8 Best Car Insurance Companies That Accept Felons in 2024
The best car insurance companies that accept felons are Allstate, USAA, and Progressive. Allstate is the best overall, with a monthly rate of $72 for minimum coverage. Although many insurers charge higher insurance rates for felons, there are still affordable options available.
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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 ...
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UPDATED: Jul 16, 2024
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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: Jul 16, 2024
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.
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11,413 reviewsCompany Facts
Full Coverage for Felons
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
6,435 reviewsCompany Facts
Full Coverage for Felons
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
13,128 reviewsCompany Facts
Full Coverage for Felons
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsAllstate, USAA, and Progressive are the best car insurance companies that accept felons because they offer competitive rates and have policies that are more lenient towards those with criminal records.
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.
Our Top 8 Picks: Best Car Insurance Companies That Accept Felons
| Company | Rank | Multi-Policy Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 5-25% | A+ | Accident Forgiveness | Allstate |
 | #2 | 10-25% | A++ | Military Personnel | USAA |
 | #3 | 10-25% | A+ | High-Risk Drivers | Progressive |
 | #4 | 5-25% | B | Widespread Availability | State Farm |
 | #5 | 5-25% | A+ | Broad Coverage | Nationwide |
 | #6 | 5-25% | A | Flexible Policies | Farmers |
 | #7 | 10-25% | A+ | Comprehensive Policies | Ameriprise |
 | #8 | 5-25% | A | Customizable Coverage | Liberty Mutual |
If companies view you as a higher risk, they may charge you a higher premium, or they may deny you coverage altogether. Read on as we discuss how car insurance companies accept felons or not.
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- The good news is your driving history gets cleared about every five years
- Felony convictions stay on your record forever
- Safe driving classes show insurance companies that you’re serious about car safety
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#1 – Allstate: Top Pick Overall
Pros
- Accident Forgiveness: Allstate offers accident forgiveness, which means your premium won’t increase after your first at-fault accident.
- Wide Range of Coverage Options: With Allstate, you can choose from a variety of different coverage options which you can learn more about in our Allstate review.
- Redeemable Points: Allstate offers a rewards program where you can earn points for safe driving, which can then be redeemed for discounts on your policy.
Cons
- Higher Premiums for High Mileage Drivers: If you drive a lot, Allstate may not be the best option for you as they tend to charge higher premiums for high mileage drivers.
- Limited Availability: Allstate is not available in all states, so if you move or travel frequently, this could pose an issue.
#2 – USAA: Best for Military Personnel
Pros
- Military-Friendly Coverage: USAA offers unique coverage options specifically designed for military personnel, such as deployed driver discounts and overseas coverage.
- Affordable Rates: USAA offers some of the most affordable car insurance rates in the industry, especially for military personnel and their families. Learn more: USAA Car Insurance Review
- Excellent Customer Service: USAA consistently receives high ratings for their customer service and claims handling, making them a reliable option for car insurance.
Cons
- Membership Restrictions: Only military members, veterans, and their families are eligible for USAA car insurance.
- Expensive After DUI: While USAA has affordable rates for most drivers, their premiums can significantly increase after a DUI conviction.
#3 – Progressive: Best for High-Risk Drivers
Pros
- Favorable Rates for High-Risk Drivers: Progressive offers affordable rates for high-risk drivers, such as those with multiple accidents or traffic violations.
- A+ Financial Rating: Progressive has a strong financial rating, indicating their ability to pay out claims.
- Snapshot Program: Save up to $231 yearly on your insurance rates by participating in Progressive’s Snapshot program. Learn more about this UBI in our Progressive review.
Cons
- Higher Premiums for Low Credit Scores: Like many insurance companies, Progressive may charge higher premiums for drivers with poor credit scores.
- Mixed Customer Service Reviews: While some customers report positive experiences, others have complained about poor customer service and claims handling.
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#4 – State Farm: Best for Widespread Availability
Pros
- Available in All States: State Farm is among the largest auto insurance companies in the US, providing coverage in all 50 states. Check out our State Farm car insurance review for more information.
- Multiple Discounts Available: State Farm offers a variety of discounts for safe driving, bundling policies, and more.
- Strong Financial Rating: With an A++ rating from AM Best, State Farm has the financial stability to handle claims.
Cons
- No Gap Insurance: State Farm does not offer gap insurance, which covers the difference between a car’s actual cash value and what you owe on your loan or lease in case of a total loss.
- Average Claims Experience: While State Farm has received positive reviews for customer service, some customers have reported average or below-average experiences with claims handling.
#5 – Nationwide: Best for Broad Coverage
Pros
- Wide Range of Coverage Options: Nationwide offers a variety of coverage options, including specialized policies for classic cars and rideshare drivers.
- Signal Discount: : Through Nationwide’s Signal App drivers can earn up to 15% off their insurance rates for safe driving habits. Learn more in our Nationwide car insurance discounts guide.
- SR-22 Filing: Nationwide offers SR-22 filing for drivers who need to prove financial responsibility after a DUI or other serious violation.
Cons
- Billing Issues: Some customers have reported issues with billing and payments, including unexpected rate increases.
- Limited Availability of Some Coverages: Certain coverage options may not be available in every state.
#6 – Farmers: Best for Flexible Policies
Pros
- Customizable Policies: Farmers allow customers to customize their policies with a variety of coverage options.
- Availability: Farmers are available in all 50 states, making it a convenient option for many drivers.
- Discounts Available: Farmers offer discounts for safe driving, good grades for students, and more. Check out our Farmers car insurance review to learn more about the available discounts.
Cons
- Higher Rates: Some customers have reported higher premiums with Farmers compared to other insurance companies.
- Mixed Reviews on Claims Experience: While some customers have had positive experiences with Farmers’ claims handling, others have reported delays and difficulties.
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#7 – Ameriprise: Best for Comprehensive Policies
Pros
- Comprehensive Coverage Options: Ameriprise offers a wide range of coverage options, including roadside assistance and personal belongings coverage.
- Flexible Payment Plans: Customers can choose from monthly, quarterly, semi-annual or annual payment plans for their premiums. Read more: Ameriprise vs. USAA Car Insurance Comparison
- Strong Financial Stability: Ameriprise has an A+ rating from AM Best, indicating strong financial stability and ability to pay out claims.
Cons
- Higher Rates: Some customers have reported higher premiums with Ameriprise compared to other insurance companies.
- High Number of Complaints: Ameriprise has a high number of customer complaints filed with the National Association of Insurance Commissioners.
#8 – Liberty Mutual: Best for Customizable Coverage
Pros
- Customizable Policies: Liberty Mutual allows customers to choose from a variety of coverage options and add-ons for personalized coverage.
- Accident Forgiveness: Learn more about accident forgiveness in our Liberty Mutual car insurance review.
- Large Network of Agents: With over 400 offices across the country, Liberty Mutual has a large network of agents available to assist customers.
Cons
- Less Competitive Rates: Liberty Mutual’s rates may be higher compared to other insurance companies, especially for younger drivers.
- Low Customer Satisfaction: Liberty Mutual has a lower-than-average customer satisfaction rating compared to other insurance companies.
Car Insurance Companies Check Criminal Records Background
Insurance companies will check police records and run a background check on anyone applying for coverage. (For more information, read our “Can car insurance companies check police records?”).
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.
Read more: Is it a bad idea to give your Social Security number when shopping for car insurance?
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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A Felony Affects 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.
The table below shows the average monthly car insurance for ex-offenders.
Car Insurance Monthly Rates for Companies That Accept Felons by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $72 | $225 |
| Ameriprise | $47 | $126 |
| Farmers | $66 | $173 |
| Liberty Mutual | $81 | $212 |
| Nationwide | $53 | $137 |
| Progressive | $52 | $140 |
| State Farm | $37 | $96 |
| USAA | $25 | $67 |
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.
Driving-Related Felonies That Can Affect Car Insurance
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.
Brad Larson Licensed Insurance Agent
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 driving without insurance 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.
Shout out to Allstate customers who use our Drivewise app! A national survey found, on average, Drivewise customers:
📞 handle their phones 44% less while driving
🚀 spend 23% less time driving at high speeds
🚙 have an 11% lower rate of hard braking https://t.co/5GeR2nydjm— Allstate (@Allstate) April 19, 2024
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. Find out what questions car insurers ask to determine risk in our guide.
How can I find car insurance companies that accept felons?
To find car insurance companies that accept felons, you can:
- Research online. You can find free car insurance quotes online. 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.
These methods can help you find insurance companies that are more likely to accept felons, but keep in mind that there is no guarantee of coverage.
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.
Does a misdemeanor affect your car insurance?
Yes, a misdemeanor can significantly affect your car insurance rates, especially if it’s driving-related (such as DUI, reckless driving, or driving without a license). Insurance companies often view drivers with such records as high-risk, which can lead to higher premiums.
What driving-related misdemeanors can affect car insurance?
Driving Under the Influence (DUI), reckless driving, speeding, driving without a license, and hit-and-run incidents are common misdemeanors that can impact your insurance costs. Compare best car insurance companies that accept DUI in our detailed guide.
Do insurance companies check criminal records?
Yes, insurance companies typically check your driving record. They may also check for criminal records, especially if the crime is related to driving. This helps them assess the level of risk you pose as a driver.
Where can I buy car insurance with a criminal record
If you’re looking for where to buy car insurance with a criminal record, the good news is that several insurance companies are willing to provide coverage. Companies like Allstate, USAA, and Progressive are insurance companies that accept felons.
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. Find out what cars will increase the cost of insurance.
How does high-risk auto insurance work for felons?
High-risk auto insurance, also known as non-standard insurance, is designed for drivers who are considered too risky by standard insurance companies. This could be due to a history of traffic violations, DUIs, or having a felony conviction. Non-standard insurance options usually come with higher premiums and may have stricter terms and conditions. It’s important to shop around and compare quotes from different companies to find the best coverage for your specific situation.
Which car insurance companies do not ask about criminal convictions?
No car insurance provider will ignore criminal convictions, especially driving offenses. However, individuals with non-driving-related convictions can still find affordable insurance through companies like Allstate, USAA, and Progressive, which may offer car insurance for felons.
Does a criminal record affect auto insurance rates?
Yes, a criminal record can affect auto insurance rates. Insurance companies use your driving record and other factors like credit score, age, and location to determine your risk level as a driver. Depending on the severity of the crime and how recent it was, you may see an increase in your premiums.
Can you get cheap car insurance with criminal convictions?
Yes, you can get cheap car insurance with criminal convictions, but it may require some extra research and shopping around. Some insurance companies specialize in providing coverage to individuals with a less-than-perfect record. Comparing quotes and looking for insurers that offer flexible policies can help in finding an affordable option.
How do car insurance premiums change after a felony?
Car insurance premiums typically increase after a felony conviction due to the higher risk perceived by insurers.
Does Geico insure High-Risk Drivers?
Yes, Geico offers car insurance for high-risk drivers. They offer coverage for individuals with a history of accidents, DUIs, and other driving offenses. However, expect to pay higher premiums than drivers with a clean record. Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
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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.