Compare Best Car Insurance Companies That Accept Felons [2023]
Finding affordable car insurance for convicted felons is not easy. Many companies charge higher premiums based on your criminal record because of their risk factor analysis. If you're a felon looking for car insurance companies that accept felons, there are a few things you can do to reduce policy prices.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Jun 10, 2023
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The good news is your driving history, like accidents and tickets, gets cleared about every five years
- Felony convictions stay on your record forever
- If you have driving-related felonies, consider signing up for safe driving classes to show insurance companies that you’re serious about car safety
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.
Frequently Asked Questions
Can felons get car insurance?
Yes, felons can get car insurance. While having a criminal record may impact the availability of certain insurance options, there are car insurance companies that are willing to provide coverage to individuals with felony convictions.
Why do some car insurance companies accept felons while others do not?
Car insurance companies have their own underwriting guidelines and risk assessment processes. Some insurers may be more lenient when it comes to considering applicants with felony convictions, while others may have stricter policies. It ultimately depends on each company’s assessment of risk and their individual policies.
How can I find car insurance companies that accept felons?
To find car insurance companies that accept felons, you can:
- Research online: Look for insurance companies that specialize in providing coverage to individuals with a criminal record. Some companies explicitly mention this on their websites or marketing materials.
- Work with an insurance agent: An insurance agent can help you navigate the insurance market and find companies that are more likely to accept felons based on their experience and knowledge of the industry.
- Contact insurance companies directly: Reach out to various car insurance companies and inquire about their policies regarding felony convictions.
Will my felony conviction affect my car insurance rates?
Your felony conviction itself may not directly affect your car insurance rates. However, other factors such as your driving history, age, location, type of vehicle, and credit history can influence the premium you are quoted. It’s important to note that insurance companies consider multiple factors when determining rates, and the impact of a felony conviction on rates may vary depending on the insurer.
Are there any specific requirements or conditions for felons seeking car insurance?
The requirements and conditions for felons seeking car insurance are generally the same as those for any other applicant. These typically include providing information about your driving history, vehicle details, personal information, and payment of premiums. However, it’s important to note that some insurance companies may request additional information or have specific conditions for individuals with felony convictions.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.