Updated April 2026
What Is Non-Standard Auto Insurance Insurance?
How Much Does Non-Standard Auto Insurance Insurance Cost?
- Number of license points — each point tier typically increases premiums 15–40%, with drivers at or near suspension thresholds paying the highest non-standard rates.
- Type of violation — DUIs and reckless driving trigger the steepest increases (200–300%), while minor speeding tickets or at-fault accidents may only elevate rates 50–100% in the non-standard market.
- Coverage lapse duration — gaps of 30 days or more signal heightened risk, with lapses exceeding 90 days often doubling non-standard premiums compared to continuous coverage histories.
- SR-22 or FR-44 filing requirement — state-mandated financial responsibility certificates add $15–$50/month in filing fees and restrict you to non-standard carriers with limited competition.
- Prior insurance tier — drivers moving from standard to non-standard face sharper increases than those already in non-standard pools, as the initial risk reclassification compounds existing rate factors.
- Credit score and payment history — non-standard insurers weigh credit more heavily than standard carriers, often requiring full prepayment or higher down payments for drivers with poor credit and violations.
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