- 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 State Farm, followed by Geico and Travelers.
Company | Avg annual premium | Avg 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 |
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.
Company name | Average 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 |
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.
Company | Avg annual premium | Avg 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 |
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.
Company | Avg annual premium | Avg 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 |
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.
Company | Avg annual premium | Avg 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 |
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.
Company | Avg annual premium | Avg 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 |
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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