Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Mar 25, 2019

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Drivers classified as high risk certainly have fewer options of auto insurance companies to choose from however you can find affordable coverage by shopping around.

Two of the most popular auto insurance companies for high risk insurance coverage are the General Auto Insurance company and Progressive Insurance however depending on where you live there are often more than a dozen insurers to choose from.

Compare Auto Insurance Quotes from companies who offer high risk insurance today!

Auto insurance companies use a number of different terms to describe insurance for high risk drivers including non-standard or sub-standard auto insurance. Although the name of the auto insurance coverage may vary from one provider to another they are basically the same thing – auto insurance coverage for high risk drivers.

Why would I need sub-standard or non-standard auto insurance?

Auto insurance premiums are based on risk and while auto insurance companies advertise to all drivers there are still certain profiles considered too risky to insure by many providers.

The actual criteria for who falls outside the qualification boundaries for typical auto insurance is different between each car insurance company however there are common elements which pose you higher risk no matter where you go.

Most drivers who end up having to find a sub-standard or non-standard auto insurance policy usually have some negative history such as:

  • DUI or DWI
  • Excessive Traffic Tickets
  • Excessive Claims History
  • Traffic Felony Conviction
  • Bad Credit

Even drivers who have a policy cancelled for non-payment or a lapse in coverage greater than 6 months can often find themselves in a position where the only option for auto insurance is a sub-standard or non-standard policy.

Most drivers will never have to face the challenge of trying to find affordable auto insurance for a high risk profile but if you happen to fall in this category its more important than ever to compare auto insurance companies and shop around for the best rates and coverage.

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How much is non-standard or sub-standard auto insurance?

The cost of auto insurance for high risk drivers can be up to 200% or more than typical good drivers. This is due to both an increase in premiums and many times the lack of auto insurance discounts available compared to car insurance for good drivers.

If you have a high risk profile then logically you should pay more although sometimes auto insurance quotes for substandard and nonstandard auto insurance coverage can be extraordinarily high. This really depends on your overall profile and the particular auto insurance company you inquired with.

For drivers who are denied coverage there are state programs available to assist you in obtaining auto insurance through the voluntary market however whatever way you obtain insurance expect to pay more.

Is auto insurance coverage for high risk drivers the same as for good drivers?

This is another catch in the auto insurance industry where drivers who only qualify for a nonstandard or substandard policy may often get affordable rates but have extremely limited coverage in the event of an accident. Some drivers end up paying the same price good drivers pay while still remaining uninsured or underinsured in a car accident.

This is where your knowledge of how auto insurance works plays a big role in finding the best policy coverage. You must learn about the types of auto insurance, how policy deductibles work, what is covered under each type of insurance and more.

There is nothing worse than having a car accident and faithfully paying high premiums every month only to find out you are not covered.

Compare Auto Insurance Quotes and start your search for policy coverage today!

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