Best Auto Insurance Companies That Don’t Ask About Criminal Convictions (2021)
If you’re looking for auto insurance companies that don’t ask about criminal convictions, you’re out of luck. You won’t secure any auto insurance quotes from companies that don’t ask about criminal convictions. However, there are plenty of auto insurance companies that accept felons and other customers with criminal offenses, like State Farm, Progressive, Allstate, and USAA, and typically non-driving crimes don’t affect auto insurance rates.
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UPDATED: Sep 22, 2021
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- You won’t find any major auto insurance companies that don’t ask about criminal convictions
- Typically, only crimes related to driving affect your auto insurance rates, like a DUI
- Crimes unrelated to driving usually do not impact your auto insurance rates
You won’t find any auto insurance companies that don’t ask about criminal convictions. Even if it’s not explicitly requested on the application, the provider still evaluates your background when calculating your quote.
So, technically, you can’t buy auto insurance from companies that don’t ask about criminal convictions. However, even with a criminal conviction, you can still secure affordable coverage.
Keep reading to determine if a criminal record affects your auto insurance and understand what companies look for when evaluating your criminal history.
After learning why there aren’t affordable auto insurance companies that don’t ask about criminal convictions, remember to enter your ZIP code into our free rate tool above to compare accurate quotes from the best providers near you.
What are the best auto insurance companies that don’t ask about criminal convictions?
People often wonder, which auto insurance companies do not ask about criminal convictions? Can you get auto insurance with a criminal conviction?
But in truth, you cannot get auto insurance rates from companies that don’t ask about criminal convictions. Not because providers don’t insure criminals, but because all insurers do check your criminal background.
So rather than finding an auto insurance company that doesn’t ask about criminal convictions, look for one that doesn’t increase rates too much based on whatever offense you committed.
Our top recommended insurer for people with criminal backgrounds is State Farm Auto Insurance Company, available in all 50 states.
State Farm does check your background, but if you have a DUI on your record, the provider does not increase rates as substantially as places like Travelers Auto Insurance Company. There are also plenty of discounts you can earn.
Progressive Auto Insurance Company is also available throughout the country and offers a similar number of discounts to drivers. However, the base quotes tend to be slightly higher than State Farm.
Allstate Auto Insurance Company makes it on our list because of its accident forgiveness program.
If your criminal conviction is related to a traffic citation, accident forgiveness programs help mitigate the cost of high-risk auto insurance.
Finally, USAA Auto Insurance Company is also great for folks with criminal convictions. The rates are some of the lowest in the country, but only military personnel can use its services.
To find the best auto insurance company that does ask about criminal convictions for you, shop around and compare quotes from various providers.
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Does a criminal conviction affect auto insurance rates?
Can you get auto insurance with a criminal record? Yes, in fact, auto insurance is legally required in almost every state.
Even people who’ve committed criminal offenses need auto insurance to drive on the roads. Therefore, there are plenty of auto insurance companies that accept felons and criminal convictions.
Fortunately, you can even secure cheap auto insurance quotes from companies that do ask about criminal convictions.
Plus, if your offense was unrelated to driving, like theft or assault, it likely will not impact your rates.
How long does it take for a criminal offense to get removed from your driving record? Officially, civil infractions stay on your record for ten years. However, misdemeanors remain on your record indefinitely.
But according to the legal experts at Nolo, you can rely on expungement laws in your state to create a fresh start for yourself if necessary.
If your criminal offense has been expunged, then you no longer need to report it on your application.
However, auto insurance companies mostly care about traffic citations on your record, not things like tax evasion or arson.
Typically, speeding tickets and other traffic citations remain on your driving history and affect your insurance rates for three to five years, while DUIs stay for ten years.
In the table below, see how different traffic violations increase your annual auto insurance rates.
|Driving Citation||Average Annual Auto Insurance Rates||Average Annual Rate Increase|
|With 1 speeding violation||$3,272.95||$693.69|
|With 1 DUI||$5,184.72||$2,605.46|
|With 1 accident||$3,721.56||$1,142.30|
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As you can see, auto insurance rates from companies that do ask about criminal convictions vary widely depending on what infraction you committed.
But DUIs, speeding violations, causing significant accidents that involve a bodily injury payout, and street racing are the primary citations that directly impact your auto insurance premiums.
Companies will typically look at your motor vehicle report (MVR) in order to check your driving history.
But how can you see your driving record? Most states allow you to request your MVR as well through your local DMV or Secretary of State.
How can you save on auto insurance with a criminal record?
So how do you secure affordable auto insurance from companies that do ask about criminal convictions?
To save money on auto insurance with a criminal record, start comparing quotes from multiple providers online.
If budget is a primary concern, consider purchasing only a basic policy with limits matching your state’s minimum legal requirements.
Or, if you invest in collision and comprehensive coverage, increase your deductibles.
Be mindful about the car make and model you drive, as some vehicles cost less to insure than others. Avoid sports cars and luxury vehicles.
Depending on what provider you use, you can also sign up for a safe driving refresher course to earn a defensive driver or driver’s education discount.
Another great way to reduce your auto insurance rates is by earning discounts. You likely already qualify for some, especially if you use anti-theft devices and safety technology on your vehicle.
Best Auto Insurance Companies That Don’t Ask About Criminal Convictions: The Bottom Line
Ultimately, you can only buy auto insurance from companies that do ask about criminal convictions.
But even with a criminal record, you will still be able to find affordable auto insurance coverage.
If your conviction is related to driving, then expect to pay more for auto insurance than average, at least for three to five years.
Otherwise, your past crime shouldn’t impact your auto insurance premiums.
Now that you know why you can’t get auto insurance quotes from companies that don’t ask about criminal convictions, enter your ZIP code into our free tool below to compare rates from reputable providers near you.