Car Insurance Companies That Accept Felons

As a convicted felon, society expects you to serve your time behind bars as penance. Getting released from prison and regaining your freedom back is one of the greatest feelings.

Unfortunately, the repercussions from being a felon still linger once you’re out in the free world again. Finding car insurance companies that accept felons can be a challenge, mainly depending on your conviction.

Car insurance coverage does not have set prices — the lifestyle factors of each person determine many policies.

Therefore, your criminal record may play a role in how insurance companies evaluate your risk factor analysis. Knowing this can help you understand your car insurance policy better.

The entire business model of a car insurance company bases its rates on how likely someone is to get into an accident or damage their vehicle. So their incentive is to provide coverage to people they deem ‘low risk,’ meaning they’re unlikely to get into an accident.

If companies view you as a higher risk, they may charge you a higher premium, or they may deny you coverage at all. Read on as we discuss how car insurance companies accept felons or not.

Enter your ZIP code into our free comparison tool to get started comparing quotes in your area.

Do car insurance companies check criminal records background?

Yes, insurance companies will check police records and run a background check on anyone applying for coverage.

They typically ask for your driver’s license and social security number and then use that information to access the state’s driving records database.

They are most interested in your driving history, like tickets or accidents. But they will also look at your criminal record because it can give them a better idea of who you are and how risky your lifestyle choices are.

Every company is different, so it’s essential to research which car insurance companies accept felons and which do not.

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Does a felony affect car insurance premiums?

Although many people go to prison and leave rehabilitated and changed, having a criminal record can follow you around and make life difficult. This also applies to car insurance coverage.

Your felony can affect how much you pay for premiums. In the eyes of insurance companies, there are two categories of crimes: driving-related and non-driving-related.

Car insurance companies that accept felons will care most about these driving-related felonies:

• Vehicular manslaughter
• DUI’s or multiple DUI convictions
• Hit-and-run offenses
• Reckless driving charges
• Driving without a license

The good news about your driving history is that it only goes back about five years. For example, if you have a DUI from over five years ago or were involved in an accident that was your fault, these things may not show up later on.

Unfortunately, felony convictions stay on your criminal record forever.

Even if you were convicted long ago, insurance companies will still see your history and make judgments based on it. This can make finding cheap car insurance difficult.

Car Insurance Companies That Accept Felons

There is no standard for whether or not insurance companies will offer auto coverage to felons.

Companies that offer car insurance rates to felons will look at several factors to determine your rates. In some cases, they can deny you coverage.

The easiest way you can find out if a company will accept you or not is by reaching out, explaining your situation, and asking directly.

You can do a few things to help build your case for getting good car insurance if you’re a felon:

• Be Honest: Companies will discover your driving past no matter what. So, it’s best to be upfront about everything on your application. Lying may cause them to deny you coverage.
• Enroll in Driving Classes: If you have a history of accidents or reckless driving, consider enrolling in driving classes. This can prove to auto insurance companies that you’re serious about becoming a safer driver. Learn about what the safe driver discount is if you’re interested in becoming more of one.
• Compulsory Third-Party Insurance: If you’re still struggling to find affordable rates, ask about third-party liability coverage.

It’s the minimally required insurance for any vehicle owner to have. It does not protect you or your property, only the victims. Having this can be a start for you.

Car Insurance Companies That Don’t Accept Felons

Like we mentioned, there are no rules set in stone about which car insurance companies accept felons and which don’t. Car insurance companies do care if you’ve been without coverage for an extended period.

If you have a record and are worried about rates, so you’ve avoided coverage, you are hurting yourself in the long term.

Taking out a six-month policy can be an excellent way to bridge the gap between not having insurance and getting full coverage at an affordable rate.

The best way to find car insurance companies that accept felons is to ask directly. You may have to pay higher rates for a little while, but eventually, you can renegotiate once you’ve proven you’re a reliable driver.

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Find Car Insurance Rates as a Felon

Your driving history is erased every five years, so don’t worry about an accident from 10 years ago.

If you have a criminal record, you may want to explain yourself to companies to work out rates for yourself. Begin by entering your ZIP code into our free comparison tool to compare car insurance quotes in your area.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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