Life happens. A rough credit stretch, a coverage lapse, a couple of tickets, or driving on a foreign or expired license should not lock you out of affordable insurance. Coverall Insurance Agency specializes in non-standard auto, the drivers most agencies turn away. We know which carriers underwrite these profiles fairly, and we get you legally covered fast so you can keep your car on the road.
Who this is for
Bad or no credit
Carriers that weigh your driving record more heavily than your credit score.
No driver’s license
Coverage options for unlicensed, foreign-license, and ID-only drivers.
Prior lapses or claims
Back on the road after a gap, accident, or non-renewal.
What it covers
- State-minimum and full-coverage options
- No-license and foreign-license policies
- Coverage after a lapse or non-renewal
- Tickets, at-fault accidents, and DUIs considered
- Monthly payment plans with low down payments
- Same-day proof of insurance
Insurance for the drivers everyone else turns away
The big direct carriers and quote-comparison sites are built for one customer: a clean record, good credit, and a standard Texas license. If you don’t fit that box, you get declined, surcharged, or quietly priced out. Non-standard auto insurance exists for everyone else, and it’s one of our specialties.
Non-standard policies are written by specialty markets that intentionally underwrite the profiles standard carriers avoid: drivers with tickets, accidents, or DUIs; lapses in coverage; little or no credit history; and drivers without a traditional license. As an independent agency we work directly with those markets, so instead of one “no,” you get real options.
Bad credit doesn’t have to mean high rates
Most standard insurers in Texas use a credit-based insurance score to set your rate, which punishes drivers who’ve had a rough financial stretch, even with a clean driving record. Many of the non-standard carriers we work with don’t weigh credit at all. They look at how you actually drive and what you need today.
For a lot of clients, that single difference is the deciding factor: the same driver can pay noticeably less with a carrier that skips the credit check than with a big-name company that leans on it. We’ll shop both so you can see the gap for yourself.
Driving without a standard Texas license
No license on file doesn’t automatically mean no insurance. We work with carriers that write coverage for a range of situations, including:
- Foreign or international licenses
- Matrícula consular and ITIN holders
- Expired Texas licenses awaiting renewal or reinstatement
- Permit and provisional drivers
- Drivers who need an SR-22 but don’t currently hold a license
Back on the road after a lapse, ticket, or accident
A coverage gap, a non-renewal, a couple of tickets, or an at-fault accident can all push you out of the standard market, but they don’t make you uninsurable. We place coverage for drivers coming off a lapse, rebuilding after a claim, or carrying violations, and we can issue proof of insurance the same day so you can register your car and drive legally right away.
Whatever your situation, tell us honestly and we’ll find the fit. There’s no judgment here, just a local agent whose job is to get you covered.
How much does high-risk or non-standard auto insurance cost in Texas?
There’s no single “non-standard rate”, your price is built from your specific profile: your driving record, how long you’ve been licensed, the coverage you need, and your ZIP code here in Comal County. That said, most non-standard drivers in Texas typically land somewhere in the $80 to $250 a month range, with clean-record drivers on a foreign or Matrícula license often paying toward the lower end and drivers carrying a recent DUI, multiple tickets, or an at-fault accident toward the higher end.
The single biggest swing is the reason you’re shopping non-standard in the first place. A first DUI that requires an SR-22 filing commonly pushes annual premiums into the $1,500 to $3,000+ range, while a no-license or recent-lapse profile with an otherwise clean record can cost far less. For a broader look at what Texans pay, see our guide on how much car insurance costs in Texas.
Here’s the part the comparison sites won’t tell you: two carriers can quote wildly different prices for the exact same driver. Because we’re independent, we put your profile in front of multiple specialty markets and find the one that prices your record best, then layer on low-down-payment monthly plans so you’re not paying a year up front.
- Clean record, foreign/Matrícula license: often the lowest non-standard tier
- Recent lapse or no prior coverage: typically a modest surcharge over standard
- Tickets or one at-fault accident: usually a meaningful step up
- DUI with an SR-22: the highest tier, but still very shoppable across carriers
What makes a driver “non-standard”?
“Non-standard” isn’t an insult, it’s simply how the industry labels any driver who doesn’t fit a standard carrier’s narrow box of clean record, strong credit, and a long-held Texas license. If a big direct carrier has declined, surcharged, or non-renewed you, you’re very likely non-standard, and that’s exactly the lane we specialize in. Drivers who do fit the standard box are usually better served by a standard auto policy, which we also write.
- One or more tickets, at-fault accidents, or a DUI/DWI on your record
- A coverage lapse, non-renewal, or no prior insurance history
- Little, no, or rough credit (many of our carriers skip the credit check entirely)
- A foreign license, Matrícula consular, ITIN, permit, or expired/no license on file
- A state-required SR-22 filing after a serious violation
- A newly licensed or first-time buyer with no insurance track record