Updated April 2026
What Is Non-Standard Auto Insurance Insurance?
How Much Does Non-Standard Auto Insurance Insurance Cost?
- Type and severity of violation: DUIs typically increase premiums 80-150%, while multiple at-fault accidents may add 60-120%, with exact multipliers varying by carrier and state.
- Time since violation: Premiums generally decrease 15-25% annually as violations age, with most carriers reducing rates significantly once violations reach the 3-year mark.
- Required SR-22 or FR-44 filing: The filing itself adds approximately $15-35/month to premiums on top of the underlying rate increase from the violation that triggered the requirement.
- Coverage level selected: Liability-only non-standard policies typically cost $150-$250/month, while adding collision and comprehensive can increase total cost to $300-$500/month due to higher risk of filing claims.
- Number of violations or claims: Each additional at-fault accident or major violation typically adds 30-60% to the base premium, with three or more incidents sometimes requiring specialty high-risk insurers.
- Geographic location and state minimum requirements: Urban areas with higher claim frequencies and states with elevated minimum liability limits both increase non-standard premiums significantly, with variations of 40-80% between low and high-cost markets.
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