What Is Nonstandard Auto Insurance and Who Needs It in Chicago?

Illinois requires drivers to demonstrate proof of financial responsibility, which most drivers satisfy by maintaining minimum amounts of liability insurance and uninsured motorist coverage. However, not all drivers qualify for standard auto policies. In such cases, nonstandard auto insurance may help.

What Is Nonstandard Auto Insurance?

Nonstandard auto insurance may cover drivers considered higher risk by insurance companies. This category may include individuals with past traffic violations, poor credit or gaps in coverage. Though it typically comes with higher premiums, nonstandard auto insurance still meets the state’s minimum coverage requirements.

Who Needs Nonstandard Auto Insurance in Chicago?

The following individuals may benefit from nonstandard auto insurance:

• Drivers with multiple traffic violations or accidents
• Individuals with a DUI or DWI conviction
• Those who have allowed their auto insurance to lapse
• Young or newly licensed drivers
• Drivers with poor credit scores
• People who own high-risk vehicles or modified cars
• Individuals required to carry an SR-22 filing

How Much Does Nonstandard Auto Insurance Cost?

Insurance companies often base rates for nonstandard auto insurance on several risk indicators, such as the following:

• Driving record
• Credit history
• Age and driving experience
• Type of vehicle
• Location
• Coverage gaps
• If the driver is required to have SR-22

Reliable Auto Insurance Agency Near You

1st American Insurance Agency can help you secure nonstandard auto insurance. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.