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Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.

The average rate for high-risk car insurance in Indiana is $1,413. High-risk drivers in Indiana can expect to pay between $2,060 and $3,239 for car insurance depending on the reason for the rate increase.

The cheapest insurance in Indiana for high-risk drivers is, on average, USAA, however, it will vary based on your exact situation.

If you’re a high-risk driver, finding cheap car insurance in Indiana will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.

Key takeaways

  • The average cost of high-risk car insurance in Indiana is $1,413, but it varies depending on what’s on your record.
  • The average car insurance rate for a driver with a DUI in Indiana is $1,262, while a driver with a reckless driving conviction pays $1,111 on average.
  • Bad credit can also land you in the high-risk category, with an average rate of $1,036 in Indiana.

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 USAA, followed by State Farm and Geico.

CompanyAvg Annual PremiumAvg Monthly Premium
USAA$1,413$118
State Farm$1,818$152
Geico$1,866$155
Travelers$2,088$174
American Family$2,150$179
Nationwide$2,234$186
Farmers$2,701$225
Progressive$3,302$275
Allstate$3,405$284
Auto-Owners$3,554$296

Average rates for high-risk drivers in Indiana by driving record

Average cost of car insurance in Indiana for high-risk driver

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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 USAA with an average annual of $1,262 a year.

CompanyAvg Annual PremiumAvg Monthly Premium
USAA$1,262$105
State Farm$1,334$111
Geico$1,605$134
American Family$1,744$145
Travelers$1,851$154
Progressive$2,107$176
Farmers$2,233$186
Nationwide$2,310$193
Allstate$2,891$241
Auto-Owners$3,263$272

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 USAA. It offers full coverage insurance at $1,198 per year or $100 monthly.

CompanyAvg Annual PremiumAvg Monthly Premium
USAA$1,198$100
State Farm$1,247$104
Geico$1,595$133
Nationwide$1,732$144
American Family$1,904$159
Travelers$1,914$159
Farmers$2,438$203
Auto-Owners$2,757$230
Allstate$3,011$251
Progressive$3,173$264

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, USAA offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,111 a year.

CompanyAvg Annual PremiumAvg Monthly Premium
USAA$1,111$93
State Farm$1,334$111
Travelers$1,851$154
Geico$1,853$154
Nationwide$2,310$193
American Family$2,401$200
Farmers$2,408$201
Allstate$2,891$241
Progressive$3,120$260
Auto-Owners$3,263$272

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 $1,036 or $86 per month.

CompanyAvg Annual PremiumAvg Monthly Premium
Geico$1,036$86
Nationwide$1,381$115
USAA$1,603$134
American Family$1,954$163
Travelers$2,007$167
Farmers$2,330$194
Auto-Owners$2,463$205
State Farm$2,650$221
Progressive$2,740$228
Allstate$3,083$257

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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