Cheap Auto Insurance Companies That Accept Felons in 2024 (10 Most Affordable Providers)

State Farm, Safeco, and American Family are the leading cheap auto insurance companies that accept felons. These top picks stand out for their exceptional coverage options and affordability tailored specifically for individuals with criminal records.

State Farm, in particular, excels with its specialized programs designed to offer comprehensive protection and competitive rates.

Explore these top providers to find the best insurance solutions that meet your needs. Obtain detailed insights by reading our guide titled, “How to Buy Auto Insurance.”

Get started on comparing full coverage auto insurance rates by entering your ZIP code above.

#1 – State Farm: Top Overall Pick

Pros

• Extensive Local Network: State Farm boasts an extensive network of local representatives who deliver personalized assistance and localized expertise, facilitating felons in navigating insurance options suited to their specific needs.
• Notable Multi-Policy Discounts: By consolidating multiple insurance policies, State Farm provides significant savings, aiding felons in managing their expenditures while ensuring comprehensive protection. Read the article called, “State Farm Auto Insurance Review” for additional insights.
• Versatile Coverage Options: The company presents a broad range of insurance plans designed to meet various requirements, ensuring that felons can find appropriate coverage regardless of their circumstances.

Cons

• Discount Limitations: Although State Farm offers multi-policy savings, these discounts are not as generous as those provided by some competitors, which might limit cost-saving opportunities for felons.
• Premiums on the Higher Side: Even with available discounts, State Farm’s premiums could remain comparatively high for certain levels of coverage, potentially affecting affordability for some felons.

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#2 – Safeco: Best for Affordable Rates

Pros

• Affordable Monthly Premiums: Safeco is renowned for its economical monthly premiums, providing cost-effective insurance solutions for felons who need affordable coverage.
• Substantial Discounts for Responsible Driving: Felons who exhibit safe driving habits can receive considerable discounts, reducing overall insurance costs. Explore insurance savings in our full guide titled, “Safeco Auto Insurance Review.”
• Comprehensive Coverage Choices: Safeco offers an array of coverage options, allowing felons to select plans that best fit their individual needs without overspending.

Cons

• Limited Impact of Discounts for Felons: Although Safeco provides various discounts, these might be less substantial compared to those offered by other insurers, which could limit benefits for felons.
• Intricate Claims Process: The claims filing process can be complex, potentially posing challenges for felons who are not familiar with navigating insurance procedures.

#3 – American Family: Best for Customizable Plans

Pros

• Highly Customizable Insurance Plans: American Family allows for extensive customization of insurance plans, enabling felons to tailor coverage precisely to their preferences and needs.
• Attractive Discounts for Positive Behavior: Felons can benefit from discounts based on good behavior, such as maintaining a clean driving record, which helps in making coverage more affordable.
• Solid A.M. Best Rating: With a strong A rating from A.M. Best, American Family demonstrates financial stability and reliability, providing confidence for those with felons convictions. Learn more about the offerings in our guide titled, “Auto Insurance Discounts.”

Cons

• Possibly Higher Expenses: The flexibility of American Family’s plans may lead to higher costs, which could be a concern for felons on a tight budget.
• Overwhelming Customization Options: The extensive range of customizable options might be daunting, making it challenging for some felons to select the most suitable coverage without assistance.

#4 – Travelers Insurance: Best for Broad Coverage

Pros

• Broad Range of Coverage Options: Travelers Insurance provides a wide selection of coverage options, ensuring that felons can secure protection that meets their specific needs and conditions.
• Exceptional A.M. Best Rating: Holding an A++ rating from A.M. Best, Travelers Insurance showcases outstanding financial strength and stability, crucial for felons seeking dependable coverage.
• Generous Discount Opportunities: Travelers offers substantial discounts, including those for safe driving and policy bundling, which makes it a cost-effective choice for felons. Access detailed insights in our guide titled, “Travelers Auto Insurance Review.”

Cons

• Higher Monthly Costs: Despite its comprehensive coverage and high ratings, Travelers Insurance may have elevated monthly premiums compared to some competitors, which could be a concern for budget-conscious felons.
• Less Focus on Local Agents: The absence of a strong local agent network might be a disadvantage for felons who prefer personalized, face-to-face interactions for managing their insurance.

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#5 – Allstate: Best for Easy Online

Pros

• Efficient Online Services: Allstate’s streamlined digital platform facilitates easy management of insurance policies and access to support, making it convenient for felons to handle their insurance needs without in-person visits.
• Beneficial Discounts: The company provides a range of discounts, including those for safe driving and bundling policies, which can help lower premiums for felons.
• Comprehensive Customer Support: Allstate offers robust customer service, ensuring that felons receive necessary assistance through digital channels. Dive into our article called, “Allstate vs. State Farm Auto Insurance.”

Cons

• Potential for Higher Premiums: Even with available discounts, Allstate’s premiums might be relatively high, potentially making it less accessible for some felons.
• Limited Local Representation: The focus on online services over local agent interaction may be a drawback for felons who value personal connections and localized expertise.

#6 – The Hartford: Best for Good Reputation

Pros

• Inclusive Underwriting: The Hartford provides extensive coverage options, tailored specifically to accommodate individuals with felony records, ensuring accessibility and inclusivity for felons seeking dependable insurance.
• Exceptional Rating: Holding an A+ rating from A.M. Best, The Hartford stands out for its stability and reliability, particularly advantageous for felons who require trustworthiness in their insurer.
• Competitive Rates: With a monthly rate of $90, The Hartford offers competitive pricing, making it an appealing choice for felons looking to manage costs while maintaining robust coverage. Uncover details in our guide titled, “The Hartford Auto Insurance Review.”

Cons

• Niche Discount Limits: While The Hartford excels in overall reputation, its discounts for policies tailored to high-risk drivers, including felons, might not be as substantial as some of its competitors.
• Premium Adjustments: The monthly rates, though competitive, may still present challenges for felons on a tight budget, potentially making premiums a bit steep for certain coverage options.

#7 – Liberty Mutual: Best for Multiple Discounts

Pros

• Second-Chance Friendly: Liberty Mutual extends numerous discounts, including those applicable to high-risk drivers, ensuring affordability for felons with felony convictions.
• Discount Variety: Known for its diverse array of discounts, Liberty Mutual allows for significant cost reductions, catering to various needs, including those of felons seeking insurance coverage.
• A Rating: With a solid A rating from A.M. Best, Liberty Mutual reflects a stable and trustworthy option for felons with complex insurance needs. Gain insights from our guide titled, “Liberty Mutual Auto Insurance Review.”

Cons

• Limited Special Discounts: While Liberty Mutual offers many discounts, those specifically designed for felons might not be as extensive compared to other insurers.
• Higher Baseline Rates: The starting monthly rate of $92 may be higher than some competitors, which could be a consideration for budget-conscious felons.

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#8 – Farmers Insurance: Best for Comprehensive Options

Pros

• Fresh Start Support: Farmers Insurance offers comprehensive coverage options that include policies designed for individuals with felony convictions, providing tailored solutions for felons with complex needs.
• A Rating: With an A rating from A.M. Best, Farmers Insurance demonstrates financial strength and reliability, crucial for felons seeking dependable coverage. To discover more about the company, visit our guide titled, “Farmers Auto Insurance Review.”
• Broad Coverage Choices: The variety of insurance options allows for customization, ensuring that even felons can find a policy that fits their specific requirements.

Cons

• Discount Specificity: Although Farmers Insurance provides a range of options, its discounts for high-risk individuals, including felons, might not be as prominent or easily accessible.
• Monthly Premiums: At $95 per month, the premiums might be relatively high, which could be a barrier for some felons seeking more budget-friendly coverage.

#9 – Nationwide: Best for Discounts Available

Pros

• Barrier-Free Coverage: Nationwide’s extensive discount programs include options for felons, enhancing affordability for high-risk drivers. For more information, check out our complete guide titled, “Nationwide Auto Insurance Review.”
• Superior A+ Rating: An A+ rating from A.M. Best underscores Nationwide’s strong financial standing and reliability, making it a solid choice for felons with specific coverage needs.
• Discount Potential: The availability of various discounts allows for potential savings, making Nationwide a viable option for felons seeking to manage insurance costs effectively.

Cons

• Discount Application: While discounts are available, they might not be as specialized for individuals with felony records or felons compared to other insurers.
• Premium Costs: With a monthly rate of $100, the cost of coverage could be higher than some competitors, which might be a consideration for felons seeking more affordable options.

#10 – Progressive: Best for Flexible Coverage

Pros

• Extensive Flexibility: Progressive offers a wide variety of coverage options, ideal for individuals, including felons, who need adaptable insurance plans that can shift with changing circumstances after navigating personal obstacles.
• Financial Security: With an A+ rating from A.M. Best, Progressive provides peace of mind to those, including felons, seeking a reliable insurance company that understands their need for stability during their reintegration process.
• Non-Judgmental Policies: Progressive makes it easy for individuals with varied backgrounds, including felons, to access coverage, supporting personal and financial recovery without added barriers. For further details, see our guide titled, “Progressive Auto Insurance Review.”

Cons

• Discount Variability: Although Progressive offers a range of coverage options, its discounts for high-risk drivers, including felons, may not be as extensive or easily accessible as those of some competitors.
• Relatively High Premiums: With a monthly rate of $103, Progressive’s premiums might be on the higher side, which could impact affordability for some individuals, including felons.

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Monthly Auto Insurance Rates for Felons: Coverage Options by Provider

When evaluating auto insurance options, especially for individuals with felony convictions, understanding the specific coverage rates is crucial. The following table provides a comprehensive overview of monthly rates for different levels of coverage across various insurance providers. This information can help in making informed decisions based on both cost and coverage needs.

Examining the rates for minimum and full coverage from the listed insurers reveals significant variations. State Farm offers the most affordable minimum coverage at $80 per month, while Safeco provides the lowest full coverage rate at $203 per month.

On the higher end, Progressive charges $245 per month for full coverage, reflecting its premium pricing for comprehensive protection. Farmers and Liberty Mutual also present competitive options with monthly rates of $95 and $92, respectively, for minimum coverage and up to $230 and $225 for full coverage.

These rates highlight the differences in pricing strategies among insurers, emphasizing the need for a tailored approach when selecting a policy. Gain insights from our guide titled, “How much auto insurance coverage do you need?”

Finding Auto Insurance Options After a Felony

You can buy auto insurance with a felony, although it may be difficult. If you have been found guilty of a driving offense, consider shopping for car insurance at a non-standard insurance company. These companies are less likely to deny coverage to you.

Non-standard insurance companies are reserved for risky drivers. Having a driving-related felony makes you a risky driver in the eyes of your insurance company.

ven if you are having trouble finding a non-standard insurance company to cover you, you can sign up for “Assigned Risk Auto Insurance”, but this should be your last resort.

Assigned risk auto insurance covers drivers who have been denied insurance from multiple providers. This insurance varies by state, so look up your state’s restrictions and stipulations before purchase. Discover more by exploring our in-depth guide titled, “Cheap Auto Insurance Companies That Don’t Penalize You if an Accident Isn’t Your Fault.”

Securing Auto Insurance with a Felony Record: What You Need to Know

Whether or not you can buy auto insurance with a felony depends on what type of crime you were convicted of.

If you were convicted of vehicular homicide or DUI, then you would have more difficulty finding car insurance. If your conviction was completely unrelated to driving, you could be penalized but indirectly.

Insurance companies’ main goal is to avoid risks. Having multiple driving-related convictions makes you high-risk in the eyes of insurance companies. High-risk auto insurance is for drivers with criminal convictions or multiple violations and comes with higher auto insurance rates.

‘Driving Related Violations’ and ‘Non-Driving-Related Violations’ are the two categories that insurance companies will place you in to determine your risk level. Premium can be indirectly affected if one of the rating factors used to calculate your premium has changed as a result of imprisonment.

Driving Related v. Non-Driving Related Violations

Driving Related	Non-Driving Related
Vehicular homicide/manslaughter	Bad/irresponsible credit history
Repeat DUI/multiple DUI convictions	Failure to maintain insurance coverage
Repeat traffic offenses, such as reckless driving or driving without a license	Teenager or young driver listed on policy
Certain hit-and-run offenses	Insurance fraud

The type of felony you have will influence where you can buy car insurance with a criminal record and how much auto insurance costs for felons. For further details, see our guide titled, “Consequences of Driving Without a License.”

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Factors Influencing Auto Insurance Eligibility for Convicted Felons

To make easily obtain auto insurance with a felony, have the following things in order:

• Driver’s License: get your license reinstated if needed
• Nature of Felony: make sure your felony is not driving-related
• Background Check: Insurance companies check criminal records, but this check is limited in scope. However, the more driving-related incidents on your record, the less likely you are to qualify for standard insurance.
• Amount of Elapsed Time: Anyone who has had a significant lapse in car insurance coverage will be deemed a higher risk to the insurance company, regardless of criminal background

Knowing that you have these things in control before you shop for affordable auto insurance for people with felonies, then you should have peace of mind. Affordable car insurance is just a few steps away. For more information, check out our complete guide titled, “Getting Auto Insurance.”

Steps to Secure Auto Insurance for Individuals with Felonies

There are four steps you should take to make getting insurance coverage a bit easier. These steps, coupled with having the items listed above in order, will make buying a policy smoother sailing.

First, you should always tell the truth. If you know you have a driving-related conviction, be upfront with the insurance company because they will eventually find out. Telling them right away will allow them to work with you to find the best solution for you.

Having a lapse in your coverage – due to imprisonment or any reason – will cause you to have a high premium. These rates can be lowered after six months of good driving with no premiums. Take out a six-month policy in order to get a lower premium.

Consider taking educational courses and safe driving classes. This type of education will be accepted by some insurance companies. Participating could help you obtain coverage and get lower rates and premiums. To discover more about the company, visit our guide titled, “Affordable No Down Payment Auto Insurance.”

Lastly, ask about different policy options. Sign up for Compulsory Third Party Car Insurance, only. This type of insurance does not cover the felons’ vehicle or property, only victims of an accident – the other person’s car or property.

Does your auto insurance company check your criminal record? Enter your ZIP code and get a free quote today.

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