Cheapest car insurance for high-risk drivers in Indiana

Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Indiana is USAA, followed by State Farm and Geico.

Company	Avg Annual Premium	Avg Monthly Premium
USAA	$1,413	$118
State Farm	$1,818	$152
Geico	$1,866	$155
Travelers	$2,088	$174
American Family	$2,150	$179
Nationwide	$2,234	$186
Farmers	$2,701	$225
Progressive	$3,302	$275
Allstate	$3,405	$284
Auto-Owners	$3,554	$296

Average rates for high-risk drivers in Indiana by driving record

Average cost of car insurance in Indiana for high-risk driver

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

State

Risk Factor

Average annual car insurance rate for At-fault bodily injury accident in Indiana, IN is $2,007

Show Graph View

Company name	Average annual premium
USAA	$1,221
American Family	$1,251
State Farm	$1,455
Geico	$1,609
Auto-Owners	$1,704
Travelers	$1,725
Nationwide	$1,799
Farmers	$2,327
Progressive	$3,302
Allstate	$3,676

Cheapest car insurance with a DUI

A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Indiana for a driver with a DUI is USAA with an average annual of $1,262 a year.

Company	Avg Annual Premium	Avg Monthly Premium
USAA	$1,262	$105
State Farm	$1,334	$111
Geico	$1,605	$134
American Family	$1,744	$145
Travelers	$1,851	$154
Progressive	$2,107	$176
Farmers	$2,233	$186
Nationwide	$2,310	$193
Allstate	$2,891	$241
Auto-Owners	$3,263	$272

Cheapest car insurance with multiple tickets

While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Indiana, the cheapest car insurance with multiple tickets is from USAA. It offers full coverage insurance at $1,198 per year or $100 monthly.

Company	Avg Annual Premium	Avg Monthly Premium
USAA	$1,198	$100
State Farm	$1,247	$104
Geico	$1,595	$133
Nationwide	$1,732	$144
American Family	$1,904	$159
Travelers	$1,914	$159
Farmers	$2,438	$203
Auto-Owners	$2,757	$230
Allstate	$3,011	$251
Progressive	$3,173	$264

Cheapest car insurance with a reckless driving conviction

Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Indiana, USAA offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,111 a year.

Company	Avg Annual Premium	Avg Monthly Premium
USAA	$1,111	$93
State Farm	$1,334	$111
Travelers	$1,851	$154
Geico	$1,853	$154
Nationwide	$2,310	$193
American Family	$2,401	$200
Farmers	$2,408	$201
Allstate	$2,891	$241
Progressive	$3,120	$260
Auto-Owners	$3,263	$272

Cheapest car insurance with bad credit

Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Indiana is Geico with an average annual cost of $1,036 or $86 per month.

Company	Avg Annual Premium	Avg Monthly Premium
Geico	$1,036	$86
Nationwide	$1,381	$115
USAA	$1,603	$134
American Family	$1,954	$163
Travelers	$2,007	$167
Farmers	$2,330	$194
Auto-Owners	$2,463	$205
State Farm	$2,650	$221
Progressive	$2,740	$228
Allstate	$3,083	$257

Methodology

Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.

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