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
- Average rates for high-risk drivers in Indiana by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
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.
| Company | Avg Annual Premium | Avg 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
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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.
