Non-standard Auto Insurance in Plano, Garland & Kingsley, TX
Non-standard auto insurance is designed for drivers who may not meet the eligibility requirements for traditional auto policies. It can help drivers to stay legally compliant and maintain financial responsibility, even when standard carriers decline to insure them.
Who Needs Non-standard Auto Insurance?
You may need to rely on non-standard auto insurance if you: 
- Have a history of multiple accidents or traffic violations
- Are currently unlicensed or have a suspended license
- Hold a foreign or international driver’s license
- Are a new or young driver with limited experience
- Have been denied coverage by standard insurers
Our team collaborates with many insurance carriers to identify options customized to your specific needs, regardless of your driving record or license status.
What Coverage Options Are Available?
Non-standard auto insurance in Texas can include:
- Liability coverage to meet state minimum requirements
- Personal injury protection (PIP)
- Comprehensive and collision coverage
- Uninsured/underinsured motorist coverage
- SR-22 filings for drivers who need proof of financial responsibility
What Factors Affect Non-standard Auto Policy Costs?
Many factors influence the cost of a non-standard auto insurance policy. Your driving history is one of the most significant contributors, as past accidents, violations or DUI convictions signal a higher risk to insurers. Insurers may also consider your age, driving experience, location and your vehicle type. Additionally, the length of time since your last coverage lapse and your overall credit profile may affect the final price. All these elements help insurers determine the level of risk they are taking when issuing a non-standard policy.
Secure Your Policy Today
Payless Auto Insurance believes everyone deserves access to auto insurance. Our experienced agents can answer your questions and work to find competitive rates, even if you’ve struggled to get coverage elsewhere. Contact us today to learn more.