Cheapest car insurance for drivers with an incident
Indiana drivers with incidents on their record, such as speeding tickets and at-fault accidents, often pay higher rates for car insurance than people with a clean record. More serious violations, like driving under the influence (DUI), usually have the biggest effect on car insurance rates and can cause insurers to drop you altogether.
In the sections that follow, you’ll see how different incidents affect your car insurance rates in different ways.
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Getting pulled over for speeding might seem like a harmless offense, but it can cause your car insurance premiums to go up. The average cost of car insurance for drivers with a speeding ticket in Indiana is $210 per month for full coverage insurance and $102 for liability-only insurance.
Here, you can see how liability coverage rates from different insurers compare for drivers with clean records and drivers with a speeding ticket.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
| Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|
| Auto-Owners | $27 | $36 |
|---|
| State Farm | $29 | $38 |
|---|
| USAA | $31 | $41 |
|---|
| GEICO | $32 | $42 |
|---|
| American Family | $43 | $56 |
|---|
| Clearcover | $48 | $64 |
|---|
| Progressive | $54 | $71 |
|---|
| Travelers | $57 | $76 |
|---|
| Farmers | $60 | $79 |
|---|
| National General | $62 | $81 |
|---|
| Dairyland | $64 | $85 |
|---|
| Direct Auto | $66 | $87 |
|---|
| Allstate | $68 | $89 |
|---|
| Nationwide | $75 | $100 |
|---|
| The General | $79 | $105 |
|---|
| Elephant | $80 | $115 |
|---|
| GAINSCO | $82 | $118 |
|---|
| Liberty Mutual | $82 | $118 |
|---|
| Safeco | $82 | $110 |
|---|
| CSAA | $84 | $113 |
|---|
| Bristol West | $94 | $123 |
|---|
| Foremost | $114 | $164 |
|---|
| AssuranceAmerica | $127 | $170 |
|---|
| State Auto | $142 | $202 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
If you cause an accident, your car insurance premium will probably go up, unless you added accident forgiveness to your policy. Your premium may even increase after a not-at-fault collision, depending on your insurer. This is because insurers see your involvement in an accident as an indication you’re more likely to be involved in another accident in the future.
Drivers with an accident on their record pay an average of $102 per month for liability coverage and $210 for full coverage.
Here, you can see the cheapest car liability-only rates for drivers in Indiana with an at-fault accident on their record.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
| Insurance Company | Clean Driving Record | With Accident |
|---|
| Auto-Owners | $27 | $36 |
|---|
| State Farm | $29 | $39 |
|---|
| USAA | $31 | $42 |
|---|
| GEICO | $32 | $43 |
|---|
| American Family | $43 | $58 |
|---|
| Clearcover | $48 | $69 |
|---|
| Progressive | $54 | $74 |
|---|
| Travelers | $57 | $78 |
|---|
| Farmers | $60 | $81 |
|---|
| National General | $62 | $85 |
|---|
| Dairyland | $64 | $86 |
|---|
| Direct Auto | $66 | $91 |
|---|
| Allstate | $68 | $92 |
|---|
| Nationwide | $75 | $102 |
|---|
| The General | $79 | $109 |
|---|
| Elephant | $80 | $106 |
|---|
| GAINSCO | $82 | $107 |
|---|
| Liberty Mutual | $82 | $121 |
|---|
| Safeco | $82 | $108 |
|---|
| CSAA | $84 | $119 |
|---|
| Bristol West | $94 | $126 |
|---|
| Foremost | $114 | $168 |
|---|
| AssuranceAmerica | $127 | $172 |
|---|
| State Auto | $142 | $210 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence is one of the most serious violations you can have on your record. If you’ve been convicted of a DUI, expect your car insurance premium to increase significantly. In some cases, your insurer may drop you altogether.
The average rate for liability coverage for drivers with a DUI in Indiana is $116. The average full-coverage rate is $239 per month.
Here, you can see how having a DUI on your record affects your car insurance rates in Indiana.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
| Insurance Company | Clean Driving Record | With DUI |
|---|
| Auto-Owners | $27 | $45 |
|---|
| State Farm | $29 | $49 |
|---|
| USAA | $31 | $52 |
|---|
| GEICO | $32 | $54 |
|---|
| American Family | $43 | $72 |
|---|
| Clearcover | $48 | $80 |
|---|
| Progressive | $54 | $90 |
|---|
| Travelers | $57 | $95 |
|---|
| Farmers | $60 | $100 |
|---|
| National General | $62 | $104 |
|---|
| Dairyland | $64 | $107 |
|---|
| Direct Auto | $66 | $110 |
|---|
| Allstate | $68 | $114 |
|---|
| Nationwide | $75 | $125 |
|---|
| The General | $79 | $132 |
|---|
| Elephant | $80 | $134 |
|---|
| GAINSCO | $82 | $137 |
|---|
| Liberty Mutual | $82 | $137 |
|---|
| Safeco | $82 | $137 |
|---|
| CSAA | $84 | $141 |
|---|
| Bristol West | $94 | $157 |
|---|
| Foremost | $114 | $191 |
|---|
| AssuranceAmerica | $127 | $212 |
|---|
| State Auto | $142 | $238 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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