What Is the Difference Between Standard and Non-Standard Auto Insurance?

Standard auto insurance is typically offered to drivers who meet specific driving history criteria. These policies are designed for individuals who are considered lower risk by insurance companies. These drivers may have more options and competitive rates.

Standard policies are usually available through major carriers and may include various coverage types depending on the insurer’s offerings. While rates and coverage vary, standard insurance is generally structured for those within the preferred risk category.

What Makes Auto Insurance Non-Standard?

Non-standard auto insurance is designed for drivers outside the preferred risk category. This can include individuals with DUI convictions, multiple traffic violations, recent accidents or lapses in coverage. Drivers who must file an SR-22 form typically need non-standard auto insurance coverage.

Non-standard policies are often issued by specialized carriers that focus on higher-risk profiles. These policies may have different terms, higher premiums or limited coverage options compared to standard plans. While they serve an essential role in keeping drivers legally compliant, they are tailored to meet the needs of those who may not qualify for traditional coverage.

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If you have questions about whether standard or non-standard auto insurance is right for you, contact HSB Insurance Agency, LLC today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.