Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Oct 30, 2020

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In general terms, “standard auto” is the policy offered to most motorists and vehicle owners that present no significant additional risk to the insurance company and also have no specific circumstances that leads the insurer to believe they are a lower risk than other drivers.standard auto insurance

“Non-standard” auto insurance is the instance in which an insurer classifies someone as a higher risk than other drivers and these drivers pay higher policy premiums for similar benefits to a standard insurance policy holder.

What kind of drivers generally qualify for standard insurance?

Insurers make their own decisions regarding risk categories so someone who is considered a standard risk by one insurer may be considered non-standard by another insurer. Your insurance agent or broker may be able to help find you a policy that leaves you on the standard side of the line if your track record is a little borderline, however in general:

  • You’ll be under the age of seventy, that’s because insurers associate people over this age with an increased risk because of health problems, it’s not that the older driver is likely to be more reckless and cause an accident but they are more likely to be in an accident because their health may well be suffering because of their age
  • You’ll also be above the age of twenty-five and that’s because younger drivers are also considered to be a more risky proposition for an insurance company. This is because some young drivers like the maturity and/or experience to drive in a safe manner, and as such this age group has more accidents than any other – it doesn’t mean that if you’re under twenty-five that you’re a bad driver but it does mean that you might be
  • You’ll also have a pretty good record of driving safely which means minimal numbers of moving violations (that’s driving offences committed while the car is in motion) and a good record of not making claims against your insurance (after all if you make a claim every other month – you’re clearly a higher risk than someone who never makes a claim in the lifetime of their policy)

However if you’ve had your license suspended or revoked recently you’ll not be able to find standard insurance with any insurer, in this instance the insurer knows that the law considers you to be high risk and can be justified in imposing a high premium on your policy.