Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jun 29, 2021

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Don't Forget These Facts

  • High-risk auto insurance is typically required for new drivers, risky drivers, or individuals who own a high-powered car
  • An SR-22 is necessary if you have been caught committing certain infractions, such as driving uninsured or driving under the influence
  • Non-standard auto insurance is the type of insurance a high-risk driver needs

If you have been caught driving under the influence, driving without insurance, or driving recklessly, you may have been deemed a high-risk driver.

High-risk drivers tend to pay car insurance rates that are higher than the standard average.

But not all high-risk drivers are labeled as such because of unsafe or irresponsible driving. Some individuals — such as teenagers or drivers above the age of 65 — are considered high risk simply because of their age.

Non-standard auto insurance is the same as high-risk car insurance. Individuals who are considered high-risk pay non-standard rates for car insurance coverage.

In contrast, SR-22 coverage is required once a person is caught committing certain infractions. Not all high-risk drivers require an SR-22, but all individuals who require an SR-22 are considered high-risk drivers.

Because of the nature of being high risk or requiring non-standard car insurance coverage, you can expect non-standard or SR-22 insurance costs to be well above average.

If you are searching for affordable high-risk, SR-22, or non-standard auto insurance rates, enter your ZIP code above to find the best options in your area.

Do I need high-risk, SR-22, or non-standard auto insurance?

In some ways, high-risk, SR-22, and non-standard car insurance are all related. If you are required to have an SR-22 form, then you are likely considered a high-risk driver; as a high-risk driver, you will be required to find non-standard auto insurance.

However, there are some important distinctions between these labels. For instance, some people may have to purchase non-standard car insurance simply because they own a salvage title. These people are not high-risk drivers — it is the car that’s considered risky.

Similarly, a person who is considered high risk because of a dangerous career or a love of extreme sports will not need to worry about filing an SR-22.

The best way to differentiate between these three types of drives — and options for coverage — is to get a better understanding of what they mean.

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Are high-risk and non-standard auto insurance the same?

In most cases, you can use high-risk and non-standard car insurance similarly. Every individual who is considered a high-risk driver will have to search for non-standard car insurance coverage.

Most insurance companies break down coverage options into three separate risk tiers:

  • Preferred
  • Standard
  • Non-standard

As you can probably guess, preferred customers generally pay the lowest car insurance rates. Standard customers rank second in terms of cost. And non-standard individuals are in the most expensive category.

In many ways, standard vs. non-standard auto insurance is simply about car insurance rates. Those who are standard will pay less, but non-standard insurance still allows for the same types and amounts of coverage.

Anyone who is labeled a high-risk driver will be looking for non-standard car insurance coverage because they will be categorized as neither preferred nor standard by most insurance companies.

Both high-risk insurance and non-standard insurance also allow for caveats as far as reasons why someone might be labeled with these terms.

High-risk individuals, for instance, aren’t necessarily bad or negligent drivers. They could live in an area that happens to have more car accidents, or maybe they own a sports car.

In the same way, non-standard coverage is not reserved simply for bad drivers. People could pursue non-standard coverage because of the make and model of their car or because of joint coverage with someone else in their family.

How is SR-22 different from high-risk and non-standard auto insurance coverage?

Unlike high-risk and non-standard coverage, SR-22 is not actually a type of insurance. Rather, an SR-22 is a form you must file if you are caught driving irresponsibly or breaking the law.

Most people file the SR-22 through their insurance company. While the company may still choose to insure them, people who file an SR-22 can expect to pay much more for car insurance coverage.

How much is high-risk vs. SR-22 vs. non-standard auto insurance?

Car insurance rates for high-risk, SR-22, and non-standard coverage will vary based on many factors.

Typically, you can expect high-risk and non-standard insurance carriers to charge around 25% more than the standard rates for the same amount of coverage.

In contrast, rates for individuals who file an SR-22 can skyrocket up to 89% higher than their previous rates. This is dictated by the infraction(s) and its severity.

The best way to find cheap car insurance rates with an SR-22 or as a high-risk driver is to shop around for your coverage.

You can consider the type and amount of car insurance you truly need and then compare companies to find the best rates for your specific situation. Ready to buy high-risk, SR-22, or non-standard auto insurance?

If you’re looking for high-risk, SR-22, or non-standard auto insurance quotes, use our free tool below to get started.