Non-Standard Auto Insurance — Louisiana
Non-standard auto insurance is coverage for drivers who can't get standard policies due to DUI convictions, suspended licenses, SR-22 requirements, or multiple violations.
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What Is Non-Standard Auto Insurance?
Non-standard auto insurance covers the same liabilities and damages as standard policies—bodily injury, property damage, collision, comprehensive—but it's sold by carriers who specialize in high-risk drivers. Standard carriers like State Farm or GEICO typically decline or non-renew drivers with DUI convictions, suspended licenses, multiple at-fault accidents, or SR-22 filing requirements. Non-standard carriers like The General, Direct Auto, Acceptance Insurance, and Bristol West fill this gap. The coverage functions identically; the difference is underwriting willingness and price.
Who Needs Non-Standard Auto Insurance?
You need non-standard auto insurance if a standard carrier has declined or non-renewed you due to a DUI, suspended license, SR-22 requirement, multiple violations, or major at-fault accidents. If your license is currently suspended and Louisiana requires continuous insurance or SR-22 filing as a reinstatement condition, a non-standard policy is often the only way to satisfy that requirement. If you don't own a vehicle but need to maintain coverage during suspension, a non-standard non-owner policy meets the state's proof-of-insurance mandate without insuring a car you don't drive.
Check your reinstatement letter or contact Louisiana OMV directly to confirm whether SR-22 filing is required. If it is, you must carry a policy from a carrier willing to file SR-22, which typically means the non-standard market. If SR-22 is not required and you own a vehicle, compare standard and non-standard quotes—some standard carriers will insure suspended drivers without SR-22 mandates at rates lower than non-standard options.
How Much Does Non-Standard Auto Insurance Cost?
- Violation type and recency—a DUI from six months ago costs significantly more than one from three years ago, even within the non-standard market.
