Cheapest car insurance for high-risk drivers in Indiana

Which company has the cheapest car insurance in Indiana for a bad driving record?

Travelers, Nationwide, GEICO provides affordable car insurance for high-risk drivers with bad driving record in Indiana.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

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

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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.

Average annual car insurance rate for At-fault bodily injury accident in Indiana, IN is $2,512

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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

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Average annual rate

PEOPLE ASK:

Who is considered a high-risk driver 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.

What company offers the cheapest car insurance in Indiana after a DUI?

While many insurers offer coverage after a DUI, Progressive provides the average cheapest coverage for $1,830 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in Indiana.

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

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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

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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Indiana?

Travelers offers the most affordable rates for drivers with reckless driving convictions, averaging $1,945 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those 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

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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Company has the cheapest car insurance for drivers with bad credit in Indiana?

The cheapest Indiana insurer for bad credit is GEICO, with rates averaging $1,515 annually or $126 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistically, drivers with a low credit score fit that description.

Check out the table below to see how your credit score affects Indiana car insurance.

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

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What company has the cheapest car insurance in Indiana after an accident?

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

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Key insight

Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Indiana?

In Indiana, the lowest car insurance rates are found in Granger, averaging $2,362 annually. On the other hand, Gary has the highest rates at $3,656 a year.

Where you live in Indiana matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood 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

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How can high-risk drivers lower their car insurance rates in Indiana?

Finding affordable car insurance in Indiana is possible, even with a bad driving record. Ways to lower car insurance rates include:

Where you live in Indiana also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

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.

What are Indiana's insurance requirements 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: