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Standard and Non-Standard Car Insurance

What is the difference between standard and non-standard car insurance?

If you’re shopping for car insurance with a little bit of driving record baggage in tow, you know it can be hard to find a good policy at a good price.  You might be hearing a lot about insurance risk levels, non-standard car insurance, liability, and different types of coverage.  How can you know which auto insurance you qualify for?  It may depend on your record as a driver.

The kind of coverage you are able to get will likely depend on your “risk” level as determined by a car insurance company.  Your risk level is assessed by a number of factors, including your driving record, the type of car you own, and your criminal history.  “Low-risk” drivers and “high-risk” drivers present different risk levels to insurance companies, and low-risk drivers are viewed as less of a problem to insure than are high-risk drivers.

What Is Standard Auto Insurance Coverage?

Drivers who qualify for standard car insurance likely have a clean driving record, no criminal background, and good credit.  Standard car insurance may cost less than non-standard car insurance, and is typically easier to qualify for.

What is Non-Standard Car Insurance?

Non-standard auto insurance is a viable alternative for drivers who fall outside of the “low-risk” category.  Drivers who might benefit from non-standard car insurance could include those who have…

  • A high-value or specialized vehicle
  • A poor credit history
  • An SR22 form
  • Been convicted of a DUI
  • Been convicted of a DWI
  • Filed too many insurance claims
  • Had multiple accidents
  • Let their insurance lapse 
  • Multiple traffic violations
  • No prior coverage

Depending on the car insurance provider you choose, non-standard car insurance policies may have a higher rate than standard ones.  It’s best to shop around before choosing an auto insurance provider so you can get the most for your money, even with non-standard car insurance.

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