Car Insurance for Youthful Offenders

Car insurance for youthful offenders depends on the categorization and the definition of a youthful offender where you live. The specific categorization could cause car insurance rates to increase.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Jan 26, 2021

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Here's what you need to know...

  • A youthful offender means a young driver who has been convicted of a crime such as murder, robbery, or rape
  • The definition of a youthful offender varies according to the state in which you live
  • A youthful offender categorization will certainly cause your insurance rates to increase for a time

A youthful offender refers to an underage driver who has been accused of a crime. In this definition, crime refers to murder, manslaughter, robbery, rape or assault.

Young offenders are processed through juvenile court and may stay in a juvenile detention center if convicted.

Once a young person turns eighteen years of age, he will be tried as an adult. In terms of law, a youthful offender gets a much better deal than a convicted adult felon.

Children cannot get the death penalty, cannot receive a maximum sentence beyond the 25th birthday, and usually qualify for early release and probation.

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Today’s Youthful Offender Effect

Understand that the average teenager’s car insurance rates are already unusually high because of the teen’s lack of experience and lack of discipline in comparison with an adult.

Naturally, a youthful offender who has a criminal record can expect a severe penalty in car insurance premiums.

However, the youthful offender is not seen in the same light as an adult convict. A community that sentences the youth to juvenile hall believes he can be reformed into a model citizen.

Know that the definition of a youthful offender can vary from state to state.

The state has the right to label someone an offender, even if he just commits a misdemeanor, and the state has the right to discharge the offender and dismiss the criminal charges if rehabilitation proves successful.

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Youthful Offender Effect on Car Insurance Premiums

If you have any criminal or misdemeanor charges on your record, you must divulge this to the car insurance company.

There is no use hiding this information since the insurance company has the right to search your driving records and criminal records.

The obvious fact is that your rates will increase once you have a criminal record. The precise amount of increase depends on the variables your insurance provider uses.

There is no standardized rate of increase, and different insurance providers may use variable tools in calculating a rate increase.

However, the insurance company is required to file the rates and rules with your state’s regulatory body, so you can count on legal protection from illegal increases.

Contact your insurance regulator of the state or talk to the insurance company directly about youthful offender effects.

How to Overcome the Youthful Offender Effect

The youthful offender status on your report is damaging and, for a while, you will have to pay above average rates as a way to earn back your community’s trust.

Eventually, however, you can live this incident down. If you enter a rehabilitation program, you may even be able to get the crime or misdemeanor dropped from your record.

However, if your insurance company refuses to relent on their high rates, even years after your debt has been paid, then it’s time to look for a new insurance provider.

If local insurance providers are unwilling to reason, then perhaps it’s time you look for an insurance provider that specifically works with ex-youthful offenders.

Do not feel discouraged. You can find youthful offender effects on car insurance right now by using our web comparison tool. Simply enter your zip code right now!



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

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