This is a term that is used to classify insurance for drivers whose underwriting experience makes it almost impossible for them to obtain standard or preferred rates.

Those drivers with serious violations (i.e. DUI on their record), involved in a recent serious accident, numerous accidents or made numerous claims may be considered a high risk driver.

Those who also are in the nonstandard market are inexperienced drivers, drivers of specialized cars, high-powered sports cars or custom built cars and drivers that have lapsed in coverage.

Companies that specialize in nonstandard insurance also attract drivers who are not non-standard on the basis that they offer a better deal than others. In fact some of the larger insurers own numerous nonstandard insurance companies.

Like all insurance it pays to shop around as the prices vary greatly across the market.