Updated April 2026
What Is Non-Standard Auto Insurance Insurance?
How Much Does Non-Standard Auto Insurance Insurance Cost?
- Type of violation: DUIs carry the highest surcharges, followed by reckless driving, multiple at-fault accidents, and serious speeding violations
- Time since violation: rates decrease as violations age, with most insurers offering lower premiums after 3-5 years
- State requirements: SR-22 or FR-44 filing mandates, state minimum coverage levels, and state-specific surcharge formulas affect pricing
- Coverage limits selected: choosing state minimum liability vs. higher limits; adding collision and comprehensive significantly increases cost in the non-standard market
- Number of violations: each additional violation compounds the rate increase, with 2+ DUIs often resulting in assigned-risk placement
- Age and driving history length: younger drivers with violations face higher rates; drivers over 25 with otherwise clean records before the violation see smaller increases
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