Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • You can get car insurance with a criminal record
  • The key is to be honest with representatives and be firm in your resolve to reform
  • There are various factors that will affect your status with insurance companies
  • Every positive thing you do leads you closer to establishing credibility and making a better tomorrow

Are you in need of car insurance but have a criminal record? Sometimes what you need is a fresh start in life. You may have made some mistakes in the past, but you are trying to get your life back in order now.

The problem is that it may be difficult to get some people to trust you again.

If you are looking for car insurance but have been discouraged because you have a criminal conviction, don’t despair. There are some companies who will give you a chance to earn back your credibility.

A criminal conviction is not something anyone wants on their record, but if it is not driving related (such as DUI’s or driving without a license) for example, you may be able to qualify for many types of car insurance.

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How to Find a Car Insurance Company if You Have a Record


If you have a criminal conviction to your name, you may find it a bit more challenging to find a car insurance company that will work with you, but it’s not impossible. There are 25 factors that influence the premiums you’ll pay with a car insurance company.

You will notice that one of them is a felony conviction.

Even if you have done time in prison for the offense, many companies are willing to give you a chance.

Keep in mind, though that it will not be at the same rate as someone with a clean record.

How much you will pay for car insurance as a convicted felon may depend on the nature of the offense, as well as other factors.

Some of the factors that are taken into consideration include:

  • Whether it was a violent crime or not
  • Whether you have served your sentence and paid your fines
  • Your risk of fleeing the law if under probation
  • Whether the offense was driving related or not
  • White or blue collar crimes

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Types of Crime: Blue Collar vs. White Collar

The type of crime that you were found guilty of does influence the likelihood of an insurance company trusting you and may determine your rates as well.

– Blue Collar Crimes

A blue collar crime usually occurs among lower social class workers and normally includes such crimes as:

  • Armed robbery
  • Murder
  • Sexual assault
  • Burglary and theft

– White Collar Crimes

White collar crimes usually involve people of higher income level and normally deal with crimes involving money such as:

  • Money laundering
  • Embezzlement
  • Fraud
  • Bribery

In reality, a lower social class individual may commit so-called, white collar crimes. Likewise, someone of higher standing may also commit blue collar crimes such as murder or robbery. This is just the general categorization of crimes as the court sees them when ranking crimes.

Violent crimes or murder are, of course, considered far worse than bribery or fraud, but they are both punishable crimes and individuals can be sent to jail for any of them.

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How Insurers See Crime When Granting Policies

There are two sides of this coin when it comes to insurance companies. On the one hand, they would consider a non-violent crime such as embezzlement less threatening than someone with a violent or dangerous history toward others.

Violent offenders tend to have serious issues and could be extremely dangerous on the road.

This is especially true if you are seen as a flight risk to law enforcement officers.

However, individuals with a history of white collar crimes, while less dangerous to people physically, may abuse any fiduciary system and they may think that you may attempt to be dishonest or even commit insurance fraud.

This is not to say that you would do this and many insurers believe you deserve a clean slate if you have served your time.

Because the risk is so great, they may put you on a high-risk insurance plan and maybe even move you to an indemnity type of policy until such time that you have proven yourself not to be a risk.

Which insurance company should I choose?


When you consider how smart technology has gotten to be these days, the best move, in this case, is, to be honest.

Your insurance company will find your criminal record when you apply for insurance coverage. So it is usually in your best interest to simply be honest and transparent.

With time, the insurance company may lower your premium, even if they put you on a high-risk policy at first. Like any business relationship, you may have to gain their trust over time.

The best thing you can do as a convicted felon for yourself and others is not to break any laws whatsoever from here on.

You should strive not even to get a parking ticket.

Regarding which insurance company to choose, you should go with the one who is most likely to work with you, who is understanding of the fact that you have done your time and are vowing to do better, and who is willing to grant you a policy.

When you are starting fresh with a criminal record, every single thing you can do to win the trust of business people and insurance companies will help you to restore faith in you and provide even more opportunities for reform in the future.

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Keep Looking Forward


We cannot do anything about our past. But we can do something about the future.

Keeping your driving record clean, refusing to take part in questionable acts and behaviors, and being straightforward with your insurance company may be the steps you need to ensure a brighter future for yourself.

Taking a defensive driving course may also prove that you are trying to be a law-abiding citizen.

Shop and compare companies and policies until you find an insurance company you can trust and then be safe on the road, doing your best to obey all laws. That’s the way you can make tomorrow better than yesterday.

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