Updated March 2026
What Is Non-Standard Auto Insurance?
Non-standard auto insurance provides the same core coverage types as standard policies—liability, collision, comprehensive, and uninsured motorist protection—but is issued by insurers who specialize in accepting drivers with imperfect records. The coverage itself functions identically: if you rear-end another vehicle, your liability coverage pays their damages up to your policy limits regardless of whether you hold a standard or non-standard policy. The difference lies in underwriting criteria and premium pricing, not in what the policy actually covers when you file a claim. You can choose the same coverage limits and deductibles available to standard-risk drivers, though your premium will reflect your driving history.
How Much Does Non-Standard Auto Insurance Cost?
- Number of points currently on your driving record—each point typically increases premiums by 10-20% depending on the insurer and state.
- Type of violation—at-fault accidents and reckless driving citations increase rates more than speeding tickets, even if they carry the same point value.
- Time since most recent violation—rates begin to improve after 12 months of clean driving, with more significant drops after 3 years when many violations fall off.
- Coverage level selected—liability-only non-standard policies cost significantly less than full coverage, and many drivers in this tier choose state minimums to reduce premiums.
- State of residence—some states prohibit certain rating factors or mandate how long violations can affect rates, creating wide variation in non-standard pricing.
- Insurance history—a lapse in coverage prior to the violation compounds the rate increase, as insurers view coverage gaps as a separate risk factor.
See How Much You Could Save
Get personalized non-standard auto insurance quotes in minutes.