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 State Farm, followed by Geico and Travelers.

CompanyAvg annual premiumAvg monthly premium
State Farm$1,466$122
Geico$1,587$132
Travelers$1,789$149
American Family$1,847$154
Nationwide$1,868$156
Farmers$2,215$185
Auto-Owners$2,453$204
Progressive$2,661$222
Allstate$2,917$243
USAA$1,167$97
Data updated in 2024
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Average rates for high-risk drivers in Indiana by driving record

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

Indiana
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentDUI/DWI first offensePoor creditReckless drivingSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limit
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Indiana, IN is $2,007
Show Graph View
Company nameAverage 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
Average annual rate
Data updated in 2024
Read our full methodology

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 State Farm with an average annual of $1,334 a year.

CompanyAvg annual premiumAvg monthly premium
State Farm$1,334$111
Geico$1,683$140
American Family$1,706$142
Travelers$1,803$150
Progressive$2,125$177
Farmers$2,274$190
Nationwide$2,309$192
Allstate$2,891$241
Auto-Owners$3,263$272
USAA$1,256$105
Data updated in 2024
Read our full methodology

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 State Farm. It offers full coverage insurance at $1,159 per year or $97 monthly.

CompanyAvg annual premiumAvg monthly premium
State Farm$1,159$97
Geico$1,623$135
American Family$1,706$142
Travelers$1,724$144
Nationwide$1,737$145
Auto-Owners$1,911$159
Farmers$2,056$171
Progressive$2,642$220
Allstate$2,879$240
USAA$1,015$85
Data updated in 2024
Read our full methodology

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, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,334 a year.

CompanyAvg annual premiumAvg monthly premium
State Farm$1,334$111
Travelers$1,803$150
Geico$1,895$158
Nationwide$2,309$192
American Family$2,346$196
Farmers$2,449$204
Allstate$2,891$241
Progressive$3,145$262
Auto-Owners$3,263$272
USAA$1,106$92
Data updated in 2024
Read our full methodology

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 $1,078 or $90 per month.

CompanyAvg annual premiumAvg monthly premium
Geico$1,078$90
Nationwide$1,382$115
American Family$1,911$159
Travelers$1,958$163
Farmers$2,401$200
Auto-Owners$2,463$205
State Farm$2,650$221
Progressive$2,769$231
Allstate$3,083$257
USAA$1,594$133
Data updated in 2024
Read our full 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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