Auto Insurance Companies That Accept Felons (2022)
Whether or not a felony affects car insurance depends on whether the felony is driving-related. If you have a driving-related conviction, you are more likely to run into trouble when purchasing car insurance. You may be encouraged to go to a non-standard car insurance company for drivers who have been denied insurance from multiple providers. Shop around before you buy auto insurance with a criminal record to lock in the cheapest rates.
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UPDATED: Nov 3, 2021
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- Being convicted of a driving-related felony will make it hard to find auto insurance than being convicted of a non-driving-related felony
- Consider shopping for insurance with non-standard auto insurance companies
- There are four steps you can take to ensure you get affordable auto insurance coverage with a felony
Finding affordable auto insurance companies that accept felons depends on whether or not the felony is driving-related.
Does a felony affect car insurance with a driving-related incident? Yes.
Does a felony affect car insurance with a non-driving-related incident? Not directly, no.
Auto insurance companies that don’t accept felons are more likely to be standard auto insurance companies that don’t specialize in high-risk drivers.
If you have a felony, you may be encouraged to get temporary car insurance until you prove to your insurance company that you are not high-risk.
Find out if your insurance company will allow you insurance with a criminal record. Enter your ZIP code above to get free auto insurance quotes today.
Where can you buy auto insurance after a felony?
You can buy auto insurance with a felony, although it may be difficult. If you have been found guilty of a driving offense, consider shopping for car insurance at a non-standard insurance company. These companies are less likely to deny coverage to you.
Non-standard insurance companies are reserved for risky drivers. Having a driving-related felony makes you a risky driver in the eyes of your insurance company.
Even if you are having trouble finding a non-standard insurance company to cover you, you can sign up for “Assigned Risk Auto Insurance”, but this should be your last resort.
“Assigned Risk Auto Insurance” covers drivers who have been denied insurance from multiple providers. This insurance varies by state, so look up your state’s restrictions and stipulations before purchase.
|Insurance Company||Annual Rates|
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Can you get auto insurance with a felony on your record?
Whether or not you can buy auto insurance with a felony depends on what type of crime you were convicted of.
If you were convicted of vehicular homicide or DUI, then you would have more difficulty finding car insurance. If your conviction was completely unrelated to driving, you could be penalized but indirectly.
Insurance companies’ main goal is to avoid risks. Having multiple driving-related convictions makes you high-risk in the eyes of insurance companies. High-risk auto insurance is for drivers with criminal convictions or multiple violations and comes with higher auto insurance rates.
‘Driving Related Violations’ and ‘Non-Driving-Related Violations’ are the two categories that insurance companies will place you in to determine your risk level. Premium can be indirectly affected if one of the rating factors used to calculate your premium has changed as a result of imprisonment.
|Driving-Related Violations||Non-Driving Related Violations|
|Vehicular homicide/manslaughter||Bad/irresponsible credit history|
|Repeat DUI/multiple DUI convictions||Failure to maintain insurance coverage|
|Repeat traffic offenses, such as reckless driving or driving without a license||Teenager or young driver listed on policy|
|Certain hit-and-run offenses||Insurance fraud|
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The type of felony you have will influence where you can buy car insurance with a criminal record and how much auto insurance costs for felons.
What factors affect auto insurance viability for convicted felons?
To make easily obtain auto insurance with a felony, have the following things in order:
- Driver’s License: get your license reinstated if needed
- Nature of Felony: make sure your felony is not driving-related
- Background Check: Do insurance companies check criminal records? Yes, but this check is limited in scope. However, the more driving-related incidents on your record, the less likely you are to qualify for standard insurance.
- Amount of Elapsed Time: Anyone who has had a significant lapse in car insurance coverage will be deemed a higher risk to the insurance company, regardless of criminal background
Knowing that you have these things in control before you shop for affordable auto insurance for people with felonies, then you should have peace of mind. Affordable car insurance is just a few steps away.
What steps can I take to get auto insurance for a felon?
There are four steps you should take to make getting insurance coverage a bit easier. These steps, coupled with having the items listed above in order, will make buying a policy smoother sailing.
First, you should always tell the truth. If you know you have a driving-related conviction, be upfront with the insurance company because they will eventually find out. Telling them right away will allow them to work with you to find the best solution for you.
Having a lapse in your coverage – due to imprisonment or any reason – will cause you to have a high premium. These rates can be lowered after six months of good driving with no premiums. Take out a six-month policy in order to get a lower premium.
Consider taking educational courses and safe driving classes. This type of education will be accepted by some insurance companies. Participating could help you obtain coverage and get lower rates and premiums.
Lastly, ask about different policy options. Sign up for Compulsory Third Party Car Insurance, only. This type of insurance does not cover the felons’ vehicle or property, only victims of an accident – the other person’s car or property.
Does your auto insurance company check your criminal record? Enter your ZIP code and get a free quote today.