Car Insurance for Convicted Drivers

Car insurance rates after a DUI rise by $149.67/mo on average. Save on your policy rates by reducing your coverage, raising your deductible, or driving less.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 13, 2020

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Here's what you need to know...

  • Car insurance coverage is generally higher for individuals who have been convicted
  • People with DUIs and DWIs on their record can expect to pay higher premiums than the average driver
  • There are several ways you can lower your car insurance costs

Car insurance for convicted drivers comes with a high price tag. Your conviction labels you as a high-risk driver in the eyes of the insurance companies. Still, you can obtain car insurance if you know where to look for it.

While locating auto insurance with a reasonable premium is a challenging and daunting task, cheaper auto insurance is out there. Just be aware that your rates will remain higher than those of the average driver for some time.

Enter your zip code above to get online car insurance quotes from multiple companies now!

Car Insurance for Convicted Drivers

Auto insurance companies tend to be creatures of habit; they use previous years’ statistics to predict future ones. Many companies merely study an individual’s previous record as a driver, generally going back as far as five years.

The companies then use this data to decide a person’s auto insurance premiums. Therefore, if you have multiple traffic violations or parking tickets, you are probably an insurance risk with a bad driving record.

Likewise, if you get a parking ticket or get into an auto accident, your premium will most likely increase. A conviction of any kind is treated as a red flag.

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Shopping for Car Insurance for Convicted Drivers

People with marks on their license will discover that it may be hard to get a reasonable auto insurance rate.

However, shopping around will help you obtain a better premium. There are third party websites like this one that can provide you with quotes and information comparing various auto insurance companies — which allows you to compare and contrast their rates.

This research can also be accomplished by telephoning the same companies, and acquiring the rates in this manner, instead. While a more traditional method, it requires more time and effort, since each company would need to be contacted directly.

Many auto companies are willing and able to provide more for less when it comes to car insurance for convicted drivers at somewhat competitive rates.

Lowering Car Insurance Rates for Convicted Drivers

For drivers with poor records, obtaining car insurance is not easy. Ordinarily, such drivers are subjected to ridiculous auto insurance rates and premiums, or no insurance at all.

Furthermore, the means to reduce the rates are difficult to locate.

  • Take the smallest amount of insurance coverage By taking the smallest amount of auto coverage allowed by law, you can keep your rates low. Usually, the smallest amount of coverage is liability insurance, which protects you and your property, as well as legal fees, in the event of an accident involving your vehicle.
  • Speak directly with the insurance agent If you have been convicted of a DUI, you will discover that obtaining an auto insurance policy is difficult and expensive. You should speak directly to an agent so that you can better explain your specific situation.
  • Take drivers’ safety instruction Taking a traffic safety course, also called a defensive driving course, is one more method you can use to lower your insurance rates.
  • Drive less By keeping your annual driving mileage down, you will keep your auto insurance rates low as well. The fewer miles that are actually driven afford fewer chances for an accident to occur. Low mileage discounts are now quite common.
  • Limit your policy By limiting your auto insurance policy to cover only certain drivers, you will keep your premiums lower.
  • Increase security For starters, keep your vehicle in a secured area, off the street. Additionally, outfitting your car with a security system will also afford you with a lower insurance rate.

More discounts are available to help you lower the high cost of coverage. After you do this, you need to focus on improving the negative factors on your record.

There is a great amount of competition for insurance customers on the internet, and online policies reflect this; even for car insurance for convicted drivers.

Enter your zip code below for free car insurance quotes from multiple providers!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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