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: Apr 1, 2021

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Don't Forget These Facts

  • Non-standard auto insurance provides insurance coverage for drivers with bad driving records.
  • A poor driving record includes a history of multiple accidents, excessive traffic violations, or one or more DUIs.
  • SR-22 insurance is required for high-risk drivers.

Non-standard auto insurance is the answer to high-risk drivers who need auto insurance but carry a poor driving record. Any non-standard car insurance policy requires SR-22 filing. But how much does it cost?

Read our non-standard auto insurance guide to learn the ins and outs of non-standard auto insurance, how much it costs per month, and what companies offer it.

If you want to compare companies that provide cheap non-standard auto insurance in your local area, enter your ZIP code in the free comparison tool above.

What is non-standard auto insurance?

Non-standard car insurance is high-driver insurance and provides coverage for individuals with poor driving records. Multiple accidents, traffic violations, and DUI convictions require non-standard auto insurance and SR-22 insurance certification.

Why do you need SR-22? Your state will reprimand high-risk drivers because it correlates to negligence. Therefore, you’ll need to pay fines and an SR-22 filing fee.

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How does non-standard auto insurance work?

Whenever you need non-standard auto insurance, you’ll need to report personal information to the auto insurance company about your driving record. If you lie about your driving record, the car insurance company may deny you coverage.

Non-standard car insurance works the same as standard car insurance, but you’ll pay more for coverage with lower coverage limits. In addition to higher costs, you’ll need an SR-22 filing.

Most non-standard car insurance policyholders will need SR-22 insurance certification. The SR-22 filing fee is $15 to $25, and lasts at least three years. The SR-22 period varies by state, so check your local DMV for specifics.

Five Reasons Why You’re in the Non-Standard Auto Insurance Category

Did you know that you may require non-standard auto insurance because you have a salvage title? Some conditions may require you to get a non-standard car insurance policy even with a decent driving record. Let’s explore three reasons why you need non-standard auto insurance.

You Have Too Many Traffic Violations

Too many traffic violations can put you in the high-risk category. It will increase your rates. In some situations, you may not need SR-22 insurance.

Your Vehicle has a Salvage Title

Rebuilt cars aren’t eligible for collision and comprehensive coverage, and some auto insurance companies may not insure a rebuilt vehicle. Therefore, you’ll need a non-standard car insurance policy.

Multiple Accidents and Filed Claims

Non-standard car insurance is mandatory for policyholders who have too many accidents and filed claims on their driving record.

Auto insurance companies monitor insurance through the Comprehensive Loss Underwriting Exchange (C.L.U.E.) – a database that records the history of accidents, claims, and policyholders’ payment history.

SR-22 Insurance is Required

We mentioned how SR-22 insurance is vital to non-standard car insurance. Anytime you need SR-22 (or FR-44), you’ll need a non-standard auto insurance policy.

You’re a Teen or New Driver

Teen and new drivers are seen as inexperienced drivers, and car insurance companies will issue higher than average auto insurance rates, making their policy non-standard.

Non-Standard Auto Insurance Rates vs. Standard Auto Insurance Rates

Many drivers question whether non-standard auto insurance is too expensive or not. Although affordability depends on each individual’s finances, you will pay more for non-standard car insurance.

You could pay up to 90% more for non-standard auto insurance.

To understand the difference between non-standard auto insurance and standard auto insurance, we researched the average monthly cost of both insurance types for each state. Type in your state in the top right-hand corner to find your average monthly cost.

States with the Lowest SR-22 Insurance Costs
StateAnnual SR-22 Car Insurance RateAnnual 2018 Car Insurance ExpenditureDifference
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Why use SR-22 insurance rates here? SR-22 insurance rates are in the same arena as non-standard auto insurance rates.

The average cost of standard auto insurance is $121 per month, but non-standard auto insurance is $230 per month.

The best states for non-standard auto insurance regarding price are Maine, Maryland, and Indiana.

The Best States for Non-Standard Auto Insurance

According to the Insurance Journal, California, Florida, and Texas have most of the direct premiums from non-standard auto insurance policies in 2015.

Our research found direct premiums written for non-standard auto insurance:

  • California – $3.6 million
  • Florida – $2.0 million
  • Texas – $2.7 million

California, Florida, and Texas continue as the states with the most direct premiums in non-standard car insurance in 2021.

How many drivers have non-standard auto insurance?

It’s estimated that 20% of personal auto insurance is made up of non-standard policies. We searched for an exact number, but we couldn’t locate it.

How are non-standard auto insurance quotes determined?

Your driving record has the most impact on non-standard auto insurance quotes. As your driving record improves, you’ll start to see a change in auto insurance rates per year.

Other factors that determine car insurance include:

  • Commute Mileage
  • Deductible
  • Age
  • Gender (outlawed in some states)
  • Credit Score
  • Vehicle Make and Model Year
  • Coverage Level
  • Education Level

Some factors, such as education level and deductible, have a small impact on non-standard car insurance. However, age and vehicle will have a significant effect on your rates.

How do you get out of non-standard auto insurance and into standard auto insurance?

A non-standard car insurance past can hurt your chances at cheap car insurance in the future.

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Who sells non-standard auto insurance?

Some of the best auto insurance companies don’t sell non-standard auto insurance policies, but some small companies do.

We researched the web and found a list of companies that provide non-standard car insurance. Continue reading to see which companies offer non-standard policies in 2021.

Non-Standard Auto Insurance Companies List

We found 17 car insurance companies that have non-standard car insurance policies.

  • Acceptance Auto Insurance
  • Access
  • Affirmative
  • Alliance United
  • Allstate (2021)
  • Bristol West
  • Dairyland
  • Direct General
  • Infinity
  • Progressive
  • The General
  • Titan
  • United Automobile
  • Victoria
  • Safe Auto
  • State Farm (2021)

Allstate and State Farm entered the non-standard auto insurance market recently.

Allstate purchased National General – a company known for non-standard auto insurance policies. State Farm purchased Gainsco – another non-standard car insurance company that’s been in business for 98 years before State Farm bought it.

Non-Standard Auto Insurance: The Bottom Line

Non-standard auto insurance may be more expensive than standard auto insurance, but you can take advantage of discounts to lower your monthly premiums.

High-risk driving status does not disqualify you from cheap SR-22 insurance. If you can’t locate discounts at your current auto insurance provider, start shopping around for more affordable prices.

Before you buy non-standard auto insurance, enter your ZIP code in the free online quote tool below.