What Is Substandard Auto Insurance?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    Another term for Substandard Auto Insurance is High Risk.  Auto insurance rates are based on driving record, age, insurance credit score and claim history.  If your driving record falls below what a company considers a standard risk they put you in substandard.  While it varies by company, most companies will allow two or three tickets or At Fault accidents before putting you in substandard.  A DUI will automatically put you in substandard. Insurance laws vary by state.
    Answered on May 7, 2013
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