Non-standard insurance refers to coverage designed for high-risk drivers who may not qualify for traditional or preferred insurance policies. These drivers often include:
- Drivers with DUI/DWI records
- Multiple accidents or traffic violations
- Poor credit history
- Lapsed insurance coverage
- Young or inexperienced drivers
- SR-22 or FR-44 filing requirements
Unlike standard insurers, non-standard insurance companies specialize in offering flexible coverage to individuals with higher risk profiles. While premiums are typically higher, these insurers provide access to essential coverage that helps drivers stay legally insured. (The Zebra)
Below are the top 10 non-standard insurance companies in the United States based on availability, affordability, customer accessibility, and coverage options.
1. Progressive Corporation — Best Overall for High-Risk Drivers
Progressive is one of the largest auto insurers in the U.S. and provides strong non-standard coverage options for high-risk drivers. The company is known for flexible pricing tools and innovative digital services.
Key Features
- “Name Your Price” tool for customized coverage
- Coverage for DUI and accident-prone drivers
- Snapshot usage-based insurance program
- Competitive rates for drivers rebuilding records
Best for: Drivers seeking flexible pricing and digital policy management.
2. The General — Best for Drivers With Poor Records
The General specializes in providing coverage to drivers who struggle to obtain insurance elsewhere. It focuses heavily on drivers with accidents, violations, or credit challenges.
Key Features
- Accepts most high-risk drivers
- Fast online quotes
- SR-22 filing support
- Flexible payment options
Best for: Drivers with severe violations or denied coverage elsewhere.
3. Direct Auto Insurance — Best for Budget-Friendly High-Risk Coverage
Direct Auto Insurance focuses specifically on non-standard policies and affordable coverage options.
Key Features
- Low down payment options
- Multiple driver discounts
- Flexible payment schedules
- Instant policy approval
Best for: Drivers looking for affordable coverage and flexible payment plans.
4. Dairyland Insurance — Best for DUI Drivers
Dairyland Insurance is known for insuring high-risk drivers, especially those with DUI records.
Key Features
- Accepts drivers with DUI history
- Motorcycle and auto coverage options
- Low initial down payments
- Flexible billing
Best for: Drivers with DUI or serious driving violations.
5. GAINSCO — Best for Minimum Liability Coverage
GAINSCO provides basic auto insurance policies, focusing on state minimum liability coverage.
Key Features
- Focus on minimum coverage policies
- Designed for high-risk drivers
- Flexible underwriting guidelines
- Motorcycle and auto coverage options
Best for: Drivers seeking affordable minimum liability policies.
6. Kemper Corporation — Best for Specialized Risk Coverage
Kemper offers specialized policies for high-risk drivers and individuals with limited insurance history.
Key Features
- Coverage for drivers with poor credit
- Non-owner insurance options
- Customizable policy features
- Strong agent network
Best for: Drivers needing specialized or customized risk coverage.
7. Infinity Insurance — Best for Spanish-Speaking Drivers
Infinity Insurance focuses heavily on underserved markets and high-risk drivers.
Key Features
- Strong bilingual customer support
- Flexible underwriting rules
- Coverage for high-risk drivers
- Affordable policy options
Best for: Multicultural and Spanish-speaking communities.
8. SafeAuto — Best for Minimum Legal Coverage
SafeAuto specializes in state minimum liability insurance policies.
Key Features
- State minimum coverage focus
- Quick approval process
- Affordable policies
- Flexible payment plans
Best for: Drivers needing legally required coverage quickly.
9. Mercury Insurance — Best Regional Non-Standard Coverage
Mercury Insurance provides personal auto coverage in multiple U.S. states and focuses primarily on auto and homeowners insurance. (Wikipedia)
Key Features
- Multiple policy options
- Competitive pricing in select states
- Wide agent network
- Personalized service
Best for: Drivers in supported states seeking competitive rates.
10. Acceptance Insurance — Best for Flexible Agent Support
Acceptance Insurance specializes in non-standard auto insurance and operates hundreds of retail locations across multiple states. (Wikipedia)
Key Features
- Large network of agents
- Personalized customer service
- Multiple coverage types
- Flexible payment options
Best for: Drivers wanting in-person agent assistance.
What Makes a Good Non-Standard Insurance Company?
When choosing a non-standard insurer, consider:
✔ Coverage Availability
Check whether the company operates in your state.
✔ Pricing and Discounts
Compare quotes because premiums vary widely.
✔ Financial Stability
Choose insurers with strong financial ratings.
✔ Claims Process
Fast claims processing improves customer satisfaction.
✔ Payment Flexibility
Look for low down payments and flexible billing.
Experts recommend comparing multiple quotes before purchasing coverage to find the most affordable option. (The Zebra)
Who Needs Non-Standard Auto Insurance?
You may need non-standard insurance if you:
- Have multiple traffic violations
- Have a DUI or reckless driving conviction
- Are a new driver with limited history
- Have poor credit or gaps in coverage
- Require SR-22 documentation
Non-standard policies ensure drivers remain legally insured while improving their risk profile over time.
How Much Does Non-Standard Insurance Cost?
Non-standard insurance typically costs more than standard policies due to higher risk exposure. Premiums depend on:
- Driving history
- Location
- Age
- Credit score
- Vehicle type
- Coverage level
Some insurers offer policies starting around $65 monthly depending on risk level and coverage options. (AutoInsurance.org)
Pros and Cons of Non-Standard Insurance
Advantages
✔ Coverage for high-risk drivers
✔ Flexible underwriting
✔ SR-22 filing availability
✔ Quick policy approval
Disadvantages
✘ Higher premiums
✘ Limited discounts
✘ Basic coverage options with some providers
Final Thoughts: Choosing the Best Non-Standard Insurance Company
Non-standard insurance plays a critical role in helping high-risk drivers stay insured and legally compliant. Companies like Progressive, The General, and Direct Auto provide flexible solutions for drivers with challenging records, while providers like Mercury and Acceptance offer strong regional and agent-based services.
The best insurer for you depends on your driving history, budget, and coverage needs. Always compare quotes from multiple providers and review policy details carefully before purchasing coverage.
If you’re rebuilding your driving record, non-standard insurance can serve as a stepping stone toward qualifying for lower-cost standard insurance in the future.