What are the best non-standard auto insurance companies?

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.