What Makes a Driver “Nonstandard” in Texas? Common Risk Factors and What to Do

Drivers are classified into different categories based on their risk levels. Nonstandard drivers are those who present a higher risk to insurance companies due to various factors, including the following:

• Poor driving record—A history of traffic violations, accidents or reckless driving can significantly impact your risk profile. Multiple speeding tickets, at-fault accidents or serious offenses like driving under the influence (DUI) can result in a nonstandard classification.

• Auto insurance lapses—Insurers may view you as a higher risk if you have had periods without auto insurance. Continuous coverage is essential, and gaps can make it challenging to get appropriate coverage.

• Inexperienced drivers—New drivers, especially teenagers, are often considered nonstandard due to their lack of driving experience. Statistically, younger drivers are more likely to be involved in accidents, making them a higher risk for insurers.

What to Do if You Are Considered a Nonstandard Driver

There are insurance companies that specialize in providing coverage for nonstandard drivers. These providers understand the unique challenges high-risk drivers face and offer tailored policies to meet their needs. While premiums may be higher, these companies can help you find the necessary coverage.

Taking steps to improve your driving record can help you transition from a nonstandard to a standard classification over time. Consider enrolling in defensive driving courses to enhance your skills and demonstrate your commitment to safe driving. Avoiding traffic violations and accidents will also positively impact your risk profile.

Ensure that you maintain continuous auto insurance coverage to avoid lapses. Even short gaps in coverage can negatively affect your classification and lead to higher premiums. Set reminders for policy renewals and consider automatic payments to keep your coverage active.

Learn More

Contact Auto Smart Insurance to compare nonstandard auto insurance quotes from top insurers.

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.