- Cheapest car insurance in Indiana for a bad driving record
- How much is high-risk car insurance in Indiana?
- Cheapest car insurance in Indiana with a DUI
- Cheapest car insurance in Indiana with multiple tickets
- Cheapest car insurance in Indiana with a reckless driving conviction
- Cheapest car insurance in Indiana with bad credit
- Cheapest car insurance after an accident in Indiana
- Cheapest car insurance in Indiana by city
- How to reduce car insurance rates in Indiana for a bad driving record
- Indiana car insurance laws for high-risk drivers
- Methodology
- Compare Indiana high-risk driver car insurance rates with other states
Cheapest car insurance in Indiana for a bad driving record
Drivers with a poor record in Indiana will find the lowest rates from Travelers, Nationwide and GEICO. Among these, Travelers provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,922 annually.
If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Travelers | $1,264 | $1,922 |
| Nationwide | $1,309 | $2,239 |
| GEICO | $986 | $2,245 |
| Progressive | $1,480 | $2,317 |
| Auto-Owners | $1,188 | $2,598 |
| State Farm | $1,616 | $2,733 |
| Allstate | $2,324 | $3,024 |
| Farmers | $1,956 | $3,527 |
| USAA | $783 | $1,144 |
How much is high-risk car insurance in Indiana?
In Indiana, the average cost of high-risk car insurance is $2,577 per year. However, you may secure coverage from Travelers for as low as $1,922 annually. Even with a problematic driving record or poor credit score, affordable policies are available.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $783 | $1,191 |
| Auto-Owners | $1,188 | $1,518 |
| Travelers | $1,264 | $1,863 |
| State Farm | $1,616 | $1,955 |
| Nationwide | $1,309 | $2,150 |
| GEICO | $986 | $2,280 |
| Progressive | $1,480 | $2,911 |
| Farmers | $1,956 | $3,655 |
| Allstate | $2,324 | $3,725 |
PEOPLE ASK:
Who is considered high-risk for insurance in Indiana?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Indiana with a DUI
Although many insurance companies provide coverage after a DUI, Progressive offers the most affordable rate at $1,830 a year.
Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.
The table below compares average car insurance premiums in Indiana for drivers with a clean record versus those with a DUI.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| Progressive | $1,480 | $1,830 |
| Travelers | $1,264 | $1,945 |
| State Farm | $1,616 | $2,007 |
| GEICO | $986 | $2,384 |
| Nationwide | $1,309 | $2,770 |
| Auto-Owners | $1,188 | $2,872 |
| Allstate | $2,324 | $2,976 |
| Farmers | $1,956 | $3,964 |
| USAA | $783 | $1,233 |
Cheapest car insurance in Indiana with multiple tickets
For drivers with multiple tickets, State Farm offers the lowest premiums, averaging $1,746 per year or $146 per month.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Indiana how much having multiple tickets can raise their insurance premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $1,616 | $1,746 |
| Travelers | $1,264 | $1,863 |
| Auto-Owners | $1,188 | $1,951 |
| Nationwide | $1,309 | $2,079 |
| GEICO | $986 | $2,295 |
| Progressive | $1,480 | $2,301 |
| Allstate | $2,324 | $2,967 |
| Farmers | $1,956 | $2,968 |
| USAA | $783 | $990 |
Cheapest car insurance in Indiana with a reckless driving conviction
Travelers has the cheapest rates for drivers with reckless driving convictions at $1,945 a year.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| Travelers | $1,264 | $1,945 |
| State Farm | $1,616 | $2,007 |
| Progressive | $1,480 | $2,686 |
| GEICO | $986 | $2,689 |
| Nationwide | $1,309 | $2,770 |
| Auto-Owners | $1,188 | $2,872 |
| Allstate | $2,324 | $2,976 |
| Farmers | $1,956 | $4,063 |
| USAA | $783 | $1,083 |
Cheapest car insurance in Indiana with bad credit
In Indiana, GEICO provides the lowest premiums for drivers with poor credit, averaging $1,515 per year or $126 per month. Even with a low credit score, you can still find affordable auto insurance.
While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.
Check the table below to see how credit scores impact car insurance costs in Indiana.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| GEICO | $986 | $1,515 |
| Nationwide | $1,309 | $1,660 |
| Travelers | $1,264 | $2,055 |
| Progressive | $1,480 | $2,478 |
| Allstate | $2,324 | $3,289 |
| Auto-Owners | $1,188 | $3,344 |
| Farmers | $1,956 | $4,231 |
| State Farm | $1,616 | $7,147 |
| USAA | $783 | $1,580 |
Cheapest car insurance after an accident in Indiana
Auto-Owners offers the lowest rates after an accident, averaging $1,518 per year. Travelers is another budget-friendly option, with rates around $1,812 a year.
Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.
This table shows car insurance rates for drivers with a clean record, a single at fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Auto-Owners | $1,188 | $1,518 | $2,276 |
| Travelers | $1,264 | $1,812 | $2,343 |
| State Farm | $1,616 | $1,955 | $2,383 |
| Nationwide | $1,309 | $2,150 | $2,932 |
| GEICO | $986 | $2,280 | $4,057 |
| Progressive | $1,480 | $2,911 | $4,631 |
| Farmers | $1,956 | $3,655 | $6,652 |
| Allstate | $2,324 | $3,725 | $4,641 |
| USAA | $783 | $1,191 | $1,813 |
Cheapest car insurance in Indiana by city
Granger has the cheapest car insurance rates in Indiana at $2,362 per year. But the most expensive city is Gary with rates of $3,656 per year.
Your location in Indiana also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Granger | $1,398 | $2,362 |
| Fort Wayne | $1,447 | $2,446 |
| Bloomington | $1,485 | $2,504 |
| Griffin | $1,530 | $2,576 |
| Lawrence | $1,567 | $2,659 |
| Dyer | $1,610 | $2,733 |
| Indianapolis | $1,627 | $2,791 |
| Munster | $1,649 | $2,798 |
| Gary | $2,110 | $3,656 |
How to reduce car insurance rates in Indiana for a bad driving record
Finding affordable car insurance in Indiana is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Indiana?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Indiana car insurance laws for high-risk drivers
If you're a high-risk driver in Indiana, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.
An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high risk drivers or handle SR-22 filings.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined $53M insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare Indiana high-risk driver car insurance rates with other states
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