The Complete List of Non-Standard Auto Insurers

Getting non-standard car insurance can be a frustrating process. With spotty driving records or less-than-perfect credit, many high-risk drivers get rejected time and again by standard insurers.

Where do you turn when regular companies deny your application? Which carriers actually want to cover risky motorists?

At First Choice Insurance, we specialize in finding coverage for the hard-to-insure. We know which non-standard insurers offer the policies high-risk drivers need.

In this comprehensive guide, we’ll identify every major non-standard auto insurance provider nationwide Read on for

• Our exclusive list of non-standard insurance companies
• What coverage is available from each high-risk insurer
• How to shop non-standard policies and save
• FAQs about non-standard auto insurance

We’ll explain everything you need to know about locating affordable non-standard car insurance that caters to your situation.

The Complete List of Non-Standard Auto Insurers

Ready to see all the top options for high-risk auto coverage in one place? Here is First Choice Insurance’s definitive list of leading non-standard insurance providers:

The General

• Available in 46 states
• Bundled policies with renters/home insurance
• Monthly premiums start around $29

Direct Auto

• Specializes in non-standard policies
• Discounts for defensive driving, good student, and more
• Quotes available online or by phone

Progressive

• Top 10 US auto insurer also offers non-standard
• Name-your-price tool provides customized rate options
• Policies start at just $500 down with monthly payments

Geico

• Known for standard insurance but has non-standard options
• Usage-based program rewards safe driving habits
• Robust mobile app makes managing policy easy

Dairyland

• caters to high-risk, DUI, accident-prone drivers
• accepts cash payments and down payments as low as $50
• flexible billing and payment options

Gainsco

• Focus on non-standard policies for cars, motorcycles, classics
• Discount for taking defensive driving course
• Policies available in South, Southwest, and West

Infinity Auto

• Non-standard car insurance across multiple states
• Discounts for safe driving, good students, multi-car
• Manage your policy 24/7 with online account access

Hallmark

• Specializes in insurance for high-risk drivers
• Accepts down payments from $50 to $150
• Online quotes and policy management

Foremost

• Non-standard insurance with add-ons like roadside assistance
• Rewards safe driving with accident forgiveness
• Make a claim 24/7 by phone or mobile app

This covers the major national non-standard auto insurance companies. Some regional and smaller insurers also provide high-risk policies in certain states.

Available Coverages from Non-Standard Insurers

Non-standard policies offer the basic required liability and property damage coverages, including:

• Bodily injury liability
• Property damage liability
• Uninsured/underinsured motorist bodily injury
• Personal injury protection (PIP)
• Medical payments

However, non-standard carriers typically have strict eligibility rules and don’t offer many optional coverages like:

• Collision
• Comprehensive
• Rental reimbursement
• Roadside assistance

Policy limits may be capped lower than with standard insurers. Still, non-standard insurance satisfies state minimum requirements so you can legally drive.

Tips for Comparing Non-Standard Insurers and Saving

Non-standard insurance costs more than regular coverage. But rates can vary a lot between insurers. Follow our tips to lock in the lowest price:

• Compare quotes from at least 5 non-standard insurers
• Review all available discounts and seek eligibility
• Take defensive driving courses for premium reductions
• Ask about cash payment discounts
• Increase your deductible to lower rates
• Inquire about usage-based insurance options
• See if bundling with other policies like homeowners or renters saves money
• Work with an independent agent who can compare many providers

Shopping around is crucial to finding affordable high-risk coverage. Never settle for the first non-standard insurer you find.

Frequently Asked Questions about Non-Standard Insurance

Confused about how non-standard auto insurance works and whether it’s right for your situation? Here are answers to some common questions:

Who needs non-standard insurance?

Drivers with poor driving records, major violations like DUI, minimal previous insurance, legal issues, young drivers, and those requiring an SR-22 filing need non-standard policies.

How much does non-standard insurance cost?

Expect to pay $100-250 per month or more for minimum non-standard insurance depending on your specific risk factors. It costs significantly more than standard policies.

What is the difference between standard and non-standard auto insurance?

Standard insurers reject high-risk drivers. Non-standard companies specialize in covering these motorists, but charge higher premiums and limit policy options.

Does non-standard insurance cover collisions?

Non-standard policies may exclude collision and comprehensive, only offering required liability and PIP medical payments. Or collision/comprehensive may carry unusually high deductibles or low limits if included.

Can non-standard policies eventually convert to regular insurance?

Yes, maintaining a clean driving record with your non-standard insurer for 3-5 years can allow you to earn a standard policy with lower premiums.

Should I use an independent agent to find non-standard coverage?

Absolutely. Independent agents have access to quotes from multiple non-standard insurers, making it faster and easier to compare and find the best high-risk policy.

Trust First Choice Insurance for All Your Non-Standard Needs

As you search for affordable non-standard car insurance, turn to the experts at First Choice Insurance. Our independent agents have relationships with top-rated non-standard carriers across the nation.

We save you time by comparing quotes from multiple high-risk providers to pinpoint the perfect policy at the lowest price. And we’re here for superior ongoing service if you ever experience a claim down the road.

Don’t struggle to find high-risk coverage on your own. Contact our agency today to explore your non-standard insurance options and get back on the road:

• Call (123) 456-7890
• Visit firstchoiceinsurance.com
• Stop into one of our convenient neighborhood offices

Let First Choice Insurance match you with the ideal non-standard insurer so you can drive both legally and affordably. We look forward to serving your non-standard insurance needs!