Indiana OWI and insurance: How much does an OWI raise your insurance?

Does a OWI raise car insurance rates in Indiana?

With a clean driving record, car insurance in Indiana costs $1,515. However, after a OWI, the average rate rises to $2,650, which is $1,135 higher.

Auto insurers raise premiums significantly when they view you as a high-risk driver. If you receive multiple OWIs, average rates rise sharply to $4,175.

How much does a OWI raise your insurance in Indiana?

The most affordable insurer after a OWI is Progressive, offering average annual rates of $1,830. The second-lowest option is Travelers, which costs $115 more than Progressive. State Farm provides the third-cheapest car insurance rates for drivers 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	$1,480	$1,830	$3,709
Travelers	$1,264	$1,945	$2,795
State Farm	$1,616	$2,007	$3,833
GEICO	$986	$2,384	$3,415
Nationwide	$1,309	$2,770	$3,887
Auto-Owners	$1,188	$2,872	$6,123
Allstate	$2,324	$2,976	$3,901
Farmers	$1,956	$3,964	$5,850
USAA	$783	$1,233	$1,413

Read our methodology

PEOPLE ASK:

What happens when you get a DUI in Indiana?

If you're convicted of a DUI in Indiana, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and OWI will stay on your record for life.

If someone gets a OWI in your car, does it go on your insurance?

In most situations, insurance follows the vehicle rather than the driver, so your auto insurance rates won't increase because the OWI will not show up on your driving record.

However, your premiums may increase if your vehicle is involved in a crash resulting from a OWI. Your car may also be held as a crime scene after the incident, which means you won't be able to access it until the police have cleared it.

How long does a OWI affect your insurance in Indiana?

While a OWI may remain on your driving record forever, it doesn't affect rates forever. A OWI affects Indiana car insurance and stays on your record for life. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, 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 DUI, you may consider shopping for new coverage to compare rates.

How much does a OWI raise insurance by age group?

Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a OWI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a OWI is $5,110.

Below are the cheapest insurers after a OWI for each age group:

For teens: Progressive has the most affordable rate at $5,110.
For young adults: Travelers offers the lowest-priced coverage for young adults at $2,157.
For adults: Progressive provides the best rate, averaging $1,830.
For seniors: Progressive delivers the cheapest average rate at $1,776.

This table illustrates how a OWI affects car insurance rates across different age groups.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Progressive	$4,355	$5,110	$755	17%
Travelers	$3,640	$5,209	$1,569	43%
State Farm	$4,408	$5,602	$1,194	27%
Nationwide	$4,567	$5,978	$1,411	31%
GEICO	$2,908	$6,466	$3,558	122%
Allstate	$4,801	$6,485	$1,684	35%
Auto-Owners	$2,998	$8,179	$5,181	173%
Farmers	$7,411	$15,508	$8,097	109%
USAA	$1,691	$2,749	$1,058	63%

How much does a OWI raise your insurance in your city?

The most affordable city in Indiana for car insurance after a OWI is Granger, while the most expensive is Gary, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $3,793. Where you live affects your insurance costs even without a OWI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A OWI then pushes those already high rates even higher.

This table shows the average car insurance rates after a OWI by city. Comparing rates in both large cities and rural areas can help you see how your location affects your premiums.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Bloomington	$1,485	$2,566	$1,081	73%
Dyer	$1,610	$2,811	$1,201	75%
Fort Wayne	$1,447	$2,503	$1,056	73%
Gary	$2,110	$3,793	$1,683	80%
Granger	$1,398	$2,427	$1,029	74%
Griffin	$1,530	$2,630	$1,100	72%
Indianapolis	$1,627	$2,892	$1,265	78%
Lawrence	$1,567	$2,724	$1,157	74%
Munster	$1,649	$2,877	$1,228	74%

Read our methodology

How to get car insurance after a OWI in Indiana

Insurers will consider you a high-risk driver after a OWI, but you can still get car insurance. Finding the right coverage after a OWI conviction may take some extra effort.

If you already have car insurance and receive a OWI, your insurer will likely keep your policy active. However, your premiums will rise when it's time to renew.

If you need car insurance after a OWI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Indiana, as each company sets its own rates after a OWI.

Indiana OWI insurance requirements and penalties

A OWI in Indiana means you must meet specific high-risk driver requirements. In Indiana, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.

A OWI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.

The table below highlights Indiana OWI laws and the penalties for both first-time and repeat 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

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*BAC is blood alcohol concentration

How long after a OWI does your insurance go down?

A OWI affects car insurance rates for at least three years, although the timeframe varies by state. In some states, like California, a OWI can impact your premiums for as long as 10 years.

In Indiana, drivers can expect higher car insurance rates after a OWI and expect it to stay on their record for life.

Tips to save money after a OWI

A OWI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a OWI.

Ways Indiana drivers can save on car insurance after a OWI include:

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

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

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:

One and two OWI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

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.