- Cheapest car insurance in Indiana for a bad driving record
- How much is high-risk car insurance in Indiana?
- Cheapest car insurance in Indiana with a DUI
- Cheapest car insurance in Indiana with multiple tickets
- Cheapest car insurance in Indiana with a reckless driving conviction
- Cheapest car insurance in Indiana with bad credit
- Cheapest car insurance after an accident in Indiana
- Cheapest car insurance in Indiana by city
- How to reduce car insurance rates in Indiana for a bad driving record
- Indiana car insurance laws for high-risk drivers
- Compare Indiana high-risk driver car insurance rates with other states
Cheapest car insurance in Indiana for a bad driving record
Travelers, Nationwide, Geico provides affordable car insurance for high-risk drivers with bad driving record in Indiana.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Travelers | $1,264 | $1,922 |
| Nationwide | $1,309 | $2,239 |
| Geico | $986 | $2,245 |
| Progressive | $1,480 | $2,317 |
| Auto-Owners | $1,188 | $2,598 |
| State Farm | $1,616 | $2,733 |
| Allstate | $2,324 | $3,024 |
| Farmers | $1,956 | $3,527 |
| USAA | $783 | $1,144 |
How much is high-risk car insurance in Indiana?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Indiana, high-risk car insurance costs $2,577. However, you can get rates as low as $1,922 from Travelers.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $783 | $1,191 |
| Auto-Owners | $1,188 | $1,518 |
| Travelers | $1,264 | $1,863 |
| State Farm | $1,616 | $1,955 |
| Nationwide | $1,309 | $2,150 |
| Geico | $986 | $2,280 |
| Progressive | $1,480 | $2,911 |
| Farmers | $1,956 | $3,655 |
| Allstate | $2,324 | $3,725 |
PEOPLE ASK:
Who is considered high-risk for insurance in Indiana?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
Cheapest car insurance in Indiana with a DUI
While many insurers offer coverage after a DUI, Progressive has the lowest rate at $1,830.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Indiana.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| Progressive | $1,480 | $1,830 |
| Travelers | $1,264 | $1,945 |
| State Farm | $1,616 | $2,007 |
| Geico | $986 | $2,384 |
| Nationwide | $1,309 | $2,770 |
| Auto-Owners | $1,188 | $2,872 |
| Allstate | $2,324 | $2,976 |
| Farmers | $1,956 | $3,964 |
| USAA | $783 | $1,233 |
Cheapest car insurance in Indiana with multiple tickets
State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $1,746 or $146.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Indiana drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $1,616 | $1,746 |
| Travelers | $1,264 | $1,863 |
| Auto-Owners | $1,188 | $1,951 |
| Nationwide | $1,309 | $2,079 |
| Geico | $986 | $2,295 |
| Progressive | $1,480 | $2,301 |
| Allstate | $2,324 | $2,967 |
| Farmers | $1,956 | $2,968 |
| USAA | $783 | $990 |
Cheapest car insurance in Indiana with a reckless driving conviction
Drivers with reckless driving conviction can get the cheapest rates from Travelers at $1,945.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| Travelers | $1,264 | $1,945 |
| State Farm | $1,616 | $2,007 |
| Progressive | $1,480 | $2,686 |
| Geico | $986 | $2,689 |
| Nationwide | $1,309 | $2,770 |
| Auto-Owners | $1,188 | $2,872 |
| Allstate | $2,324 | $2,976 |
| Farmers | $1,956 | $4,063 |
| USAA | $783 | $1,083 |
Cheapest car insurance in Indiana with bad credit
Geico offers the cheapest rates for drivers with poor credit at $1,515 or $126. However,drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to 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., and statistically, drivers with a low credit score fit that description.
Check out the table below to see how your credit score affects Indiana car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Geico | $986 | $1,515 |
| Nationwide | $1,309 | $1,660 |
| Travelers | $1,264 | $2,055 |
| Progressive | $1,480 | $2,478 |
| Allstate | $2,324 | $3,289 |
| Auto-Owners | $1,188 | $3,344 |
| Farmers | $1,956 | $4,231 |
| State Farm | $1,616 | $7,147 |
| USAA | $783 | $1,580 |
Cheapest car insurance after an accident in Indiana
Auto-Owners and Travelers have the lowest car insurance rates after an accident at $1,518 and $1,812, respectively.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Auto-Owners | $1,188 | $1,518 | $2,276 |
| Travelers | $1,264 | $1,812 | $2,343 |
| State Farm | $1,616 | $1,955 | $2,383 |
| Nationwide | $1,309 | $2,150 | $2,932 |
| Geico | $986 | $2,280 | $4,057 |
| Progressive | $1,480 | $2,911 | $4,631 |
| Farmers | $1,956 | $3,655 | $6,652 |
| Allstate | $2,324 | $3,725 | $4,641 |
| USAA | $783 | $1,191 | $1,813 |
Cheapest car insurance in Indiana by city
Granger has the cheapest car insurance rates in Indiana, averaging $2,362. However, the most expensive city is Gary, with average insurance rates of $3,656.
Where you live in Indiana also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Granger | $1,398 | $2,362 |
| Fort Wayne | $1,447 | $2,446 |
| Bloomington | $1,485 | $2,504 |
| Griffin | $1,530 | $2,576 |
| Lawrence | $1,567 | $2,659 |
| Dyer | $1,610 | $2,733 |
| Indianapolis | $1,627 | $2,791 |
| Munster | $1,649 | $2,798 |
| Gary | $2,110 | $3,656 |
How to reduce car insurance rates in Indiana for a bad driving record
Finding affordable car insurance in Indiana is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Indiana?
Three years is common, but how long you're seen as a high-risk driver in Indiana depends on the rules of your insurance company. The state decides how long a violation stays on your driving record, but your insurance company decides how long they'll charge you for it.
Indiana car insurance laws for high-risk drivers
If you're a high-risk driver in Indiana, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Compare Indiana high-risk driver car insurance rates with other states
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