Texas insurance glossary
Non-standard auto
Non-standard auto is the market segment for drivers the preferred market declines or prices badly, after tickets, at-fault crashes, a lapse, or no prior insurance.
It describes the market that will write the risk rather than passing a verdict on the person holding it. Most SR-22 filings sit here, and so do plenty of drivers whose only mark is a gap in coverage.
The practical consequence is placement rather than product. The policy forms are broadly the same; the carriers are different, and the spread between them is wide enough to be worth a phone call to somebody who can see more than one of them.
A record does not stay non-standard forever, and this site describes a customer no other way.
Sources: TDI — automobile insurance guide (CB020); TDI — how auto and homeowners insurance costs are calculated. Verified .
A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .
Where this is handled
Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.