The best non-standard auto insurance companies are Direct Auto Insurance, Kemper Insurance, The General and Dairyland. These insurers offer the most affordable policies for high-risk drivers, whose driving records make obtaining coverage difficult. Although non-standard auto insurance costs more than a regular policy, it’s a way to comply with state mandated insurance limits while working to improve your driving record.
Most of the companies on this list specialize in non-standard auto insurance. GEICO and Progressive are two notable exceptions, offering car insurance policies to a wide variety of drivers, including those classified as high-risk.
When looking for non-standard insurance, the best thing you can do is shop around and get a lot of quotes. This will make it easier to find the best coverage at the lowest price. High-risk drivers are normally charged much higher premiums than the average driver, unfortunately, as they’re considered more likely to file a claim. But as your driving record starts to improve, you’ll be able to qualify for policies that offer better protection at lower rates.
Non-standard auto insurance is insurance coverage reserved for high-risk drivers. Generally, non-standard car insurance is similar to standard insurance but costs more because it is tailored for drivers who have higher risk profiles than the average driver.
Car insurance companies evaluate drivers based on the risk of them getting into an accident or filing a claim. Drivers can be considered high risk if they have previously been involved in auto accidents, if they have been convicted of DUI or if they fall into certain age brackets, for example.… read full answer
The process of obtaining non-standard insurance is the same as buying standard auto insurance, albeit more expensive. The only time the process of obtaining non-standard insurance differs from the regular process is if you have been convicted of a serious traffic violation such as a DUI that requires you to file an SR-22 or FR-44 form.
Most insurance companies, including Geico and Progressive, offer non-standard auto insurance policies. Other companies, such as The General and Safe Auto, specialize in providing non-standard insurance policies for high-risk drivers.
Yes. Geico does insure high-risk drivers. For example, Geico will insure high-risk drivers who have to file an SR-22 or FR-44 form, asserting that they’re carrying the minimum insurance coverage required by state law after a DUI or other major moving violation. However, keep in mind that risky drivers are typically charged more expensive insurance premiums.… read full answer
High-risk drivers aren’t just those who have been in several accidents or received many tickets. Teenage or senior (65+) drivers and drivers who haven’t had continuous auto insurance coverage are also considered high-risk drivers in the eyes of auto insurance providers. Since so many different factors go into determining a driver’s potential risk, such as one’s driving record, credit history, residential area and type of vehicle, it’s unavoidable that Geico and most other car insurance companies will cover high-risk drivers to some degree.
Geico Insures High-Risk Drivers Who:
Have little driving experience.
Have a poor driving record.
Have a gap in their insurance history.
Have to file SR-22 or FR-44 (FL and VA residents) forms with the state.
Have filed multiple claims.
Live in a densely populated area.
Are a teenage or senior (65+) driver.
Drive a vehicle without safety features.
Sometimes, larger auto insurance companies group high-risk drivers under subsidiary companies to keep their policies separate from customers considered less risky. Geico’s high-risk subsidiary is Geico Casualty Co., and it specializes in coverage for customers that Geico calls “non-standard risks.” Geico uses its own points system to determine how much of a risk each customer poses, so customers don’t need to worry about seeking out the company’s high-risk subsidiary directly to get a quote or pay a bill.
You can get a free Geico car insurance quote online or by contacting an agent at 1-800-207-7847.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.