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Car insurance with a criminal record

Even if you've got a criminal record you can still get covered. Here's how to keep the costs down.


Fact checked

If you've got a criminal record and need car insurance you might be struggling to find cover - but rest assured that it is possible to find car insurance.

Some quick tips:

You can still get insurance if you've got a criminal record. Here are some quick tips that may increase your chances of finding an insurer that will cover you:

    • Many insurers will generally cover you if you have a criminal record like a drink driving conviction, provided you don't have any other convictions related to fraud, theft, and dishonesty.
    • It's a good idea to steer clear of any of the notoriously cheaper insurers. They tend to keep their premiums down by avoiding covering high-risk drivers.
    • Consider undertaking a safe driving course or installing an interlock system - insurers look upon efforts like these favourably.

You can still get cover even if you have a criminal record

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Youi Comprehensive
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in their policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also have a live chat feature on their site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Coles Comprehensive
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Bingle Comprehensive
Finder's summary: Bingle consistently come up as one of the cheaper insurers out there. They only cover the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and you won't get a hire car if your car is stolen. But this keeps their premiums low.

Who it might be good for: Someone who wants a low cost option that covers them for the basics.
Virgin Comprehensive
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. You'll get 15% off when you buy online and get access to their hail hero service.

Who it might be good for: People who want a comprehensive policy that's affordable.
Poncho Comprehensive
Finder's summary: Poncho works like a monthly subscription - you pay monthly and can cancel and leave at anytime. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who only need cover for a short period of time.
Real Comprehensive
Agreed or Market
Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.
Kogan Comprehensive
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include but you'll also be entitled to some benefits on their online store. This usually comes in the form of a gift voucher or discount if you buy online. Plus, Kogan offer a pay as you drive option, which could be good if you're not on the road that much.

Who it might be good for: Kogan shoppers and those that don't drive much.

Compare up to 4 providers

Car insurance companies that don't ask for criminal convictions

All companies ask if you have any criminal convictions. However, this doesn't mean you can't get covered. In fact, unless your conviction has something directly to do with driving a car, such as theft or fraud, you should be able to find car insurance.

It's likely that your car insurance will cost you more but it really depends on the insurer and any prior convictions. If you're struggling to get covered by mainstream car insurers, you should be able to get cover with a specialist provider or broker. While they will typically cost you more - even if the conviction isn't for an offence related to driving - it's a good option for those who are struggling to find cover elsewhere.

Can car insurance companies see my driving or criminal record?

“...nobody can go to the RMS and get a copy of your record without a subpoena," Andrew Tiet, partner at Armstrong Legal, NSW

According to a legal professional who spoke to CarsGuide, nobody can access your record without an appropriate subpoena, including insurers.

Instead, they can ask you to provide this information and require you to be honest about it as a condition of your car insurance policy.

If you decline to provide the information, they might decline to offer you cover, and if you’re found to be dishonest about it later on, they may be able to cancel your policy, raise the price or decline a claim.

The last thing you want to do is take out a car insurance policy without being honest in the application. This might just lead to you paying for a policy that won’t pay out when you need it.

Being honest about your history is the safest bet.

How to check your own driving history

You’ll need to know your own driving history before you can be honest, but you can access your own record easily enough in Australia.

  • In NSW - Contact the RMS, pay the fee and get the record.
  • In QLD - Contact the DTM, pay the fee and get the record.
  • In VIC - You can order a five-year or lifetime record from VicRoads.
  • In SA - You can apply to have your driving record posted to you.
  • In WA - Get a five-year record from the WA Police website.
  • In NT - You can get a history of fines and offences from the motoring authority, but convictions are only obtainable from the NT Police.
  • In TAS - Access a five-year history through the motoring authority
  • In the ACT - Choose between a 3-, 5- or 10-year history from the motoring authority

How does a criminal record affect car insurance?

It all depends on the offences and the insurer. For example, some insurers will barely increase premiums for people with DUI convictions, while others will refuse to cover them at all.

It doesn’t have to be a criminal offense either. Minor infringements, such as a parking ticket, can also impact your car insurance as can many other factors.

If you’re having trouble finding affordable cover, the key is to shop around as much as possible and keep going until you find a good option.

Other than that, you can look for ways to cut down the price.

  • Shop around. It might be a pain, but sometimes doing the legwork is the only way. This list of Australian car insurance providers is a good place to start.
  • Consider your cover. You probably don’t want to end up underinsured, but adjusting your cover can help lower the price. You might opt out of the optionals, go for market value rather than agreed value cover or look for third-party property damage cover rather than comprehensive car insurance.
  • Consider your vehicle. Cheaper cars usually mean much cheaper insurance. If you’re in a real bind, you might do your wallet a big favour by downgrading.

When else will I need to provide my record?

Certain motoring jobs may also require you to provide your criminal record or have a background check.

Lying about your record can be a very serious criminal offence, and an offence like that probably won’t make things any easier.

It’s also worth remembering that just because someone requests your record or conducts a background check, that doesn’t mean they’ll automatically disqualify someone if they find anything. With car insurance and other things, it might be useful to provide a convictions record when requested.

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4 Responses

  1. Default Gravatar
    Dale jonesJuly 13, 2018

    Hi there.
    I have a criminal conviction.
    I am in need of car insurance. Can you tell me who insures people with criminal convictions??

    Kind regards

    • Default Gravatar
      NikkiJuly 13, 2018

      Hi Dale!

      Thanks for getting in touch! I understand you’re interested in car insurance.

      Generally, lenders would need proper legal documentation such as a subpoena to submit to the RMS and ask for your record. Given this, it’s not easy for them to get information on criminal records. Good news is there is still hope of finding a car insurance for you even if you have a criminal record. It helps that all relevant information is fully disclosed to the lender to save you the trouble in the future.

      The information above shows a list of providers who may be able to approve you of one given your situation. You are free to peruse through the page and should you have any questions, please come back to us.

      Hope this clarifies.

      Best regards,

  2. Default Gravatar
    Anne-MarieJune 7, 2018

    My son is 18 years old and is looking for third party insurance for his vehicle but has a criminal charge we have tried several insurance companies but finding it extremely hard to get insurance

    • Default Gravatar
      JoelJune 7, 2018

      Hi Anne-Marie,

      Thanks for leaving a question on finder.

      Here are the steps to get covered if insurance providers consider you as “high-risk”. Please go this page to read the guide and compare from providers who may insure you depending on your son’s record.


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