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Non-Standard Auto Insurance After a Violation

Non-standard auto insurance is coverage designed for drivers considered high-risk due to violations, accidents, DUIs, lapses in coverage, or license suspensions. Approximately 15-20% of drivers require non-standard policies, and rates typically run 50-300% higher than standard market premiums.

Updated April 2026

What Is Non-Standard Auto Insurance Insurance?

How Much Does Non-Standard Auto Insurance Insurance Cost?

  • Violation severity—DUI violations typically add 80-150% to premiums, while speeding tickets add 20-40% depending on speed over the limit.
  • Number of incidents—a single at-fault accident may increase rates 40-60%, while two or more within three years can triple premiums.
  • Time since violation—rates typically decrease 15-25% after the first year without new incidents, with steeper drops at the three-year mark.
  • SR-22 or FR-44 filing requirements add $15-$50/month in filing fees plus the underwriting surcharge for the underlying violation.
  • Coverage level selected—choosing state minimum liability instead of full coverage can reduce non-standard premiums by 40-60%.
  • Geographic location—urban areas with higher accident and theft rates see non-standard premiums 25-50% higher than rural regions.

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Who Needs Non-Standard Auto Insurance Insurance?

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