Non-Standard Auto (High Risk Auto or Substandard Auto) Insurance

Non-standard auto insurance, sometimes called substandard or high risk auto insurance, is a type of car insurance policy offered to drivers who pose a higher risk to auto insurance companies. If you've been involved in an accident, have your license suspended, or are facing DUI charges, you're likely in the market for a non-standard auto insurance policy. High risk drivers will pay more for auto insurance coverage, so it's important to comparison shop online before buying a non-standard or substandard auto insurance policy. Enter your ZIP code below to find the cheapest high risk auto insurance rates near you.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Non-standard auto insurance which is also known as high risk or substandard auto insurance, is a policy that is offered to a driver that is considered to be a higher risk to the insurance company than other drivers that insurance company provides coverage to.non standard auto insurance

Some insurers specialize in non-standard auto insurance in order to offer more competitive deals on this kind of policy, whereas other insurers will offer high risk auto insurance to drivers as part of a full range of insurance policy options that are available to the insurance company.

As a rule non-standard auto insurance policies are more expensive in terms of premiums paid by policy holders than those paid for standard policies.

What makes someone qualify for non-standard auto insurance terms?

Each insurer is responsible for their own definition of risk, some individuals may find that one insurer classifies them as high risk and another does not, though many others will find that all insurance companies offer them non-standard terms for their policy.

There are some general cases which may or may not be considered to be high risk by the insurance companies:

  • If you are an older individual, particularly if you are over 70 years of age in this instance the insurer may feel that health problems in this age group present a higher risk of accident than in other age groups.
  • If you are a younger individual, particularly if you are under 20 this is because younger drivers may lack the necessary experience and maturity, in an insurance company’s view, to make the correct decisions while driving increasing their risk of paying out for an accident.
  • Previous claims and a history of accidents and/or traffic violations insurers are particularly keen that those drivers with a track record of making claims are required to make higher premium payments to remain insured, this is because they have already proven they are a higher risk.

There is one instance in which all insurance companies are going to classify an individual high-risk though shopping around can still reduce premiums in certain circumstances; and that is if the individual has recently had their license suspended or revoked for any reason. In this instance it is clear that the state has grounds to believe that the insured party was a substantial risk and the insurer must factor this into their premium calculations.

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Additional Non-Standard Auto Insurance Definitions

  • Autos.comIn the auto insurance world, non-standard auto insurance is a term for the policies given to those who don’t meet the criteria for a preferred driver. As an insurance product vendor, an auto insurance company is trying to get the best customers, those with the lowest risk rating…
  • eHow.comA non-standard automobile policy refers to automobile insurance coverage given to individuals who do not qualify as preferred drivers. Preferred drivers are those with good driving histories…
  • IRMICoverage for drivers with poor driving records, who may have been denied coverage from standard insurers offering standard auto coverage forms. Such coverage may also be appropriate for an older adult who just got a driver’s license or someone who has allowed his or her policy to lapse and is seeking to be insured again. The premium is typically much higher than that available in the standard market..

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