Insurance carriers split into three rough tiers: preferred (clean records, the cheapest rates), standard (average drivers, mid-market rates), and non-standard (high-risk drivers, specialized carriers, higher rates).
Who needs non-standard coverage
- Drivers with a recent DWI or DUI conviction
- Drivers required to file an SR-22
- Drivers with a coverage lapse longer than 30 days
- Drivers with multiple at-fault accidents in the last three years
- Drivers with no prior insurance history
What to expect
Non-standard policies typically cost 50–150% more than a comparable preferred policy. Limits are often capped lower, and add-ons like rental reimbursement may not be available. The trade-off is fast access to a policy that satisfies Texas law and any court orders.
Moving back to standard
After three years of clean driving and continuous coverage, most non-standard drivers can re-qualify for standard rates. We re-shop non-standard policies every renewal and move clients up the tier ladder as soon as they're eligible.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.