What is the difference between assigned risk and non-standard auto programs?

Answer :
Assigned risk is insurance issued by the state. I've never had the need to sell anyone an assigned risk policy in 3 yrs.

Answer :
Assigned Risk auto insurance is insurance placed by the state. The agent submits the auto application to the state assigned risk plan. The state plan then assigns the application to a licensed insurance company for issue. The agent may or may not have a contractual relationship with the assigned carrier. Generally the assigned carrier is required to offer insurance for three years only.

Non-standard auto insurance is purchased from the agent or directly from the company. If purchased from an agent that agent has a contractual relationship to the company issuing the policy.