Auto Insurance Companies That Accept Felons
There are many affordable auto insurance companies that accept felons, primarily if your crime was not related to driving. The best auto insurance companies that accept felons include GEICO, USAA, and State Farm. However, if you’re a high-risk driver, expect your auto insurance quotes from companies that accept felons to be between 25% and 125% higher than average.
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UPDATED: Oct 19, 2021
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- The best auto insurance companies that accept felons are GEICO, USAA, and State Farm
- Your felony impacts your auto insurance rates if your crime was related to driving
- High-risk drivers pay 25% to 125% more for auto insurance than average
Even if you committed a felony, you still need to maintain the legal auto insurance limits where you live. The top auto insurance companies that accept felons at competitive prices are GEICO, USAA, and State Farm.
Below, compare companies that accept felons and learn how your criminal history affects your auto insurance costs.
After reading about auto insurance quotes from companies that accept felons, remember to enter your ZIP code into our free rate tool above to compare quotes from the best providers near you.
What are the best auto insurance companies that accept felons?
Laws in almost every state require drivers to carry a minimum level of auto insurance. So even if you committed a felony, you still need to secure auto insurance to drive on the roads.
That means there aren’t many affordable auto insurance companies that don’t accept felons at all.
However, depending on what crime you committed, your rates may be higher than average.
For example, crimes unrelated to driving, like assault and theft, often do not affect your auto insurance costs.
However, driving-related felonies that can impact your ability to secure auto insurance include:
- Vehicular homicide or manslaughter
- DUI convictions
- Reckless driving
- Street racing
- Some hit-and-run incidents
Fortunately, there are plenty of affordable auto insurance companies that accept felons.
The table below compares average annual rates from the top providers for drivers with clean driving records vs. drivers with a DUI citation, the most common driving-related felony.
|Companies||Average Annual Auto Insurance Rates||Average Annual Auto Insurance Rates With 1 DUI|
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According to our data, the best auto insurance company that accepts felons with competitive quotes is GEICO auto insurance company.
GEICO still increases rates after a customer commits a DUI, but typically, the increase is less severe than what is common with other providers.
GEICO also offers an accident forgiveness program to customers, as well as many stackable discounts.
USAA auto insurance company provides a similar number of discounts as GEICO and usually offers even cheaper quotes in most states. However, only military families can use USAA.
Like GEICO, USAA also doesn’t raise rates after a DUI as markedly as most other companies.
Finally, State Farm auto insurance company offers competitive quotes to drivers looking for auto insurance with a criminal record, including those with a DUI. However, State Farm doesn’t provide as many discounts as GEICO or USAA.
One auto insurance company that doesn’t accept felons who’ve committed severe driving infractions is Liberty Mutual auto insurance company.
Technically, Liberty Mutual might accept you after a criminal conviction, but the provider increases rates after a DUI higher than most other companies and may even terminate your coverage.
However, other factors besides your criminal history impact your auto insurance rates, like your age, driving record, and ZIP code.
Keep in mind that not every provider is active or available in all parts of the country.
So, if our top companies don’t work for you, try comparing rates from our honorable mentions:
Ultimately, the best way to buy auto insurance from companies that accept felons is to compare quotes online from different providers.
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Does a felony affect auto insurance rates?
Your felony conviction usually only impacts your auto insurance rates if your crime makes you a riskier driver.
When does a felony affect auto insurance? Your felony will affect your rates if you committed multiple DUIs, or were charged with vehicular manslaughter or homicide, major reckless driving, street racing, or other driving-related crimes.
However, if you committed assault, property crime, or white-collar crimes like tax evasion, then it doesn’t affect your auto insurance at all.
Don’t lie about your felony, especially if it’s related to driving. Lying on your insurance application for cheaper rates is a form of insurance fraud, and it is not a victimless crime.
According to the Federal Bureau of Investigation (FBI), insurance fraud costs the average American family between $400 and $700 annually in the form of higher rates.
How long does it take for a criminal offense to be removed from your driving record? Most traffic citations, like speeding tickets, only impact your auto insurance costs for three to five years.
But civil infractions remain on your record for up to ten years, while misdemeanors are permanent.
Plus, you may see rate hikes due to a prolonged coverage lapse if you spent time in jail and did not maintain insurance on your vehicle.
Ultimately, driving without insurance is illegal in most states, and you risk jail time or hefty fees if you’re caught.
You need to be insured even if you’re operating someone else’s vehicle, regardless of whether you committed a felony or not.
So, to avoid auto insurance quotes from companies that don’t accept felons at affordable rates, compare quotes online from multiple providers and ask about additional discounts.
Can auto insurance companies see my driving record?
An underwriter runs your motor vehicle report (MVR) when you apply for auto insurance to analyze your driving history and risk level.
You can also access your MVR through your local DMV.
Your MVR is not the same as a criminal history report. It only shows recent accidents, tickets, license suspensions, or driving citations you’ve received over the past three to five years.
But do insurance companies check criminal records? No, most providers do not run criminal history checks.
But suppose your felony is driving-related, meaning a DUI charge, street racing, or vehicular manslaughter charge. In that case, these items do appear on your MVR and affect your ability to secure coverage.
If you struggle to secure traditional coverage, you may need to invest in high-risk auto insurance, sometimes called SR-22 auto insurance.
If you buy auto insurance from companies that don’t accept felons at affordable rates, don’t worry. You can always shop around for new coverage later on.
Just ensure a new policy is in place before canceling your old one to avoid a coverage lapse.
Auto Insurance Companies That Accept Felons: The Bottom Line
Even people with felony convictions need auto insurance. Unless your crimes were directly related to driving, you should have no problem securing competitive auto insurance rates.
But if you keep seeing auto insurance rates from companies that don’t accept felons at competitive prices, follow these easy tips to help lower your rates:
- Ask about auto insurance discounts
- Install safety features or anti-theft devices on your vehicle
- Drive a make and model with good safety ratings
- Increase your deductibles
- Reduce your coverage levels
- Enroll in a driver’s education course
Now that you know how to secure affordable auto insurance rates from companies that accept felons, enter your ZIP code into our free tool below to compare quotes from the top providers in your region.