Auto Insurance Companies That Don’t Ask for Criminal Convictions (2022)

You won't find auto insurance companies that don't ask for criminal convictions. Car insurance companies perform background checks to determine the risk of a potential customer. If you happen to have one driving violation on your criminal record, you could pay $100 or more for insurance. Shop around and compare car insurance companies asking for criminal convictions to secure cheap rates.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 28, 2021

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A Concise Overview

  • Auto insurance companies use criminal records to determine the overall risk of the driver
  • Criminal records can double auto insurance rates
  • High-risk auto insurance companies can provide policies for felons

Are there any car insurance companies that don’t ask for criminal convictions? Specific felonies and misdemeanors can affect your auto insurance.

But can you get auto insurance with a criminal record? Don’t worry – we’ll explain which criminal convictions won’t affect your access to auto insurance.

Our guide explores which insurance companies provide high-risk auto insurance and why auto insurance companies care about criminal convictions.

After you learn more about why auto insurance companies ask for criminal convictions, enter your ZIP code in the free comparison tool above to compare multiple companies near you.

Which auto insurance companies do not ask for criminal convictions?

You won’t find auto insurance companies that don’t ask for criminal convictions.

As you shop for auto insurance coverages, you’ll be faced with questions that ask about personal information such as your driver’s license and Social Security number.

Personal data is used for background checks. Car insurance companies estimate risk by looking at various personal factors of a potential customer, including your driving record.

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Can I get auto insurance with a criminal conviction?

It depends on the conviction. Auto insurance companies may not accept your request if you have the following criminal convictions on your record.

  • Hit-and-run accidents (usually ones that involve pedestrians)
  • Vehicular homicide/manslaughter
  • Multiple DUI/DWI convictions
  • Multiple reckless driving convictions
  • Convictions involving insurance fraud
  • Various violations for driving without a license

If your criminal conviction doesn’t include some of these violations, you may be eligible to receive an auto insurance policy.

How long will a criminal conviction affect my driving record?

One DUI or reckless driving conviction will increase your rates for future and current car insurance.

But there’s a limit to how far an auto insurance company can look back at your driving record.

Typically, a driving violation lasts for at least three years. However, a car insurance company can look back 10 years if you’ve been convicted of felony DUI or multiple traffic infractions.

If you have a driving-related charge that was dismissed, you can have it expunged. According to the American Bar Association, expungement is the process of having a criminal conviction destroyed or sealed.

But which insurance companies are best? Continue reading to learn more.

Which auto insurance companies accept customers with criminal convictions?

Some of the best car insurance companies that accept felons have the highest market share in the car insurance industry.

Let’s compare auto insurance rates related to DUI convictions to other violations and a clean driving record.

Monthly Auto Insurance Rates by Company and Driving Record
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly Rates w/ One DUI Conviction
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292
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Progressive is the only company on the list that issues more expensive rates for accidents than DUI convictions.

Meanwhile, Liberty Mutual has the largest increase from clean driving record to DUI.

Sometimes car insurance companies go up on your monthly rates regardless of your criminal conviction. Read on to learn how to save on auto insurance.

How can I save on auto insurance with a criminal conviction?

A criminal conviction doesn’t disqualify you from car insurance discounts. Shop around with auto insurance companies that can get you a deal on coverage.

Vehicles with several safety features can provide at least 10% off. Also, you can save money on auto insurance when you enroll in usage-based insurance programs that give you savings for good driving habits.

If you happen to have a good credit score, you can secure up to 30% off car insurance.

Try high-risk car insurance companies like The General, Dairyland, and Direct Auto if the best insurance companies charge too much.

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Why do auto insurance companies ask for criminal convictions?

Car insurance companies want to know the risk of insuring you as a driver. Unfortunately, any criminal conviction may affect your auto insurance rates.

Felonies and traffic misdemeanors correlate to higher risks of filing claims. Therefore, an auto insurance company asks about your background to determine your level of risk.

Multiple driving violations are signs of high frequency in filing claims. Non-related driving offenses can still impact your car insurance rates.

Shop around and compare high-risk auto insurance companies to secure affordable rates.

Auto Insurance Companies That Don’t Ask for Criminal Convictions: The Bottom Line

Auto insurance companies that do ask for criminal convictions want to determine risk. As car insurance companies review your driving record, your criminal history is also revealed.

Criminal convictions impact your overall auto insurance cost, but you can get discounts if you meet specific conditions.

Now that you know why auto insurance companies ask about criminal convictions, use our free online quote tool to compare high-risk insurance companies in your area.

Frequently Asked Questions: Do auto insurance companies ask about criminal convictions?

Do you want to know more about car insurance companies that ask about criminal convictions? Read these answers to frequently asked questions to learn more.

#1 – Is a driving conviction a criminal conviction?

It depends on the criminal charge. Felony DUI or reckless driving may be connected to a criminal conviction. Speeding tickets and minor traffic violations (such as illegal lane change) aren’t considered criminal.

#2 – Can felons have a good credit score?

The answer is yes. Felons who manage their finances well can maintain a good credit score.

#3 – How do auto insurance companies find out about your criminal convictions?

Car insurance companies find out about a criminal record when they run background checks. This usually happens when they obtain your Social Security number or driver’s license.

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