Cheapest car insurance for high-risk drivers in Indiana

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

Travelers offers the cheapest average car insurance rate for high-risk drivers in Indiana at $1,922 a year. Nationwide and GEICO also provide below-average rates for drivers with traffic violations, accidents or other risk factors.

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?

Progressive has the cheapest average DUI insurance rates in Indiana at $1,830 per year. Drivers with a DUI often see some of the largest premium increases because insurers consider a bad driving record a major risk factor.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Keep reading as we break down high-risk car insurance factors and rates.

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?

Drivers in Indiana are considered high-risk if they have a DUI, multiple speeding tickets, at-fault accidents, reckless driving convictions, insurance lapses, an SR-22 requirement or a poor driving history. Teen drivers and new drivers also often pay higher premiums. Insurance companies use different rating formulas, so classifications vary by insurer.

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

Progressive offers the cheapest average rates after a DUI in Indiana 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

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What is the cheapest car insurance in Indiana with multiple tickets?

State Farm offers the lowest average rates for drivers with multiple traffic tickets at $1,746 annually or $146 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Indiana drivers how much multiple tickets increase 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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Expert's Insight Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

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

Travelers has the cheapest average reckless driving insurance rates in Indiana at $1,945 per year. Reckless driving convictions often result in substantial premium increases and fewer coverage options.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

The table below compares car insurance rates for drivers with a clean driving record and 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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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which 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 per year or $126 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing 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 statistics show that drivers with lower credit scores are in this category.

Check 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 has the cheapest average rates after an accident at $1,518 per year. Travelers also offers lower-than-average rates at $1,812 annually.

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

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

Granger has the cheapest average high-risk car insurance rates in Indiana at $2,362 annually. In comparison, Gary has the highest average premiums at $3,656 per 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?

High-risk drivers in Indiana can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.

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.
Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
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 Indiana 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:

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

FAQ: High-risk car insurance in Indiana

Can high-risk drivers get full coverage car insurance in Indiana?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Indiana?

Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.