Finding the right auto insurance can feel like a maze, especially if you have a less-than-perfect driving history or are a young driver just starting out. Non-standard auto insurance is often the solution for high-risk drivers, but with so many options out there, it can be tough to know where to start. That’s why we’ve rounded up the Top 10 non-standard auto insurance companies to help you find the coverage that fits your needs and budget. Whether you’re worried about cheap non-standard car insurance or just want to ensure you’re getting the best deal for your situation, we’ve got you covered. Keep reading to discover the best providers, and let’s simplify this process together!
Understanding Non-Standard Auto Insurance
Non-standard auto insurance is made for drivers who are seen as high-risk. This could include people with a poor driving record, young drivers, or those with past accidents. Regular car insurance might be too expensive or hard to get, but non-standard coverage helps fill that gap. It’s a bit like a safety net for those who don’t fit the usual mold. If you’re wondering, “Can I get affordable car insurance with a bad driving record?” the answer is yes! Many non-standard auto insurance companies offer good rates, especially if you’re looking for coverage that fits your situation. The best non-standard auto insurance can still give you the protection you need without breaking the bank.
Top 10 Non-Standard Auto Insurance Companies
Choosing the right auto insurance can be tricky, especially if you have a poor driving history or are a young driver. Non-standard auto insurance is designed for high-risk drivers like you. Here’s a list of the Top 10 non-standard auto insurance companies to help you find the best fit. Let’s dive in!
1. GEICO
Best for Young Drivers or At-Fault Drivers
GEICO is known for being affordable and easy to work with. They offer flexible plans, making them a top choice for young drivers or those with past mistakes. GEICO also gives discounts for good students and safe drivers. It’s a great option for cheap non-standard car insurance.
2. Progressive
Best for High-Risk Drivers
Progressive offers a lot of coverage options. They are perfect for high-risk drivers who might have a few accidents or violations on their record. Progressive’s high-risk car insurance is customizable. Their Name Your Price tool helps you find a policy that fits your budget.
3. State Farm
Best for Drivers with Poor Driving History
State Farm is great for people with a history of accidents or tickets. They offer flexible coverage that can fit your needs. State Farm is known for its excellent customer service. You can trust them for high-risk car insurance that’s affordable.
4. Allstate
Affordable Rates for Drivers with Prior Claims or Violations
Allstate gives good rates for drivers who have had claims or violations in the past. They also offer discounts if you bundle home and auto insurance. Allstate is a reliable choice for non-standard auto insurance companies looking for a solid policy.
5. Farmers Insurance
Exceptional Support for Drivers with Multiple Accidents
If you’ve had a few accidents, Farmers Insurance is here to help. They offer great customer service and competitive pricing. Farmers is perfect if you need help getting back on track after accidents. Their support is one of the best in the industry.
6. Esurance
Best for Drivers Seeking Cheap Non-Standard Car Insurance
Esurance is all about low-cost insurance. They make it easy to find cheap non-standard car insurance without losing too much coverage. Esurance’s online tools help you manage your policy quickly and easily. They’re a great option for budget-conscious drivers.
7. National General
Best for Flexible Payment Options
National General is great for those who need flexible payment plans. They offer affordable coverage and let you choose a payment schedule that works for you. National General is a top pick for non-standard coverage auto insurance if you want a plan that fits your budget.
8. The Hartford
Comprehensive Coverage for Drivers Who Need More Protection
The Hartford offers complete coverage with extra options like roadside assistance and rental car coverage. If you want more protection, The Hartford is a great choice. Their coverage helps drivers feel secure, even in risky situations.
9. Liberty Mutual
Best for Drivers with a Less-Than-Perfect Driving Record
Liberty Mutual is a good fit for drivers with a few mistakes in their past. They offer affordable coverage and still provide great protection. Liberty Mutual works hard to help drivers with a poor driving history find the right policy without breaking the bank.
10. SafeAuto
Best for At-Fault Drivers
SafeAuto is great for at-fault drivers who are having trouble finding coverage. They offer simple, no-frills policies at an affordable rate. SafeAuto makes it easy to get back on the road, even if you have a less-than-perfect driving record.
How to Choose the Best Non-Standard Auto Insurance Company
Choosing the right auto insurance doesn’t have to be hard. If you follow these easy steps, you can find the best coverage for your needs.
Know What Coverage You Need
Start by figuring out what kind of coverage you want. Do you need just the basics or more protection?
- Liability Insurance: Pays for damages you cause to others.
- Full Coverage: Covers both your car and others.
- Extras: Roadside help or a rental car if your car is in the shop.
Think about what matters most to you. Then, look for non-standard auto insurance that fits.
Compare Prices
Price is key. You may pay less for cheap non-standard car insurance, but it’s important to get enough coverage. To find the best deal, get quotes from different providers.
Look for discounts like:
- Safe driver discounts for good habits
- Bundle discounts for buying more than one policy
- Good student discounts for young drivers
By comparing, you can find the cheapest non-standard car insurance that still gives you what you need.
Check Customer Service
You want an insurance company that’s easy to talk to. Look up reviews to see how others feel about the service. If you have an accident or a question, you want help fast.
Make sure the high-risk car insurance provider is friendly and quick to respond.
Look for Payment Options
Make sure the payment plan works for you. Some companies let you pay monthly or every few months. Others may let you pay less up front if you agree to a higher deductible. Choose the plan that fits your budget.
Review Coverage Options
Not all policies are the same. Some companies let you add options like:
- Roadside help if your car breaks down
- Rental car coverage when your car is in the shop
- Accident forgiveness to keep rates low after an accident
Choose the options that match your needs.
Check the Company’s Reputation
You want to pick a company that’s strong and stable. Look at their financial ratings to make sure they can handle your claims. You don’t want to find out the company can’t pay when you need them the most.
Check agencies like A.M. Best for ratings.
Narrow Your Choices
Now that you know what you need, it’s time to narrow down your list. Ask for quotes, ask questions, and compare offers. This helps you find the best non-standard auto insurance.
Make Your Decision
After you compare, pick the provider that fits you best. Don’t rush. You want the right coverage at a price you can afford.
Tips for High-Risk Drivers
Finding car insurance when you’re a high-risk driver can feel overwhelming. I totally get it—sometimes it feels like the world’s against you, especially if you’ve had accidents or made a few mistakes in the past. But don’t worry, there’s a way out! Non-standard auto insurance is here for drivers just like you.
- Take Safe Driving Courses
I know it sounds like a chore, but trust me, it’s worth it. Taking a safe driving course can actually lower your rates. Plus, it’ll make you a better driver, and that’s always a win! Many companies offer discounts if you show you’re trying to improve your skills behind the wheel.
- Raise Your Deductibles
A lot of people don’t think about this one. But, raising your deductible can save you money. It means you’ll pay more out of pocket if something happens, but your monthly premium could be much lower. If you’re comfortable with that risk, it’s a simple way to cut costs.
- Shop Around for Quotes Regularly
Never settle for the first quote you get. It might be tempting, but don’t do it! Shop around and compare prices. Some companies might offer better rates or discounts if you switch. Make sure you’re getting the best deal for your situation.
Conclusion
Finding the right auto insurance doesn’t have to feel like an endless quest, especially when you’re a high-risk driver or a young driver just starting out. With so many options available, the Top 10 non-standard auto insurance companies offer tailored solutions that fit your unique needs. Whether you’re concerned about cheap non-standard car insurance or need coverage after a few accidents, there’s a provider out there for you.
