Updated April 2026
What Is Non-Standard Auto Insurance Insurance?
How Much Does Non-Standard Auto Insurance Insurance Cost?
- Type and severity of driving record issue—a single DUI typically adds 80–150% to premiums, while multiple at-fault accidents can double or triple rates.
- Time since the incident—a DUI from six months ago costs significantly more than one from four years ago, with most carriers reducing surcharges by 10–20% annually as violations age.
- Required SR-22 or FR-44 filing—the filing itself adds $15–$50/year, but the underlying violation that triggered it (usually DUI or uninsured driving) drives the major rate increase.
- Coverage lapse duration—a 30-day lapse may add 20–30% to premiums, while a 6-month lapse can double rates even without other violations.
- Geographic location—non-standard rates in urban areas with high claim frequency can run $100–$150/month higher than rural areas, and some states like Michigan and Florida have particularly expensive non-standard markets.
- Credit score impact—non-standard carriers in states that allow credit-based pricing impose steeper penalties for poor credit, sometimes adding 40–60% on top of already elevated base rates.
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