Does a OWI raise car insurance rates in Indiana?
Yes. If you get a OWI in Indiana, your car insurance rates will go up because insurers see you as a higher risk. If you have a clean record, the average rate is $1,894. After one OWI, the average rate jumps to $3,391, an increase of $1,497.
Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple OWIs, average rates dramatically increase to $5,190.
How much does a OWI raise your insurance in Indiana?
The cheapest insurer after a OWI is Progressive, with rates averaging $1,771. The next cheapest insurer is Travelers, a difference of $496 from Progressive. GEICO has the third-most affordable car insurance rates with a OWI.
Not only is driving under the influence dangerous, but it's also expensive. You'll face hefty fines and increased car insurance rates for years. However, every company weighs a OWI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average car insurance rates after a OWI in Indiana.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| Progressive | $1,486 | $1,771 | $2,546 |
| Travelers | $1,457 | $2,267 | $3,605 |
| GEICO | $1,192 | $2,902 | $4,170 |
| Allstate | $2,679 | $3,478 | $4,612 |
| Farmers | $2,440 | $3,575 | $5,308 |
| Auto-Owners | $1,901 | $4,300 | $9,035 |
| Indiana Farm Bureau | $2,782 | $4,996 | $6,645 |
| Indiana Farmers Insurance | $2,203 | $5,435 | $8,668 |
| USAA | $911 | $1,767 | $2,033 |
People ask
What happens when you get a OWI in Indiana?
If you're convicted of a OWI in Indiana, the consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, and car insurance rates will increase for 7 years.
If someone gets a OWI in your car, does it go on your insurance?
If someone else gets a OWI while driving your car, the OWI goes on their driving record, not yours. Your insurance rates will not go up just because of their OWI. However, your rates could increase if that driver causes an accident and you file 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.. Your insurer may also review your policy if that person lives with you or regularly drives your car.
Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.
How long does a OWI affect your insurance in Indiana?
A OWI affects your car insurance rates in Indiana for about 7 years. However, the OWI may stay on your official driving record longer. Your rates will start to go down after a few years if you avoid new violations and keep continuous coverage.
Insurance companies check your driving record when setting your rates. Each company has its own rules for how long it considers a OWI.
If you keep a clean record, your rates should gradually decrease. Still, the exact timing depends on your insurer, state rules, and your overall driving history.
People ask
Will I have difficulty getting car insurance after a OWI?
It may be more challenging to find affordable car insurance after a OWI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a OWI, you may consider shopping for new coverage to compare rates..
How much does a OWI raise insurance by age group?
A OWI raises insurance rates for drivers of all ages, but younger drivers pay the most. Teens and young adults already have higher rates because they have less experience. After a OWI, the average rate for a teen is $4,969, but it varies by company.
These are the cheapest companies after a OWI by age:
- For teens: Progressive is the cheapest at $4,969.
- For young adults: Progressive offers the cheapest young adult coverage at $2,140.
- For adults: Progressive, with an average rate of $1,771.
- For seniors: Progressive has the most affordable average rate at $1,751.
This table shows how a OWI affects car insurance rates based on age group.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Progressive | $4,647 | $4,969 | $322 | 7% |
| Travelers | $4,463 | $6,367 | $1,904 | 43% |
| GEICO | $3,642 | $8,149 | $4,507 | 124% |
| Allstate | $5,997 | $8,169 | $2,172 | 36% |
| Indiana Farmers Insurance | $3,730 | $9,252 | $5,522 | 148% |
| Auto-Owners | $4,698 | $11,999 | $7,301 | 155% |
| Farmers | $9,693 | $12,550 | $2,857 | 29% |
| Indiana Farm Bureau | $8,192 | $15,034 | $6,842 | 84% |
| USAA | $2,498 | $4,064 | $1,566 | 63% |
How much does a OWI raise your insurance in your city?
A OWI will affect your insurance differently depending on your city in Indiana. Lafayette has the lowest average rate, while Hammond has the highest at $4,219, largely due to local risk factors. Insurers consider traffic levels, accident frequency, theft rates, weather risks and repair costs when setting premiums.
This table shows average OWI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % increase |
|---|---|---|---|---|
| Lafayette | $1,686 | $3,021 | $1,335 | 79% |
| Noblesville | $1,738 | $3,111 | $1,373 | 79% |
| Carmel | $1,753 | $3,144 | $1,391 | 79% |
| Fishers | $1,763 | $3,148 | $1,385 | 79% |
| Fort Wayne | $1,830 | $3,264 | $1,434 | 78% |
| South Bend | $1,868 | $3,310 | $1,442 | 77% |
| Bloomington | $1,860 | $3,320 | $1,460 | 78% |
| Evansville | $1,894 | $3,379 | $1,485 | 78% |
| Indianapolis | $2,113 | $3,765 | $1,652 | 78% |
| Hammond | $2,302 | $4,219 | $1,917 | 83% |
How to get car insurance after a OWI in Indiana
Insurers will label you as a high-risk driver, but you can still get car insurance after a OWI in Indiana. You can stay with your current insurer or look for companies that cover high-risk drivers. Start by checking if you need to file any state forms, then compare quotes from several insurers.
If you have car insurance and get a OWI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a OWI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Indiana, since each insurer offers different rates after a OWI.
Indiana OWI insurance requirements and penalties
A OWI in Indiana means you must meet specific requirements for high-risk drivers. In Indiana, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.
A OWI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Indiana OWI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | 0.15 |
| Administrative license suspension after a first offense | 180 days |
| Limited driving privileges during suspension | Available immediately |
| Ignition interlocks | Mandatory for repeat convictions |
| Open container laws | Yes |
| Repeat offender laws | No |
*BAC is blood alcohol concentration
How long after a OWI does your insurance go down?
Indiana drivers can expect to pay higher car insurance rates after a OWI for 7 years.
If you avoid new tickets, accidents, and lapses in coverage, your rates should improve over time. Still, the OWI can affect your eligibility for certain insurers or discounts even after your rate starts to drop.
It is a good idea to compare quotes at each renewal. Another insurer may offer a lower rate sooner than your current one.
Tips to save money after a OWI
You can save money after a OWI by actively managing your policy and improving your risk profile. The most effective ways include comparing quotes from multiple insurers, increasing your deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim., maintaining a clean driving record, and taking advantage of available discounts.
While your rates will remain higher for a period, these steps can significantly reduce how much you pay over time.
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
Insurance.com commissioned car insurance rates in all 50 states and Washington, D.C., through our data partner, Quadrant Information Services. 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.
Base rate averages are based on our full coverage data setand the following parameters:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Rates after a OWI
Indiana OWI insurance: Frequently asked questions
How far back do insurance companies look for a OWI?
OWIs can stay on your driving record for up to 10 years, depending on your state. Typically, a OWI stops affecting car insurance rates in three to five years.
Will my insurance drop me after a OWI in Indiana?
Most insurers won't drop you after one OWI, but rates will increase significantly. However, multiple OWIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Do you need an SR-22 after a OWI in Indiana?
Yes, you are required to obtain an SR-22 after a OWI in Indiana as proof that you carry the minimum insurance required by law. Your insurer files the form with the state. The filing fee is generally small, but the OWI conviction that triggered the requirement can substantially increase your premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods..
Can you get full coverage car insurance after a OWI?
Yes, you can get full coverage car insurance after a OWI, but it will generally cost more and fewer insurers may be willing to offer it. Full coverage includes liability, collision and comprehensive insurance. Comparing quotes from several companies can help you find the best coverage at a more affordable rate.
Compare Indiana DUI car insurance rates with other states
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