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Do I have to declare a criminal record for car insurance?

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Things to know...
  • There is no requirement that you have to declare a criminal record in order to find auto insurance coverage
  • In general, auto insurance companies are only interested in any offenses that pertain to your driving, such as a DUI
  • If you have been convicted of a DUI, you may have to comply with various state laws in order to show that you are financially responsible for maintaining insurance
  • When you answer questions on the car insurance application, it is always best to be truthful because the auto insurance company may use knowingly false answers on your insurance application as a reason to deny your coverage
  • If you have been involved in a crime involving your driving, such as a DUI, this information could be discovered by the car insurance company during the underwriting process and will affect the price that you have to pay for auto insurance coverage

It is very unlikely that an application for car insurance coverage will ask you to answer questions about your criminal record.

The only type of criminal offenses that your car insurance company actually cares about in providing you coverage are those that involve your driving. This is because car insurance companies are assessing the risk that you are as a driver.

If you have any criminal convictions involving driving, such as a DUI, this may be relevant in terms of the price that you pay for auto insurance.

Having a conviction for a DUI could also make it more difficult for you to obtain car insurance at a reasonable price through the traditional channels.

However, you are still required under the laws of almost every state in the country to maintain valid auto insurance in order to drive legally.

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Questions on the Application for Car Insurance Coverage

AdobeStock_57674668-1600x1600When you are applying for car insurance coverage, there will be some basic information that is required from the insurance provider in order to get you a quote on car insurance.

This typically consists of the following:

  • your personal contact information
  • the type of car you drive
  • your home address
  • the vehicle identification number (VIN) of your car or truck
  • the names of any other people who live in your household
  • your driver’s license number

The auto insurance company verifies the information you provide during the underwriting process. This is how the insurance company determines the price that you will pay for auto insurance coverage.

When the auto insurance company looks into your driving record and history, it will be able to tell if you have been convicted of a DUI.

Depending on the laws of the state that you live in, auto insurance companies may not be able to consider driving offenses after a certain number of years have passed since the incident in terms of evaluating your driving record for coverage.

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Getting Car Insurance Coverage After Being Convicted of a DUI Offense

If you are dealing with the aftermath of a DUI, you are probably very concerned about expenses adding up quickly and the price that you will be stuck with paying for auto insurance coverage.

While it is true that having a DUI on your recent driving record will mean that your auto insurance rates will go up, the amount by which they increase will vary widely according to the auto insurance company that is providing you with a quote.

This is why it is more crucial than ever that you take the time to really shop around for a reasonable quote on an auto insurance policy after receiving a DUI conviction.

If you find out that your auto insurance rates increase with your current insurance provider by an unreasonable amount after you have a DUI on your record, then this is a good reason to shop around for other options.

The reason that many insurance companies bump up your rates after a DUI conviction is that you are considered a much higher risk of a driver.

The same is not true for other crimes that do not involve driving because they do not speak to the risk that you pose on the road to yourself and other drivers.

The same is not true for other crimes that do not involve driving because they do not speak to the risk that you pose on the road to yourself and other drivers.

SR 22 Insurance Options for Drivers After a DUI Conviction

adobestock_26353245-1600x1600Some states have an SR 22 insurance requirement for drivers who are convicted of a DUI.

This is a way for the state to track the compliance of the convicted driver with financial responsibility laws and make sure that he or she is maintaining the appropriate amount of auto insurance.

This is a way for the state to track the compliance of the convicted driver with financial responsibility laws and make sure that he or she is maintaining the appropriate amount of auto insurance.

If you are in this situation, then you may want to consider if you can be added as an additional driver on someone else’s auto insurance policy.

By getting added to another policyholder’s auto insurance, you would be permitted to drive a car on that policy but would not have to have your own coverage. You may choose to only maintain the required liability coverage┬ábecause it is so expensive for you to be covered at all.

When time passes and the offense drops off of your record, you may want to see if it is financially possible to maintain your own auto insurance policy again.

At this point, you would also want to consider increasing the coverage limits so that you are not stuck in a tough situation with having to pay out of your own pocket if there are damages that you cause in a car accident.

The good news with this situation is that a DUI on your record will not affect your auto insurance rates forever. It is important in the short-term to do everything you can to avoid any additional traffic tickets and make safe choices in general as a driver.

The Last Thoughts on Having to Declare Criminal Record for Car Insurance Coverage

AdobeStock_19785939-1600x1600It is highly unlikely that your car insurance application would ask you about any criminal conviction other than those related to driving like a DUI. The reason for this is that the car insurance company is really only interested in evaluating the risk of each insured driver on the road.

As a result, your driving record and credit score are much more important factors in deciding the price you will pay for auto insurance coverage than any criminal record you may have.

If you do have a DUI on your recent criminal record, then you will want to shop around as much as possible for auto insurance quotes because your rates will likely be much more expensive. Do not jump at the first quote you are offered.

Compare car insurance quotes today and find one that fits into your budget.

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