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Convicted Felon Auto Insurance: Are There Any Special Requirements?

Updated: July 30, 2018

Everyone who owns a vehicle and drives on the road requires some form of auto insurance in the United States.

This is tricky for someone who is just out of jail, because getting convicted felon auto insurance is not always easy.

Even if you have served time for a few years, you will need to get auto insurance if you plan on driving when you are out of prison.

However, not all auto insurance companies are comfortable with offering policies to convicted felons.

There are other companies who may charge more for convicted felon auto insurance, due to the increased risk of insuring the individual in question.

What is Convicted Felon Auto Insurance?

There is no special type of convicted felon auto insurance policy that someone must get if they have recently been released from prison. Auto insurance companies do not have specific policies for convicted felons.

First of all, convicted felons probably have low credit scores. In addition, they have not had auto insurance for many years because they were in prison.

However, someone who is on the convicted felon list may have to face much higher auto insurance premiums. There are many reasons why this happens.

First of all, convicted felons probably have low credit scores. In addition, they have not had auto insurance for many years because they were in prison. These two factors alone can result in much higher premium rates.

There is also the possibility that the auto insurance company will look through the local felon list to find out why you were in prison. If your previous crimes put you in a higher risk category, you will face higher premiums when auto insurance quotes are provided.

It is best to tell an auto insurance agent up front about your previous criminal history, because they can give you an honest answer about how this factor will impact the auto insurance policies you are offered.

Are There Special Requirements for Convicted Felon Auto Insurance?

When considering the requirements for convicted felon auto insurance, it is important to remember that not all felons are treated equally by auto insurance companies.

The way an auto insurance company will go about adjusting the auto insurance quotes for convicted felons depends on the crimes they committed.

The way an auto insurance company will go about adjusting the auto insurance quotes for convicted felons depends on the crimes they committed. For example, someone who went to jail for a driving-related felony is going to have huge problems getting cheap auto insurance.

In contrast, convicted felon car insurance for someone who went to jail for a crime not related to driving or cars may not face such high premiums. But their premium rates are still going to be higher than individuals who do not have a criminal record.

A history of driving-related felonies puts you in the highest risk category where auto insurance is concerned. Auto insurance companies will charge enormously high premiums to those individuals, because they deem them a huge risk to insure.

If you have a non-driving felony on your record, you may still belong in a high risk category, but you will not face drastically increased premiums as compared to non-felons with similar jobs, credit scores and driving histories.

What Impacts Convicted Felon Auto Insurance?

It is not always the felony itself that impacts auto insurance quotes for felons. Interestingly enough, convicted felon auto insurance is most often determined by other factors, such as the individual’s current job, income, credit score and driving history.

Felons are less likely to get stable, well-paying jobs after their release from jail, while they also have lower credit scores than non-felons.

For example, a convicted felon who went to jail for killing someone while drunk driving will face much higher premiums in the future than someone who did a year in jail for selling drugs.

Felons who go to jail for crimes that did not involve driving or cars will probably face higher premiums because of their poor credit scores, lack of employment history from the past few years, their current job and lower income.

Felons are less likely to get stable, well-paying jobs after their release from jail, while they also have lower credit scores than non-felons.

It is these factors that impact your convicted felon auto insurance rates – if you are someone with a non-driving felony on their record. But there are steps you can take to save money on convicted felon auto insurance in the medium and long-term.

How to Save Money on Convicted Felon Auto Insurance?

While it is hard to get into a lower risk category as soon as you get out of jail, there are steps felons can take to reduce their auto insurance premiums over time.

Another way to get cheap auto insurance with a felony on your record is to ensure you have zero traffic tickets or accidents on your record post-felony.

The best thing a felon can do is manage their finances. When you get out of jail, take steps to get a good job, save as much money as you can and avoid debt under any circumstances. As your credit score improves, you are offered lower auto insurance premium rates.

Another way to get cheap auto insurance with a felony on your record is to ensure you have zero traffic tickets or accidents on your record post-felony.

This goes a long way towards showing auto insurance companies that you are a rehabilitated individual who is not a higher risk than someone without a felony on their record.

Ensure your car is up to standard where safety is concerned. If you are driving an older vehicle, you can make sure the vehicle has up-to-date air bags, a car alarm, GPS tracking software and other safety features. This will lower the rate you pay for certain types of auto insurance.

What Type of Coverage to Get for Auto Insurance?

When you get out of jail, it is important to consider the type of auto insurance policy you need for your vehicle. Convicted felon auto insurance involves the same dilemmas as regular auto insurance.

Their policy should include liability, comprehensive and collision insurance to give them adequate protection against any possible circumstances.

Individuals must decide what level of coverage is necessary for their car.

A felon who has a relatively new and valuable car that they want to drive everyday must get a thorough auto insurance policy. Their policy should include liability, comprehensive and collision insurance to give them adequate protection against any possible circumstances.

However, felons must take extra care to manage their finances properly. Getting a thorough policy should never come at the expense of what you can afford. If a felon can only afford cheap auto insurance, they must get a good amount of liability coverage and only the levels of comprehensive and/or collision insurance that they can afford.

Getting a good level of liability coverage is crucial, because the last thing you want is to deal with is out of pocket expenses related to an accident you cause shortly after getting out of jail.