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Indiana Car Insurance for Bad Credit Drivers
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Companies for Drivers With Bad Credit in Indiana (2022)
For drivers with bad credit in Indiana, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Indiana. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Indiana.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $101 |
| SafeAuto | $120 |
| Elephant.com | $127 |
| Direct Auto | $129 |
| Midvale Home & Auto | $132 |
| Stillwater | $133 |
| Bristol West | $135 |
| AssuranceAmerica | $137 |
| Jupiter Auto | $147 |
| American Family Insurance | $153 |
Bad Credit Car Insurance in Indiana
When you think of driving in Indiana, the racers at the Indianapolis 500 might come to mind. But let's be clear: the vast majority of drivers in Indiana aren't racing around at 200 miles per hour. And if you're an average driver in Indiana, you're probably wondering if your credit score will affect your car insurance rates.
Indiana is one of many states that take credit score into account when determining your rate. Credit history isn't the only factor that comes into play. But if a car insurance company worries about your ability to pay bills on time, they may saddle you with higher car insurance premiums.
Indiana Car Insurance Rates for Bad Credit Drivers
Excellent$141
Good$157
Average$159
Poor$172
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Indiana?
It's just reality: millions of Americans have poor credit. And if you're a driver in Indiana with a low credit score, you'll pay a little over 5 percent more for car insurance than drivers with good credit.
Fortunately, car insurance rates on average are pretty cheap in Indiana. So while no one wants to pay another $8 for car insurance each month, Indiana drivers with low credit will be relieved to know that their car insurance rates are still among the lowest in the nation.
Avg. Monthly Cost - for Drivers with Good Credit$157
Avg. Monthly Cost - for Drivers with Bad Credit$165
$8 ▴
5.10% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates
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Can I Get Car Insurance With No Credit Check in Indiana?
In Indiana, car insurance companies are allowed to look at your credit history before determining your car insurance rate. So it's very likely you'll deal with a credit check as you shop for car insurance in Indiana.
So what should you do if you're an Indiana driver with bad credit? Well, you might be able to find a smaller regional car insurance carrier that caters their policies to bad-credit drivers—or even claims to not check your credit. Or you could seek out a larger insurance carrier like GEICO that has been known to offer reasonable rates for drivers with bad credit.
Indiana Car Insurance Rates by Credit Tier
When it comes to credit's impact on car insurance, Indiana features few surprises. Those with excellent credit pay a reasonable $141 per month on average, while those with poor credit pay a slightly steeper $172 per month.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $141 |
| Good | $157 |
| Average | $159 |
| Poor | $172 |
Car Insurance Rates With Bad Credit in Indiana Cities
Drivers in Indiana with bad credit will be relieved to know that Indiana's car insurance rates are some of the lowest in the country. So while drivers in Indianapolis pay more for car insurance ($166 per month) than drivers in South Bend ($126), these rates should still fit into most drivers' budgets.
| City | Credit Tier | Avg. Monthly Cost |
|---|---|---|
| Indianapolis | Poor | $166 |
| Fort Wayne | Poor | $150 |
| Evansville | Poor | $134 |
| South Bend | Poor | $126 |
| Lafayette | Poor | $142 |
| Kokomo | Poor | $163 |
Tips for Researching Bad Credit Indiana Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Indiana draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Indiana Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Indiana. Insurify analyzed the latest data for the five most populous cities in Indiana to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Indiana and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.