NON-STANDARD AUTO INSURANCE OPTIONS

High-risk auto insurance companies

BadDrivingRecord.com works with trusted non-standard auto insurance carriers that understand accidents, tickets, coverage lapses, license suspensions, and state filing requirements. Our licensed agents compare the options available for your driving record and state, then help you choose the policy that fits your situation.

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WHY COMPARE CARRIERS?

Each insurance company weighs driving history differently. Comparing more than one option can uncover a better price, payment plan, or underwriting fit.

WHAT WE HANDLE

We help with owner and non-owner coverage, plus electronic SR-22 and FR-44 filings when your state requires one.

WE SHOP MULTIPLE INSURANCE COMPANIES
CARRIER PROFILES

Insurance companies that understand high-risk drivers

The right company depends on your state, driving history, vehicle, and coverage needs. These are five established carriers represented in our approved carrier network.

Infinity Insurance (A Kemper Company)

Infinity focuses on non-standard auto insurance for drivers who may not fit a standard company's underwriting rules. Its options may include electronic SR-22 or FR-44 filing, flexible underwriting, and coverage for drivers with violations, suspensions, or a lapse in insurance.

Founded
1955
Writes in
48 states
Experience
65+ yrs

National General (An Allstate Company)

National General has a broad national footprint and writes policies for drivers who need non-standard coverage. Depending on the state and driver, options may include SR-22 or FR-44 filing, monthly payment choices, and coverage after tickets, accidents, or a lapse.

Founded
1939
Writes in
47 states
Experience
80+ yrs

Bristol West Insurance (A Farmers Insurance Company)

Bristol West writes non-standard auto insurance for drivers with accidents, violations, suspensions, or gaps in coverage. The company also supports electronic SR-22 and FR-44 filing where available, which can help drivers move through the license reinstatement process.

Founded
1973
Writes in
42 states
Experience
50+ yrs

The General Insurance

The General specializes in non-standard auto insurance and serves drivers with tickets, accidents, coverage lapses, or license issues. Policies may include electronic SR-22 or FR-44 filing and payment options designed for drivers who need to restore coverage quickly.

Founded
1963
Writes in
47 states
Experience
60+ yrs

Dairyland Insurance (A Sentry Company)

Dairyland has decades of experience with drivers who need non-standard auto insurance. Depending on the state and policy, it may offer electronic SR-22 or FR-44 filing, flexible payment choices, and coverage after a DUI, accident, multiple violations, or a gap in insurance.

Founded
1953
Writes in
38 states
Experience
70+ yrs
WHY THE CARRIER MATTERS

Built for drivers who need more options

Non-standard carriers use different rating and underwriting rules than standard companies. That gives many drivers another path to active coverage.

01
Difficult driving records

Options for accidents, tickets, DUIs, or multiple violations.

02
State filings

Electronic SR-22 or FR-44 filing when the policy and state require it.

03
Owner and non-owner policies

Coverage for a vehicle owner or an eligible driver who does not own a car.

04
Different payment options

Down payment and billing choices vary by carrier and policy.

ONE REQUEST, MULTIPLE OPTIONS

How we compare high-risk insurance companies

You give us the details once. A licensed agent reviews the carrier options available for your state, vehicle, driving history, and filing needs.

Rates and eligibility vary by carrier, so the lowest-priced option for one driver may not be the best fit for another.

United AutoProgressive

Tell us about the driver and vehicle

Your location, driving history, coverage needs, and filing status help determine which carriers can offer a policy.

Compare the available options

We review pricing, payment choices, coverage limits, and the carrier's underwriting fit for your situation.

Choose the policy that works for you

After you select a policy, your agent can help issue coverage and complete any required SR-22 or FR-44 filing.

Compare high-risk auto insurance options

Tell us about your driving record and coverage needs. We will help you review the non-standard carrier options available for your situation.