Non-Standard Auto Insurance Florida
Finding affordable car insurance isn't always easy when your driving history, insurance history, or vehicle doesn't fit the requirements of a standard insurance company. Davis & Davis Insurance helps Florida drivers explore non-standard auto insurance options when traditional auto insurance may be difficult to obtain or simply too expensive.
As an independent insurance agency, we can compare coverage options from multiple insurance companies rather than limiting you to one carrier. Whether you need insurance after an accident or traffic violation, have experienced a lapse in coverage, require an SR-22 or FR-44 filing, don't currently own a vehicle, or have another situation that makes obtaining coverage more complicated, our agents can help you find an appropriate solution.
We provide non-standard and high-risk auto insurance options for drivers throughout Florida, including Sarasota, Tampa, St. Petersburg, Orlando, Jacksonville, Miami, Naples, Bradenton and surrounding communities.
What Is Non-Standard Auto Insurance?
Non-standard auto insurance is generally designed for drivers or vehicles that may not qualify for a standard or preferred auto insurance program.
Insurance companies evaluate many factors when determining whether they will insure a driver and how much coverage will cost. A history of accidents, serious traffic violations, lapses in insurance, licensing issues, or other underwriting concerns can make obtaining coverage through the standard market more difficult.
Non-standard insurance provides another avenue for obtaining the coverage you need.
Depending on your circumstances, Davis & Davis Insurance can help you compare available coverage, limits, deductibles, and insurance companies to find a policy that fits your situation.
Who May Need Non-Standard Auto Insurance in Florida?
There isn't one definition that describes every non-standard driver. You may need to explore non-standard or high-risk auto insurance if you:
- Have multiple accidents or traffic violations on your driving record
- Have been convicted of DUI or another serious driving offense
- Need an SR-22 or FR-44 filing
- Have had your driver's license suspended or revoked
- Have experienced a lapse in auto insurance coverage
- Have had an auto insurance policy canceled or non-renewed
- Have difficulty qualifying for coverage with standard insurance companies
- Need insurance but don't currently own a vehicle
- Own a vehicle requiring specialized underwriting or coverage
Being considered a higher-risk driver doesn't necessarily mean that every insurance company will treat your situation the same way. Underwriting requirements and rates can vary considerably between insurers, which is one reason working with an independent insurance agency can be valuable.
Contact Davis & Davis Insurance today to discuss your situation and request a Florida non-standard auto insurance quote.
High-Risk Auto Insurance, SR-22 & FR-44 Coverage
Some Florida drivers need more than a traditional auto insurance policy.
Following certain serious driving violations or licensing issues, you may be required to provide proof that you meet Florida's financial responsibility requirements. Depending on the circumstances, this can involve an SR-22 or FR-44 filing submitted by an insurance company.
An SR-22 or FR-44 isn't actually a separate type of auto insurance. It is a certificate showing that you have the required insurance coverage.
Finding an insurer willing to provide coverage after a serious violation can sometimes be challenging. Davis & Davis Insurance can help you explore high-risk auto insurance in Florida and determine which available insurers can accommodate the required filing.
Learn more about High-Risk Auto Insurance and SR-22 / FR-44 Insurance in Florida.
Non-Owner Car Insurance in Florida
What happens when you need auto liability insurance but don't own a car?
A non-owner car insurance policy may provide liability coverage for certain drivers who regularly drive vehicles they don't own. Non-owner insurance can also be important in situations where someone needs to maintain insurance or satisfy a financial responsibility requirement but doesn't currently own a vehicle.
These policies work differently from insurance written for a vehicle you own, so it's important to understand exactly what is and isn't covered.
Learn more about Non-Owner Car Insurance in Florida.
Car Insurance With a Bad Driving Record
A few tickets or accidents can dramatically change how insurance companies view your risk.
Drivers with multiple violations, at-fault accidents, serious traffic offenses, or previous insurance problems may find that their current insurer raises their premium significantly or declines to renew their coverage.
That doesn't necessarily mean you are out of options.
Because insurance companies use different underwriting guidelines, one company may view your driving history differently than another. Comparing multiple insurers can be particularly important when looking for car insurance with a bad driving record in Florida.
Davis & Davis Insurance can help determine which available insurance companies may be a better fit for your driving history.
Learn more about Car Insurance With a Bad Driving Record in Florida.
Classic and Specialty Car Insurance
Sometimes the issue isn't the driver — it's the vehicle.
Classic, collector, antique, modified, custom, or other specialty vehicles may not fit neatly into a traditional personal auto insurance policy. These vehicles can have unique values, usage patterns, repair requirements, and coverage needs.
Specialty auto insurance may provide coverage designed specifically around the way these vehicles are owned and driven.
Learn more about Classic & Specialty Car Insurance in Florida.
What Does Non-Standard Auto Insurance Cover?
The coverage available under a non-standard auto policy will depend on the insurer, vehicle, driver, and individual circumstances.
Depending on the policy, coverage may include options such as:
Property Damage Liability – Helps cover damage you cause to another person's property in a covered accident.
Bodily Injury Liability – Helps protect you against covered claims involving injuries you cause to other people, subject to the policy's terms and limits.
Personal Injury Protection (PIP) – Coverage associated with Florida's no-fault insurance system.
Collision Coverage – Helps pay for covered damage to your vehicle resulting from a collision.
Comprehensive Coverage – Helps cover certain non-collision losses, such as theft, vandalism, falling objects, or storm-related damage.
Uninsured/Underinsured Motorist Coverage – Can provide protection when you're involved in a covered accident with a driver who has no liability insurance or insufficient liability coverage.
Not every coverage or limit will be available in every situation. Our agents can review the options available to you and explain how different limits and deductibles affect your protection and premium.
How Much Does Non-Standard Auto Insurance Cost in Florida?
There is no single price for non-standard car insurance. Premiums can vary substantially depending on the driver and insurer.
Factors that may affect your rate include:
- Driving record
- Accidents and insurance claims
- DUI or serious traffic violations
- SR-22 or FR-44 requirements
- Previous insurance history
- Coverage lapses
- Age and driving experience
- Vehicle type
- Where the vehicle is garaged
- Annual mileage
- Coverage limits and deductibles
Drivers classified as higher risk often pay more than drivers who qualify for preferred insurance programs. However, the difference between insurance companies can be significant.
Instead of assuming that one company's high-risk rate is your only option, Davis & Davis Insurance can compare available insurers to look for a combination of coverage and price that works for you.
Can You Eventually Move Back to Standard Auto Insurance?
In many cases, yes.
A non-standard policy doesn't necessarily mean you will remain in the non-standard market indefinitely. Driving violations and accidents become older, financial responsibility requirements may eventually end, and maintaining continuous insurance coverage can improve your insurance history.
Over time, you may become eligible for additional insurance companies or more favorable programs.
That's another advantage of working with an independent agency. As your circumstances change, Davis & Davis Insurance can periodically review your coverage to determine whether other options have become available.
Why Work With an Independent Insurance Agency?
Finding insurance can become frustrating when you've already been declined by an insurer or quoted a premium that seems unaffordable.
Davis & Davis Insurance is an independent Florida insurance agency. Instead of representing only one insurance company, we can explore coverage through multiple carriers.
For drivers with unusual circumstances, that flexibility can be especially valuable.
We'll take the time to understand why you're having difficulty finding insurance, determine what coverage or filings you need, and help identify insurance companies that may be willing to work with your situation.
Get a Florida Non-Standard Auto Insurance Quote
Having accidents, tickets, insurance lapses, an SR-22 or FR-44 requirement, or another complicated insurance history doesn't mean you should stop comparing your options.
Let Davis & Davis Insurance help.
We assist drivers throughout Florida, including Sarasota, Bradenton, Tampa, St. Petersburg, Orlando, Jacksonville, Miami, Naples and surrounding communities.
Contact Davis & Davis Insurance today to discuss your situation and request a Florida non-standard auto insurance quote.
Frequently Asked Questions About Non-Standard Auto Insurance in Florida
Is non-standard auto insurance the same as high-risk auto insurance?
The terms are often used interchangeably, although non-standard auto insurance can describe a broader portion of the insurance market. High-risk insurance generally refers specifically to drivers whose driving or insurance history makes them more difficult to insure through standard or preferred programs.
Can I get Florida auto insurance if I have a bad driving record?
Potentially, yes. Insurance companies have different underwriting guidelines, so having accidents, tickets, or other violations doesn't necessarily mean every insurer will decline your application. An independent insurance agency can help compare available options.
Can Davis & Davis Insurance help with SR-22 and FR-44 insurance?
Davis & Davis Insurance can help Florida drivers explore insurance options when an SR-22 or FR-44 filing is required. The specific filing and insurance requirements depend on your circumstances.
What if I need insurance but don't own a car?
Some drivers may qualify for non-owner auto insurance. This type of policy is designed for certain people who drive vehicles they don't own and can also be relevant in some financial-responsibility situations. Non-owner coverage is not appropriate for someone who owns a vehicle that needs to be insured.
Will non-standard auto insurance always be more expensive?
Not necessarily in every situation, but drivers placed in non-standard or high-risk programs often pay higher premiums because insurers consider them more likely to have a claim. Rates and underwriting requirements vary between insurance companies, making comparison particularly important.