Updated March 2026
What Is Non-Standard Auto Insurance Insurance?
Non-standard auto insurance covers the same core protections as standard policies — bodily injury liability, property damage liability, and any state-mandated coverages like personal injury protection or uninsured motorist coverage. The difference isn't what you're covered for, but how insurers classify and price your risk. You're placed in a high-risk pool with other drivers who have similar violations or claims history, and the insurer charges higher premiums to offset the statistically higher likelihood of future claims. Most non-standard policies focus heavily on state minimum liability limits, though you can add collision, comprehensive, and higher limits if you can afford the additional cost.
How Much Does Non-Standard Auto Insurance Insurance Cost?
- Type of violation — DUI convictions typically increase premiums by 80% to 250%, while at-fault accidents may add 40% to 100%, and multiple moving violations often result in 50% to 150% increases.
- Number of incidents — a single at-fault accident may push you into non-standard territory, but two accidents plus a speeding ticket in three years can triple your rate compared to a clean-record driver.
- Time since violation — most insurers offer modest rate reductions each year you maintain a clean record, with the steepest decreases occurring after three to five years when major violations begin to drop off your record entirely.
- State and local regulations — states with assigned risk pools or mandatory coverage requirements tend to have slightly lower non-standard rates than states where insurers have more pricing freedom.
- Coverage limits selected — choosing state minimums can save you 30% to 50% compared to higher liability limits, though this leaves you financially exposed in a serious accident.
- Credit and payment history — many non-standard insurers charge an additional 10% to 30% if you have poor credit or require monthly payment plans instead of paying in full.
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