Non-Standard Auto Insurance — Indiana
Non-standard auto insurance is coverage for drivers who can't get standard policies due to license suspensions, DUI convictions, or major violations.
Free to compare
What Is Non-Standard Auto Insurance?
Non-standard auto insurance covers drivers classified as high-risk by traditional carriers due to license suspensions, DUI or DWI convictions, multiple at-fault accidents, or significant coverage lapses. These policies often come with higher premiums and may require proof of financial responsibility through SR-22 filings. Indiana suspended license holders typically need non-standard coverage to meet reinstatement requirements, even if they don't currently own a vehicle.
Who Needs Non-Standard Auto Insurance?
You need non-standard insurance if your license is suspended and Indiana requires proof of insurance for reinstatement. This includes DUI convictions, accumulating 18 or more points in 24 months, driving without insurance, or failing to appear in court for traffic violations. Non-owner policies are specifically designed for suspended drivers who don't own vehicles but must satisfy continuous coverage mandates.
Read your suspension notice to determine if SR-22 filing is required. If yes, non-standard insurance is mandatory. If you don't own a car, request a non-owner policy quote.
How Much Does Non-Standard Auto Insurance Cost?
- Suspension cause: DUI violations carry higher surcharges than administrative suspensions for unpaid fines or lapses
- Coverage gap length: lapses longer than 30 days trigger higher rates and may require full premium upfront
- Vehicle type: older vehicles requiring only liability coverage cost less than financing requirements demanding full coverage
Related Coverage Types
