Non-Standard Auto — Louisiana
Non-standard auto insurance covers drivers whose violation history, suspended license status, or lapse in coverage disqualifies them from standard-rate policies.
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What Is Non-Standard Auto Insurance?
Non-standard auto insurance is not a separate coverage type — it's the risk tier carriers assign to drivers whose violation history, license suspension, lapse in coverage, or credit profile moves them out of the standard underwriting pool. The same liability, collision, and comprehensive coverages apply, but premium pricing reflects elevated risk scoring. In Louisiana, common triggers include DUI conviction, license suspension for unpaid tickets or insurance lapse, three or more moving violations in 36 months, or a coverage gap exceeding 30 days.
Who Needs Non-Standard Auto Insurance?
You're assigned to non-standard coverage automatically if your driving record, license status, or coverage history disqualifies you from standard underwriting. This includes drivers reinstating after suspension, those with DUI convictions in the past three to five years, anyone with a coverage lapse exceeding 30 days, and drivers with three or more violations in 36 months.
If your license is currently suspended or you're required to file SR-22, you'll be assigned non-standard coverage regardless of preference — shop for the lowest premium and fastest SR-22 processing time. If you're comparing quotes after reinstatement, accept non-standard pricing for now and re-shop every 12 months as violations age off your record. Most drivers return to standard rates within three years if they maintain continuous coverage and avoid new violations during that window.
How Much Does Non-Standard Auto Insurance Cost?
- Suspension cause — DUI-related suspensions generate higher premiums than administrative suspensions for unpaid tickets or missed court dates.
- Coverage gap duration — lapses under 30 days may qualify for standard rates with some carriers; gaps over 90 days lock you into non-standard pricing for 12-36 months.
- Violation count and recency — three moving violations in 24 months triggers non-standard assignment; violations older than 36 months typically drop off underwriting review.
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