What Is Non-Standard Insurance and When to Get It

Being considered an at-risk driver may be more common than you think. So many people are considered at risk by the law at some point in their lives that there is a special designation of auto insurance designed just for them. Non-Standard auto insurance was created to provide coverage for drivers with higher risk profiles than those typically accepted by a standard insurance company. It is a type of insurance policy that provides coverage for drivers who are considered higher risk for a variety of reasons.

Reasons for getting it include:

  1. A poor credit record
  2. A history of accidents
  3. Hefty violations on their driving record
  4. Those who have had their license suspended or revoked in the past

According to a recent Forbes article, nonstandard insurance coverage comprises about 20% of premiums pertaining to personal auto insurance. Others estimate the rate to be even higher.In other words, policies are needed to cover the millions of drivers who may have difficulty getting traditional coverage because of their driving history or other factors.


Non-standard auto insurance provides coverage for those drivers who may have experienced DUI convictions or received multiple traffic tickets in a short amount of time. It also provides coverage for drivers with limited or no credit history, drivers with few or no years of driving experience, drivers who have had their licenses suspended or revoked, and drivers with multiple accidents.

There may be potential downsides to getting it, however. Non-standard auto insurance is often more expensive than traditional auto insurance, so be sure to shop around and find out how much you will be charged for any policy you’re considering. Still, the ability to drive legally is important for many people to get to work or travel for other reasons in their lives. For these folks, it can provide the coverage they need to remain safe and legal on the road.


There is another potential benefit to having this type of auto insurance. It can also help drivers access coverage when they are having difficulty getting a standard policy due to their credit score, age, or other risk factors. There is a broad range of drivers who may end up needing alternative or specialized coverage. Three of the biggest categories are:

  • Drivers with a lapse in coverage
  • Drivers who need more specialized coverage, such as antique-car owners
  • Drivers with a poor driving record


Any time you’re considering obtaining car insurance or making changes to your existing coverage, it’s always a good idea to speak with a car insurance provider first. There may be requirements that determine whether or not you’re eligible. Different plans may offer different coverage options at different prices.

Most of all, you want to stay on the right side of the law, so be sure that whatever you’re getting will cover you and any other members of your household who may also be on the plan. If you may be considered at risk and your teenager is learning to drive, someone who specializes in insurance will be able to help you out. Non-Standard auto insurance is often more expensive than standard insurance, so you’ll want to be sure you know you can cover your monthly premiums, as well.


Non-standard auto insurance can be a lifesaver for those who are unable to find coverage through standard policies. it can provide the coverage needed to protect drivers as well as their cars. It may come with increased premiums, but it provides a way for drivers to stay insured even when they don’t qualify for standard policies. An Arizona Auto Insurance Provider will let you know the best way to proceed.

Once you know you’ll be covered, Arizona Auto License Service performs all types of functions to issue your driver’s license. No appointment is necessary for any service at AZ AUTO. Examples of what they offer include:

  • Eye Exams for Driver Licenses, Instruction Permits, and Renewals
  • Written & Verbal Tests
  • Driving Road Tests
  • Driver License Renewals, Reinstatements & Replacements

Looking for the best price on auto insurance? Call AZ Auto for a FREE insurance quote today, and to get all of your auto insurance questions answered.

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