Who Needs Non-standard Auto Insurance? Identifying High-Risk Drivers

Auto insurance is necessary for all drivers, but not everyone qualifies for standard insurance policies. Non-standard auto insurance is specifically designed for high-risk drivers who may struggle to find coverage through traditional insurers.

These policies often come with higher premiums and may have different terms than standard insurance. However, they help ensure that high-risk drivers can still meet the state’s legal requirements.

Who Is a High-Risk Driver?

Several factors can lead to a driver being classified as high-risk and needing non-standard auto insurance:

• DUI/DWI convictions—Drivers with a history of driving under the influence (DUI) or driving while intoxicated (DWI) are considered high-risk due to the increased likelihood of accidents.

• Multiple traffic violations—Frequent traffic infractions such as speeding or running red lights can result in a high-risk classification.

• At-fault accidents—Drivers involved in multiple at-fault accidents may be deemed high-risk by insurers.

• Lapsed insurance coverage—Gaps in your insurance history can signal higher risk to insurers, leading to the need for non-standard coverage.

• Young or inexperienced drivers—New drivers, particularly teenagers, are often considered high-risk due to their lack of driving experience.

Tips for High-Risk Drivers

If you are classified as a high-risk driver and need non-standard auto insurance, consider the following tips to help manage your insurance costs and improve your driving record:

• Complete a defensive driving course to improve driving skills and potentially qualify for car insurance discounts.

• Maintain a clean driving record and avoid further traffic violations and accidents to gradually improve your risk profile.

• Choose a vehicle with high safety ratings and features to potentially lower your insurance premiums.

• Compare quotes from multiple non-standard insurers to find the best rate and coverage options.

• Work with an insurance agent specializing in high-risk policies can help you navigate the process and find the best coverage for your needs.

Contact Us

Contact A-Able Auto Insurance Agency in Dallas, Texas, for a personalized auto insurance quote.

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.