Does a Felony Affect Your Car Insurance?
Can you get car insurance with a felony on your record?
Does a felony affect car insurance rates?
For the purposes of car insurance, felonies fall into two primary categories: driving-related and non-driving violations. An offense involving a vehicle will typically impact your ability to find a car insurance policy — and your rates — more than will a non-driving violation.
If you are convicted of a driving-related felony, expect some serious insurance implications. "Driving-related felonies” includes the following convictions:
- Vehicular homicide/manslaughter
- Repeat DUIs or multiple DUI convictions
- Repeat traffic offenses, such as reckless driving or driving without a license
- Certain hit-and-run offenses
These matter to an insurance provider because their business model depends on predicting and avoiding risk. Auto insurance companies see a potential customer who has been convicted of vehicular manslaughter or several DUIs as too risky to insure. The chances of paying out a large bodily injury claim or being sued for damages make issuing a policy to a driver with a driving felony an unwise investment.
An insurance company can deny you a policy due to the risks associated with your driving history. In most cases, you won't have recourse against the company. Insurance companies are allowed by law to select to whom they will or will not provide coverage.
If your driving profile isn’t deemed risky enough to be denied coverage, your policy can still be affected. In order to decrease the risk presented by covering your vehicle, a carrier may quote a higher premium than it would for a less risky driver. While the rates below take into account one charge — perhaps not as significant as a felony offense — you can see how legal violations can impact car insurance rates.
|Accident/Violation||Avg. Annual Premium|
|Driving with a suspended license||$3,195|
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Because insurance companies do not run criminal background checks, a non-driving-related offense will not directly impact your premium. However, your premium can be affected indirectly if one of the rating factors used to calculate your premium changed as a result of your imprisonment. The factors that can lead to elevated premiums include lapses in insurance coverage or changes to your credit score.
If you did not maintain an active car insurance policy during your time in prison — an understandable circumstance — insurance companies may see a lapse in coverage, resulting in higher premiums. While not as costly as a driving-related offense, a gap in coverage is still viewed as an indicator of risk.
|Months with Prior Carrier||Average Annual Premium|
The average difference between having no coverage before requesting a quote (0 months with previous car insurance company) and 12 months of coverage is more than $1,500 per year. Depending the duration of your incarceration, this could lead to significantly higher auto insurance rates.
Another way in which your premium could be impacted is if your credit score dropped. Credit is a major rating factor used to determine your premium. Historical data show drivers with poor credit file more claims — and more costly claims — than do drivers with high credit. Insurance companies will raise premiums to offset this risk.
|Credit Tier||Avg. Annual Premium|
Where to buy car insurance after a felony
If you were found guilty of a driving offense, finding car insurance can be difficult and expensive. Your best option is to assess as many companies as possible. Consider non-standard companies, which might be less likely to deny coverage. Another option to keep in mind is "Assigned Risk Car Insurance." This policy covers drivers who have been denied insurance from multiple providers. Assigned Risk insurance is state-specific, so consult your state’s Department of Motor Vehicles page for information.
Consider assigned risk insurance as a last resort. It is generally very expensive. You will need to show proof of denied coverage from other insurance companies to qualify for an assigned risk policy. If you’re interested in seeing what is available or need to qualify for an assigned risk policy, enter your zip code below to compare car insurance premiums from popular standard and non-standard companies!
Compare quotes from over 100 providers.
- Can You Get Car Insurance with a Suspended License?
- Cheap Car Insurance After a DUI
- How Do Points on Your License Affect Car Insurance?
- For How Long Does a Ticket Impact Your Car Insurance?
- What's the difference between DUI and DWI?
- Car Insurance with Expired Registration
- Will a MIP Violation Affect Car Insurance Rates?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.