Cheapest car insurance for high-risk drivers in Indiana

Cheapest car insurance in Indiana for a bad driving record

If you have a poor driving record in Indiana, Travelers, Nationwide, GEICO are the cheapest options. Travelers has the lowest annual rate at $1,922 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay 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

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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 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

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Cheapest car insurance in Indiana with multiple tickets

The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $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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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

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Cheapest car insurance in Indiana with bad credit

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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Cheapest car insurance after an accident in Indiana

Auto-Owners has the lowest rates after an accident at $1,518 a year. Travelers also has affordable rates at $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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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

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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:

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.

Indiana car insurance laws for high-risk drivers

If you're a high-risk driver in Indiana, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage 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: