Non standard auto insurance companies provide insurance for drivers who may not qualify for traditional coverage due to their driving history or other risk-related factors.
This can include drivers with multiple traffic violations, DUI convictions, lapses in coverage, or those who are newly licensed. While this type of insurance typically costs more than standard policies, it provides a crucial path for high-risk drivers to maintain legal driving status and stay on the road.
Because premiums for non standard auto insurance tend to be higher, it’s important for drivers to compare providers to find the most affordable and comprehensive coverage for their unique situation.
The good news is that many reputable insurers specialize in high-risk policies, offering flexible options tailored to individual risk levels.
In this guide, we’ve compiled a list of the top 10 non standard auto insurance companies in the U.S. These providers are known for their willingness to work with high-risk drivers and offer competitive pricing, customized policy options, and solid customer support.
Whether you’re recovering from past driving mistakes or just getting started, these companies can help you get back behind the wheel with confidence.
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What is Non Standard Auto Insurance?
Non standard auto insurance is a type of car insurance designed specifically for drivers classified as “high-risk” by insurers.
These individuals typically face difficulty qualifying for standard insurance due to a range of factors such as poor driving records, serious traffic violations (including DUIs), limited or no prior insurance coverage, or a need for SR-22 filings. Young and inexperienced drivers, especially teenagers, also often fall into this high-risk category.
Because of the increased likelihood of filing claims, insurance providers consider these drivers more costly to insure. As a result, traditional coverage is either unavailable or prohibitively expensive. That’s where non standard auto insurance companies come in.
These specialized insurers offer policies that allow high-risk drivers to meet their state’s legal requirements and stay on the road.
While non standard policies include the same core coverages as standard auto insurance—like liability, collision, and comprehensive—they typically come with higher premiums, lower coverage limits, fewer add-on options, and stricter eligibility rules.
Despite these trade-offs, non standard auto insurance companies play a crucial role in making coverage accessible to drivers who would otherwise be uninsured, helping them rebuild their driving history and eventually transition to standard policies.
Top 10 Non Standard Auto Insurance Companies in the US
Here are the Top 10 Non-Standard Auto Insurance Companies in the U.S., each offering specialized coverage options tailored for high-risk drivers:
1. Progressive
Progressive stands out as one of the top non standard auto insurance companies in the U.S., providing reliable coverage for high-risk drivers who may struggle to qualify for traditional policies.
Whether you have a history of accidents, traffic violations, or lapses in coverage, Progressive offers flexible policy options tailored to your unique needs.
The company is known for its competitive rates, customizable plans, and willingness to insure drivers with less-than-perfect records.
Progressive also offers SR-22 filings, which are often required for drivers reinstating their licenses after a serious violation. Their intuitive online platform makes it easy to get a quote, manage your policy, and file claims quickly and efficiently.
For high-risk drivers looking for a dependable provider, Progressive delivers peace of mind through excellent customer service, digital convenience, and a range of coverage options that make it one of the most trusted non standard auto insurance companies in the country.
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2. GEICO
GEICO is widely recognized as one of the top non standard auto insurance companies in the U.S., offering tailored solutions for high-risk drivers who may not meet the criteria for standard policies.
Whether you’ve had multiple traffic violations, a DUI, or a lapse in insurance coverage, GEICO’s flexible and accessible options can help you stay insured and compliant with state laws.
Known for its affordability and excellent customer service, GEICO makes it easy to find a plan that fits your specific circumstances.
They provide customizable coverage options, including liability, collision, and comprehensive insurance, as well as support for SR-22 filings when required. GEICO’s streamlined online platform and mobile app simplify quote comparisons, policy management, and claims tracking.
For drivers seeking dependable, affordable non standard coverage, GEICO is a trusted provider that balances convenience, cost-efficiency, and comprehensive protection.
3. The General
The General is one of the most recognized non standard auto insurance companies in the United States, offering essential coverage for high-risk drivers who may be denied by traditional insurers.
Whether due to a poor driving record, multiple traffic violations, or gaps in insurance history, The General steps in to provide accessible solutions tailored to these challenges.
What sets The General apart is its commitment to fast service and flexibility. They offer instant online quotes, allowing drivers to quickly understand their options and secure coverage within minutes.
Additionally, The General provides a range of flexible payment plans to help make premiums more manageable—especially important for those on tight budgets.
With a focus on ease, affordability, and coverage continuity, The General empowers high-risk drivers to stay insured and compliant with state laws. It remains a go-to choice for anyone seeking dependable non standard auto insurance.
4. Dairyland
Dairyland Insurance is a leading provider among non standard auto insurance companies, offering reliable coverage options specifically designed for high-risk drivers.
Whether you’ve faced driving infractions, accidents, lapses in coverage, or require an SR-22 filing, Dairyland helps drivers regain and maintain legal driving status.
One of Dairyland’s strengths is its flexibility in crafting policies that accommodate various risk profiles. They offer a wide range of coverages including liability, collision, comprehensive, and uninsured motorist protection. For drivers mandated to file an SR-22, Dairyland simplifies the process by including it directly with your policy.
Their reputation for attentive and responsive customer service sets them apart. With 24/7 claims support and easy access to quotes online or by phone, Dairyland ensures that high-risk drivers have the support they need when it matters most. It’s a solid choice for those seeking dependable non standard auto insurance.
5. SafeAuto
SafeAuto is a well-established name among non standard auto insurance companies, catering specifically to high-risk drivers who need affordable and legally compliant auto coverage.
Whether you’ve experienced multiple traffic violations, a DUI, or a lapse in insurance, SafeAuto provides a straightforward solution to help you stay insured and on the road.
The company specializes in offering minimum-limit liability insurance, which is often the fastest and most affordable way for high-risk drivers to meet state requirements.
SafeAuto understands that budget and accessibility matter, so they provide flexible payment plans and easy online policy management. Their quick quote process also ensures that drivers can secure coverage without hassle or delay.
With a strong focus on meeting the legal requirements to drive and maintaining coverage for those with complex histories, SafeAuto remains a dependable choice for non standard auto insurance that prioritizes affordability and simplicity.
6. Direct Auto Insurance
Direct Auto Insurance is a standout provider among non standard auto insurance companies, known for serving high-risk drivers with customizable and budget-friendly coverage.
Whether you’ve had accidents, a DUI, poor credit, or gaps in insurance history, Direct Auto designs policies that help you meet your state’s minimum legal requirements without breaking the bank.
One of Direct Auto’s biggest strengths is its flexibility. The company offers a wide range of discounts—such as safe driver, military, and multi-policy discounts—as well as payment plans that accommodate different financial situations. This approach makes it easier for drivers with challenging histories to obtain and maintain coverage.
In addition to offering SR-22 filings and other high-risk driver support, Direct Auto has a user-friendly website and local agent presence, making it convenient to get quotes, file claims, or ask questions. It’s a practical and accessible solution for drivers seeking non standard auto insurance.
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7. Infinity Insurance
Infinity Insurance is a respected provider among non standard auto insurance companies, delivering coverage solutions tailored for drivers with complex or high-risk insurance profiles.
Whether due to a poor driving record, multiple violations, or a need for SR-22 certification, Infinity helps ensure that drivers remain legally insured and protected on the road.
A major advantage of choosing Infinity is its commitment to serving a diverse customer base. With bilingual services in English and Spanish, the company ensures clear communication and support for non-English-speaking clients.
Infinity also offers a wide array of coverage options—from basic liability to comprehensive plans—making it easier for high-risk drivers to find the protection that fits their needs and budget.
With flexible payment plans, local agents, and a focus on accessibility, Infinity Insurance stands out as a customer-focused provider in the non standard auto insurance space.
8. National General
National General is a trusted name among non standard auto insurance companies, offering tailored policies for high-risk drivers who may struggle to qualify for traditional coverage.
Whether you have a history of traffic violations, accidents, or require an SR-22 filing, National General provides flexible and affordable solutions to keep you on the road legally.
National General is known for its broad range of services, including customizable coverage options that allow you to personalize your policy based on your specific needs.
In addition to basic liability, collision, and comprehensive coverage, they also offer valuable add-ons like roadside assistance, ensuring that you’re never left stranded in an emergency.
With an easy-to-use online platform and dedicated customer support, National General makes it simple for drivers to manage their policies, file claims, and receive help whenever needed. For those seeking dependable non standard auto insurance with extra benefits, National General is a top option.
9. Acceptance Insurance
Acceptance Insurance is a leading provider of non-standard auto insurance, catering specifically to high-risk drivers who may struggle to qualify for traditional insurance coverage.
Whether due to poor driving history, multiple accidents, or lapses in previous coverage, Acceptance Insurance offers flexible solutions to ensure that drivers meet their state’s minimum legal requirements.
One of the key benefits of choosing Acceptance Insurance is their commitment to flexibility. They offer a range of coverage options, including liability, collision, and comprehensive plans, all designed to accommodate the unique needs of high-risk drivers.
Additionally, Acceptance Insurance understands the challenges these drivers face, so they provide a variety of payment plans to help make premiums more affordable and accessible.
With a focus on customer service, Acceptance Insurance ensures that drivers receive the support they need to remain insured and compliant. Their wide range of options and commitment to helping high-risk drivers makes them a reliable choice for non standard auto insurance.
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10. Freeway Insurance
Freeway Insurance is a reliable provider among non standard auto insurance companies, specializing in policies designed for drivers with challenging driving histories.
Whether you have multiple traffic violations, a DUI, or gaps in your insurance coverage, Freeway Insurance offers flexible solutions to meet your needs and keep you legally insured.
One of Freeway’s standout features is its commitment to providing affordable coverage options for high-risk drivers. The company offers a range of policies, from basic liability to comprehensive coverage, ensuring that drivers have access to the protection they need.
Freeway Insurance works hard to find cost-effective solutions, making it easier for drivers to maintain their insurance despite their complex histories.
In addition to competitive rates, Freeway Insurance provides personalized customer service, helping you navigate your policy options and find the best coverage for your situation. With a focus on affordability and flexibility, Freeway Insurance remains a top choice for drivers in need of non standard auto insurance.
FAQs
What is non-standard auto insurance?
Non-standard auto insurance is a type of coverage designed for high-risk drivers who may not qualify for regular, standard auto insurance. This includes drivers with poor driving records, multiple traffic violations, or those who need an SR-22 filing. Non-standard insurance typically comes with higher premiums and limited coverage options.
Why do non-standard auto insurance policies cost more?
Non-standard auto insurance policies tend to cost more because they are designed for high-risk drivers, who are statistically more likely to file claims. Insurance companies charge higher premiums to offset the increased risk and potential for higher payout costs.
Who needs non-standard auto insurance?
Drivers who have poor driving records, multiple accidents or violations, a history of DUI/DWI offenses, limited or no prior insurance, or those who need SR-22 certification often need non-standard auto insurance. Young drivers and those with a lapse in insurance coverage may also fall into this category.
Can I get the same coverage as standard insurance with non-standard auto insurance?
While non-standard auto insurance offers the same basic types of coverage (liability, collision, and comprehensive), the coverage limits may be lower, and fewer optional add-ons may be available. However, non-standard policies still provide the minimum legal requirements in most states.
How can I find the best deal on non-standard auto insurance?
To find the best deal on non-standard auto insurance, it’s important to shop around and compare rates from multiple providers. Some non-standard insurance companies may offer discounts for factors like having a clean driving record, taking a defensive driving course, or bundling policies. Always review the terms, coverage limits, and customer service before making a decision.
Conclusion
Non-standard auto insurance companies offer essential coverage for high-risk drivers who may struggle to obtain traditional insurance due to factors like a poor driving history, traffic violations, or a need for SR-22 certification.
While these policies come with higher premiums and sometimes limited coverage options, they ensure drivers remain compliant with state laws and protected on the road.
To find the best rates, it’s crucial to shop around and compare providers. By understanding your needs and exploring various options, you can secure affordable and reliable coverage, ensuring peace of mind while driving.
References
- Best Non-Standard Insurance Companies in 2025
- Non Standard Auto Insurance Companies: The Complete List
