coverage types as standard policies — liability, collision, comprehensive, and uninsured motorist protection — but is underwritten by insurers who specialize in high-risk drivers. The difference is not what's covered, but who qualifies and what it costs. You select coverage limits just like any other policy, though some non-standard carriers may require higher liability minimums or restrict comprehensive and collision options until you've demonstrated payment history. Many non-standard policies include SR-22 or FR-44 filing services, which your state may require to reinstate or maintain your license after certain violations.
How Much Does Non-Standard Auto Insurance Insurance Cost?
- Type of violation: DUI convictions typically increase premiums 80-250%, while at-fault accidents may add 40-100% and multiple speeding tickets 25-75%.
- SR-22 or FR-44 requirement: The filing itself costs $15-50, but needing one signals high risk and often doubles your base premium.
- Length of coverage lapse: Gaps under 30 days may add 10-20% to premiums, while lapses over 90 days can increase rates 50-100%.
- Coverage limits selected: Raising liability from state minimums to 100/300/100 typically adds $30-80/month, while adding collision and comprehensive can add $80-200/month depending on vehicle value.
- Payment history with non-standard carrier: Many insurers reduce rates by 5-15% every six months if you pay on time and avoid new violations, creating a pathway back to standard rates.
- Credit and driving record severity: Multiple compounding factors (DUI plus accident plus lapsed coverage) can push you into the highest tier, where rates may exceed $500/month even for minimum coverage.
See How Much You Could Save
Get personalized non-standard auto insurance insurance quotes in minutes.