Who Needs Nonstandard Auto Insurance—A Guide for High-risk Drivers in California

Not every motorist qualifies for standard auto insurance in California, where driving is often a daily necessity for millions of individuals and families. Still, having difficulty finding coverage is no excuse for not having insurance. That’s why, for those considered high-risk, nonstandard auto insurance can offer a vital path to staying legally covered and on the road.

What Is Nonstandard Auto Insurance?

Nonstandard auto insurance is a type of policy designed for drivers who don’t meet the criteria for traditional coverage. These policies are typically offered by insurers who work with higher-risk profiles. While they may come with higher premiums or limited coverage options, they fulfill California’s legal requirements for liability insurance.

Why Might Someone Need Nonstandard Auto Insurance?

Several factors can push a driver into the nonstandard category, including the following:

• Driving history, such as having multiple accidents, traffic violations or DUI convictions

• Insurance gaps, including a lapse in prior coverage, can raise red flags for insurers

• New drivers, such as young or newly licensed drivers who may lack experience behind the wheel

• Vehicle type, such as high-performance or modified vehicles, may require specialized coverage

• Credit issues, as poor credit can impact insurance eligibility

How Can High-risk Drivers Find the Right Nonstandard Auto Coverage?

Finding the right nonstandard policy starts with research. When shopping around for coverage, consider the following steps:

• Work with independent agents who can compare multiple insurers.

• Use online comparison tools to evaluate quotes and coverage options.

• Look for insurers specializing in high-risk drivers.

• Ask about discounts for defensive driving courses or telematics programs.

We’re Here to Help

At Policy Pilot Insurance in Bellflower, California, our dedicated team can help you understand nonstandard auto insurance and explore available options. We have the knowledge and experience to assess your needs and procure a suitable policy. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.