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Compare Auto Insurance for Drivers with Driving Records

Compare liability, full coverage, and non-standard insurance options across all 50 states.

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Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

A man in a dark quarter-zip sweater sits at a wooden desk using a laptop, with a notebook, pen, papers, eyeglasses and a tumbler nearby, beside a window showing a dusk sky.Liability InsuranceCovers damage you cause to others in an accident. Every state except New Hampshire requires minimum liability limits, typically ranging from 25/50/25 to 100/300/100.A hand holds out a car key with a black remote fob above a wooden table holding a stack of papers with a pen and a laptop edge, with a blurred kitchen interior behind.Full CoverageCombines liability, collision, and comprehensive insurance in one policy. Full coverage is required by most lenders and costs 2-3x more than liability-only after a violation.A black mailbox on a post with its door open, a raised red flag, and a manila envelope inside, beside a gravel driveway with a blurred dark SUV and house in the background at dusk.Non-Standard Auto InsuranceSpecialized policies for high-risk drivers who have been denied by standard carriers. Non-standard insurers accept drivers with DUIs, multiple violations, or SR-22 filing requirements.A woman sits in the driver's seat of a vehicle holding a phone to her ear, viewed through the windshield with a steering wheel in the foreground.Uninsured Motorist CoverageProtects you when hit by a driver with no insurance. Required in 22 states and recommended in all others, as 13% of U.S. drivers carry no insurance.An open black mailbox on a wooden post holds a white envelope, with a gravel driveway, grass, a parked car and a garage blurred behind at sunset.SR-22 InsuranceCertificate of financial responsibility required after DUI, multiple violations, or license suspension. SR-22 filing adds $15-$50 to premiums and must be maintained for 1-5 years depending on state.A bearded man in a black cap and gray hoodie sits in a vehicle's driver seat fastening his seat belt, with trees visible through the windows.Collision CoveragePays to repair your vehicle after an accident, regardless of fault. Collision coverage is optional unless you finance or lease, and typically carries a $500-$1,000 deductible.

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A hand holds a black car key on a ring above a wooden table with a clipboard of printed forms and a pen, in a blurred interior with a hanging lamp and a dark mug.7/13/2026CDL Points Non-Renewal RiskCDL holders face non-renewal at lower point thresholds than standard drivers. Compare non-standard carriers before your policy terminates.An open black mailbox with a raised red flag on a wooden post, holding a white envelope, with a dark car parked under a carport of a house blurred in the background at dusk.7/13/2026VA Demerit Point Removal TimelineVirginia DMV points expire 2 years from violation; carrier surcharges run 3-5 years from conviction. The gap costs $80-$130/month most drivers miss.An open black mailbox with a raised red flag holds a white envelope, with a dark sedan parked in a driveway in front of a house blurred in the background.7/13/2026High-Risk Car Insurance in MassachusettsMassachusetts has no SR-22. High-risk drivers pay $226-$268/mo after points. Compare 12 carriers for after-DUI and points profiles.
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Frequently Asked Questions

What is non-standard auto insurance?

Non-standard insurance is coverage for drivers who don't qualify for standard policies due to violations, accidents, or gaps in coverage. These carriers charge higher premiums but accept drivers with imperfect records.

Do I need full coverage if I have a driving record?

Full coverage is required if you finance or lease your vehicle. If you own your car outright, liability-only is legal but leaves you unprotected for damage to your own vehicle after an at-fault accident.

How does state minimum coverage work?

State minimums define the lowest liability limits you can legally carry, expressed as three numbers like 25/50/25. These represent bodily injury per person, bodily injury per accident, and property damage in thousands of dollars.