Car Insurance With Points
Get a Quote

Non-Standard Auto Insurance

Non-standard auto insurance is coverage designed for drivers who insurers consider higher-risk due to violations, accidents, or poor credit, typically costing 50-200% more than standard policies. If you've been denied coverage or quoted drastically higher rates after tickets or an at-fault accident, you're likely being routed to the non-standard market—but rates improve as your record cleans up.

Updated April 2026

What Is Non-Standard Auto Insurance Insurance?

How Much Does Non-Standard Auto Insurance Insurance Cost?

  • Number and severity of points on your driving record—DUIs and reckless driving carry the highest surcharges, often doubling base premiums.
  • How recently violations occurred—a ticket from 6 months ago costs significantly more than one from 30 months ago, even if both are still on your record.
  • Your state's point system and lookback period—some states assess points for 3 years, others for 5, directly affecting how long you pay elevated rates.
  • Coverage level you choose—liability-only non-standard policies may cost $150-250/month, while full coverage with collision and comprehensive can exceed $400/month.
  • Credit score in states where it's allowed—poor credit combined with violations can push you to the highest-cost tier of the non-standard market.
  • Whether you've had a lapse in coverage—gaps longer than 30 days signal higher risk to non-standard insurers and increase rates by 20-40%.

See How Much You Could Save

Get personalized non-standard auto insurance insurance quotes in minutes.

Who Needs Non-Standard Auto Insurance Insurance?

Related Coverage Types

Get Your Free Non-Standard Auto Insurance Quote