Indiana Car Insurance for Bad Credit Drivers

Mark Steinbach
Written byMark Steinbach
Mark Steinbach
Mark SteinbachInsurance Writer

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.

John Leach
Edited byJohn Leach
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John LeachInsurance Content Editor at Insurify

John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.

Amber Benka
Reviewed byAmber Benka
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Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

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.

CarrierAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 TierAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$141
Good$157
Average$159
Poor$172

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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.

CityCredit TierAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
IndianapolisPoor$166
Fort WaynePoor$150
EvansvillePoor$134
South BendPoor$126
LafayettePoor$142
KokomoPoor$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.

Top Auto Insurance Companies

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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

  • Why is car insurance so expensive in Indiana?

    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.

  • Do car insurance rates vary by county in Indiana?

    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.

  • Which providers have the best auto insurance ratings in Indiana?

    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.

  • How much do annual auto insurance rates increase in Indiana?

    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

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Mark Steinbach
Mark SteinbachInsurance Writer

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.

John Leach
Edited byJohn LeachInsurance Content Editor at Insurify
Photo of an Insurify author
John LeachInsurance Content Editor at Insurify

John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Icon of a woman
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.