Non-Standard Auto Insurance — GA
Non-standard auto insurance is coverage for drivers insurers classify as high-risk — including those with suspended licenses, DUI convictions, or gaps in coverage.
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What Is Non-Standard Auto Insurance?
Non-standard auto insurance covers drivers standard carriers decline due to violations, suspensions, lapsed coverage, or other risk factors. Standard carriers like State Farm or GEICO typically deny applications from drivers with suspended licenses or recent DUI convictions. Non-standard carriers — including The General, Direct Auto, and Acceptance Insurance — specialize in high-risk policies and accept drivers standard insurers reject. These policies carry higher premiums but provide the liability coverage and SR-22 filing Georgia requires for license reinstatement.
Who Needs Non-Standard Auto Insurance?
You need non-standard auto insurance if standard carriers have declined your application due to a suspended license, DUI conviction, multiple at-fault accidents, or a coverage gap longer than 30 days.
Read your Georgia DDS reinstatement letter to determine whether SR-22 filing is required. If SR-22 is mandatory and standard carriers have declined you, get quotes from at least three non-standard carriers — The General, Direct Auto, Acceptance Insurance, and National General all write policies in Georgia. If you don't own a vehicle, request non-owner SR-22 quotes specifically.
How Much Does Non-Standard Auto Insurance Cost?
- Coverage limits selected — Georgia's 25/50/25 minimum costs less but leaves you personally liable for damages exceeding those limits.
- Vehicle type if insuring a car you own — older vehicles with liability-only coverage cost less than newer models requiring full coverage for a lien holder.
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