What Is Non-standard Auto Insurance and Who Needs It?

Non-standard auto insurance refers to policies designed for drivers considered higher risk. Unlike standard insurance, which typically covers drivers with clean records and fewer claims, non-standard insurance caters to those with unique situations that make them more difficult to insure.

While anyone can benefit from understanding non-standard auto insurance, certain groups are more likely to require it:

• High-risk drivers—If you have a poor driving record, multiple traffic violations or a history of accidents, non-standard insurance may be your best option.

• Young or inexperienced drivers—New drivers, especially teenagers, often face higher premiums and may qualify only for non-standard coverage.

• Drivers with a lapse in coverage—If you’ve had a gap in your insurance history, it can be harder to find standard coverage, making non-standard insurance more accessible.

• Those with specialized vehicles—If you own a high-performance or modified car, you may need a non-standard policy tailored to your vehicle’s unique needs.

• Drivers who have been denied standard insurance—If traditional insurers have turned you away, non-standard insurance can provide the coverage you need.

Considerations When Choosing Non-standard Insurance

If you find yourself needing non-standard auto insurance, here are a few things to keep in mind:

• Compare quotes—Different insurers offer varying rates and coverage options. Shopping around can help you find the best deal.

• Understand your policy—Make sure you fully understand the terms, conditions and limitations of your non-standard policy.

• Look for discounts—Some non-standard insurers offer discounts for certain safe driving courses or other criteria. Be sure to ask about available discounts.

Contact Us

Contact King Insurance in Jonesboro, Georgia, for a non-standard auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.