Can you get car insurance if you file for bankruptcy?

Written by:

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.

Reviewed by:

Laura Longero

Executive Editor

Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.

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Insurance companies vary and you will likely have to shop around to find the coverage you need. Your insurance premiums will likely be higher than those without a bankruptcy on their record or those with better credit reports.

Insurance rates are not purely calculated based on credit history. There are other rating factors such as where you live, the type of car, driving record, etc. The goal of getting this information is to correlate the insurance premium rate as closely as possible with the actual cost of potential claims.

If you would like to comparison shop now and see if you can find a lower auto insurance rate you can do that here. If you have difficulty in your state finding an auto insurance company to provide you coverage with a bankruptcy on your record, then contact your state’s insurance regulator for help obtaining the car insurance you need for your vehicle.

— Michelle Megna contributed to this story.

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Shivani Gite

Contributing Writer