Nonstandard auto insurance is a classification of an auto policy tier or an auto policy company's desired customer base. Insurance companies segment and vary their rates in order to find the right customer to fit their model. Some companies have a non-standard, standard, and preferred tier. Typically, they try to derive their rates to be more attractive with higher limits for a preferred tier and more aggressive on the lower rates in the non-standard tier.

Simply, drivers who are unable to purchase standard coverage because of a poor driving record, lack of driving experience, high-performance vehicle, or lapse in coverage may fit into this category. You do not necessarily need to be a nonstandard driver to buy insurance from a nonstandard insurance company or in a nonstandard tier. Sometimes the nonstandard tier or company is able to offer a more competitive price. Some large, well known insurance companies own smaller nonstandard insurance companies and offer nonstandard policies through their agents.

CarInsurance.com offers standard, preferred, non-standard, ultra-preferred and any other adjective you can attach to an auto policy. We try to offer all products to all customers so they can compare rates and pick the best company.

You can comparison shop your policy here by getting an auto insurance quote.