Best Car Insurance for Convicted Drivers in 2024 (Top 10 Companies Ranked)
The General stands out as a top choice for the best car insurance for convicted drivers, offering competitive rates with a discount of up to 15%. These insurers provide affordable yet comprehensive coverage, ideal for individuals seeking reliable protection customized to their driving requirements.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jul 17, 2024
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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: Jul 17, 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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The top pick overall for the best car insurance for convicted drivers is The General, alongside Progressive and Farmers, providing full coverage tailored to driving requirements.
Together with Progressive and Farmers, they provide cost-effective rates and comprehensive coverage choices tailored to your driving requirements.
Our Top 10 Company Picks: Best Car Insurance for Convicted Drivers
| Company | Rank | Accident Forgiveness | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | A | High-Risk Coverage | The General |
 | #2 | 16% | A+ | UBI Discount | Progressive |
 | #3 | 15% | A | Policy Options | Farmers |
 | #4 | 17% | A++ | Cost Savings | Geico |
 | #5 | 15% | A+ | Accident Forgiveness | Nationwide |
 | #6 | 13% | A++ | Driver Programs | State Farm |
 | #7 | 18% | A+ | Customized Policies | Allstate |
 | #8 | 15% | A | Extensive Discounts | Liberty Mutual |
 | #9 | 16% | A+ | Acceptance Rate | The Hartford |
 | #10 | 14% | A | Roadside Assistance | AAA |
If you have a car, you require specialized insurance coverage designed for its distinct needs. It’s essential to compare coverages and rates to safeguard your vehicle from potential damages, considering the differences between classic and standard car insurance policies.
We’ll assist you in finding the optimal car insurance by reviewing essential coverages, average rates, and providing a free quote comparison tool. Simply enter your ZIP code to get started.
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#1 – The General: Top Overall Pick
Pros
- Dedicated to Military Members: The General offers insurance exclusively to military personnel and their families, providing specialized coverage.
- Outstanding Customer Support: Renowned for its exceptional customer service, The General consistently puts its members’ needs first.
- Competitive Pricing: Members frequently enjoy competitive rates, making The General an appealing choice for those on a budget.
Cons
- Restricted Eligibility: As indicated in our The General insurance review, eligibility is limited to military personnel and their families, excluding the general public.
- Limited Physical Presence: With an emphasis on online and phone-based services, The General has fewer physical branch locations.
#2 – Progressive: Best for UBI Discount
Pros
- Tailored Policies: As outlined in our Progressive auto insurance review, customized coverage options are tailored to suit individual car insurance needs.
- Competitive Rates: Progressive offers cost-effective pricing options.
- Discount Opportunities: Progressive provides various discount opportunities, including those specific to car insurance policies.
Cons
- Claims Processing: Policyholders may encounter delays or complications during the claims handling process.
- Limited Discount Availability: Progressive may not offer as wide a range of discounts as some of its competitors.
#3 – Farmers: Best for Policy Options
Pros
- Customized Policies: Farmers, as highlighted in our Farmers auto insurance review, offers personalized coverage tailored to individual needs.
- Affordable Premiums: Farmers provides cost-effective car insurance options.
- Discount Opportunities: Farmers offers various discounts, including those specifically for car insurance policies.
Cons
- Restricted Availability: Farmers primarily operates through local agents, which may not be easily accessible in certain regions.
- Coverage Restrictions: Certain additional coverage options may not fully meet policyholders’ requirements.
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#4 – Geico: Best for Cost Savings
Pros
- Innovative Coverage Options: Geico provides distinctive coverage options like Accident Forgiveness and Deductible Rewards, enhancing policy value.
- User-friendly Technology: Geico offers intuitive mobile apps and online tools, simplifying policy and claims management for customers.
- Robust Financial Stability: Geico’s strong financial position assures policyholders of a dependable and secure insurance provider.
Cons
- Possibly Elevated Premiums: Certain customers might perceive Geico’s premiums as slightly higher compared to competitors.
- Varied Customer Service Feedback: While numerous customers express satisfaction, our Geico insurance review notes some challenges with claims processing reported by others.
#5 – Nationwide: Best for Accident Forgiveness
Pros
- Extensive Coverage Selection: Nationwide provides a diverse array of coverage options, enabling customers to customize policies according to their requirements.
- Deductible Reduction Program: Nationwide’s Vanishing Deductible initiative incentivizes safe driving behaviors by gradually reducing deductibles over time.
- Membership Savings: Nationwide offers discounts for different affiliations and memberships, improving affordability for specific demographics.
Cons
- Mixed Customer Satisfaction: Satisfaction levels among customers vary, as highlighted in our Nationwide insurance review, with some reporting average experiences.
- Premium Discrepancies: Premiums may differ depending on location and individual circumstances, potentially affecting overall affordability.
#6 – State Farm: Best for Driver Programs
Pros
- Discount Possibilities: State Farm offers a variety of discount options.
- Financial Security: State Farm benefits from the support of a financially stable company.
- Outstanding Customer Support: State Farm is well-known for its responsive and user-friendly service.
Cons
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#7 – Allstate: Best for Customized Policies
Pros
- Discount Opportunities: Allstate offers customized discount options for individuals.
- Financial Security: Allstate benefits from the backing of a financially stable corporation.
- Exceptional Customer Support: Allstate is well-known for its quick and easily accessible service.
Cons
- Coverage Restrictions: Certain supplementary policy features may not fully address individual needs. Refer to our Allstate auto insurance review for guidance.
- Claims Processing: Individuals may experience delays or difficulties during the claims process.
#8 – Liberty Mutual: Best for Extensive Discounts
Pros
- Customized Policies: Liberty Mutual provides personalized coverage options for auto insurance.
- Competitive Rates: Liberty Mutual offers affordable premiums.
- Outstanding Customer Support: Liberty Mutual is renowned for its quick and user-friendly service
Cons
- Limited Eligibility: Membership with Liberty Mutual is restricted to military personnel, veterans, and their families.
- Availability Restrictions: Liberty Mutual’s availability may differ depending on the location. For more information, refer to our Liberty Mutual car insurance review.
#9 – The Hartford: Best for Acceptance Rate
Pros
- Discount Opportunities: The Hartford offers a range of discount options, including those tailored for classic cars, aiding in cost savings.
- Financial Security: The Hartford boasts financial stability, instilling confidence in drivers.
- Prompt Customer Service: The Hartford ensures quick and responsive customer support, facilitating timely assistance.
Cons
- Claims Process Complexity: In our The Hartford car insurance review, individuals may face challenges with claim processing.
- Limited Discount Options: The Hartford provides fewer discounts, which may affect seniors seeking savings.
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#10 – AAA: Best for Roadside Assistance
Pros
- Tailored Policies: AAA offers customized coverage options for car insurance.
- Competitive Rates: AAA provides cost-effective pricing. Explore affordability details in our AAA car insurance review.
- Discount Availability: AAA offers various discounts, including ones tailored for classic cars.
Cons
Post-Conviction Car Insurance Rates: A Comparative Overview
Car Insurance Monthly Rates for Convicted Drivers by Coverage Level
Insurance Company Minimum Coverage Full Coverage
AAA $57 $148
Allstate $106 $270
Farmers $74 $193
Geico $82 $216
Liberty Mutual $125 $313
Nationwide $90 $237
Progressive $52 $140
State Farm $45 $112
The General $166 $426
The Hartford $65 $167
Finding Affordable Coverage for Convicted Drivers
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Getting Car Insurance With Convictions
Finding affordable car insurance for drivers with poor records, including seniors and those with DUI convictions, is tough. Companies like USAA, Titan, and Geico offer tailored options, with Geico’s high-risk car insurance being popular. Understanding DUI implications, including SR-22 filing and limitations on collision and comprehensive coverage, is crucial.
In some states, insurers may take years to learn about DUI convictions, making it easier to find affordable coverage post-accident. However, comprehensive coverage may still be unavailable, leading banks to purchase insurance at higher costs as beneficiaries.
Tips for Finding Cheap Coverage for Convicted Driver
Decreasing Car Insurance Rates With Bad Driving Record
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Case Studies: Tailored Policies for Convicted Drivers
Embarking on the road to recovery post-conviction, drivers seek tailored insurance solutions to navigate their journey with confidence. Delve into case studies from industry leaders like Progressive, State Farm, and Allstate, unveiling affordable and reliable coverage options designed to meet the unique needs of convicted drivers.
- Case Study 1 – Progressive’s Tailored Solutions: Meet Alex, a recently convicted driver seeking affordable coverage. Progressive offers rates starting at $72 per month, ensuring accessible insurance tailored to his needs post-conviction.
- Case Study 2 – State Farm’s Neighborly Assurance: After a conviction, Sarah chooses State Farm for reliable coverage, starting at $53 per month, highlighting the insurer’s commitment to affordability and trustworthiness.
- Case Study 3 – Allstate’s Comprehensive Protection: James chooses Allstate for comprehensive coverage post-conviction, with rates starting at $177 per month, emphasizing the insurer’s dedication to safeguarding drivers with tailored solutions.
As these case studies illuminate, Progressive, State Farm, and Allstate stand as beacons of assurance for convicted drivers, offering tailored solutions at accessible rates. With a commitment to affordability and reliability, these insurers pave the way for drivers to reclaim their peace of mind on the road.
The General stands out for its competitive rates and comprehensive coverage, making it a top choice for convicted drivers, with a customer rating of 92%.
Brad Larson Licensed Insurance Agent
Providing convicted drivers with accessible and reliable insurance solutions. Through tailored coverage options and commitment to affordability, these insurers offer a pathway to security and peace of mind on the road, ensuring that every driver can confidently navigate their journey post-conviction.
The Final Verdict for Convicted Drivers
Choosing the right car insurance is crucial for ensuring your peace of mind on the road. Whether you’re a convicted driver or seeking the best rates, understanding the available coverage options and discounts is essential.
By comparing rates and coverage comprehensively, you can find the ideal insurance policy tailored to your needs and budget. Prioritizing comprehensive coverage safeguards against potential risks and liabilities, offering you confidence and protection while driving
Frequently Asked Questions
How can I find cheap insurance for convicted drivers?
Finding cheap insurance for convicted drivers requires comparing quotes from multiple companies. You can use online quote tools to compare rates from different insurers and choose the one that offers the most affordable coverage for your specific situation.
How much do rates increase after a DUI conviction?
On average, car insurance rates can increase by $149.67 per month after one DUI conviction. However, the actual increase may vary depending on various factors such as the insurance company, location, driving history, and the severity of the conviction. To mitigate these increases, convicted drivers can explore options with specialized insurers and compare quotes to find the cheapest car insurance available for their situation.
How long does it take for insurance rates to decrease after a DUI conviction?
Typically, it takes three to five years for an insurance company to lower your rates after a DUI conviction. During this time, it’s crucial to maintain a clean driving record and demonstrate responsible behavior to improve your insurability. Enter your ZIP code now to compare.
What happens if I have a DUI?
Having a DUI conviction can lead to several consequences, including heavy fines, a suspended license, and an increase in your car insurance rates. Some insurance companies may even refuse to insure you due to the high-risk nature associated with DUI offenses.
Is SR-22 form necessary for car insurance with convictions?
Can high-risk drivers remove convictions from their driving records?
It may be possible to remove convictions from a driving record through an expungement process, but specific requirements and eligibility criteria vary by jurisdiction. Enter your ZIP code now.
How can I decrease my car insurance rates with a bad driving record?
High-risk drivers can work on improving their driving records over time by practicing safe driving habits and avoiding further traffic violations. Additionally, taking defensive driving courses can help reduce points on the license and potentially lower insurance rates.
Which car insurance companies offer a defensive driving discount?
Can you really find cheap car insurance with a DUI?
Finding cheap car insurance with a DUI can be challenging, as DUI convictions often lead to significantly higher insurance rates. However, by comparing quotes from multiple insurance companies and speaking with agents directly, it’s possible to find more affordable options. Enter your ZIP code now for details.
Is it possible to find affordable coverage for convicted drivers?
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
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.
