Cheapest Car Insurance In Indiana After an Accident
Auto-Owners offers the cheapest car insurance in Indiana after an accident, with an average monthly rate of $49 for liability coverage.
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Written byCarley Clark
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Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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The average cost of car insurance for Indiana drivers with an at-fault accident is $140 per month. That’s 44% more than drivers with a clean driving record, according to Insurify data.
Indiana car insurance rates vary widely by insurer, though, so comparison shopping can help you find a lower insurance premium even with an accident on your record.
In this article, you’ll learn which companies offer the best insurance after an accident in Indiana, how long a crash stays on your record, and how to lower your car insurance costs.
Quick Facts
After an at-fault accident, Indiana drivers pay monthly averages of $185 for full coverage and $94 for minimum coverage.
Auto-Owners and State Farm are the cheapest car insurance companies after an accident, averaging $49 per month and $50 per month for liability coverage.
Indiana recorded 198,247 traffic collisions in 2023, according to the Indiana Criminal Justice Institute.[1]
Cheapest car insurance companies in Indiana after an accident
Indiana insurers weigh your driving history when setting rates. If you cause a crash, car insurance companies typically classify you as a high-risk driver and increase your premiums, according to the Indiana Department of Insurance (IDOI).
That said, you can often find cheaper coverage by requesting car insurance quotes from multiple insurers or working with an independent insurance agent. Indiana is the 12th-most affordable state for car insurance, according to Insurify data, which means you can still find competitive rates after a crash.
Auto-Owners offers the cheapest rates in Indiana after an accident, averaging $49 per month for liability coverage and $90 per month for full coverage.
To help you find the best car insurance after an accident, the table below compares average monthly rates for Indiana drivers with an at-fault crash on their driving record.
The below rates in Indiana are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $49 | $90 |
| State Farm | $50 | $96 |
| USAA | $55 | $103 |
| GEICO | $55 | $106 |
| Progressive | $56 | $84 |
| First Chicago | $59 | $150 |
| National General | $67 | $159 |
| Direct Auto | $73 | $138 |
| American Family | $76 | $143 |
| Root | $80 | $132 |
| First Acceptance | $81 | $185 |
| The General | $82 | $198 |
| Trexis | $84 | $212 |
| Dairyland | $84 | $266 |
| AssuranceAmerica | $85 | $157 |
| Safeco | $86 | $125 |
| GAINSCO | $86 | $224 |
| Trexis One | $89 | $228 |
| Liberty Mutual | $96 | $165 |
| Elephant | $98 | $153 |
| Travelers | $102 | $192 |
| Bristol West | $105 | $200 |
| Mendota | $105 | $213 |
| Farmers | $106 | $200 |
| CSAA | $112 | $188 |
| Allstate | $121 | $229 |
| Nationwide | $134 | $252 |
| State Auto | $257 | $485 |
Disclaimer: Table data sourced from real-time Indiana car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Indiana may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance after an Accident in Indiana
Monthly rates start at $49 for drivers with an accident
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How much does car insurance in Indiana increase after an accident?
The average cost of car insurance in Indiana increases from $97 per month to $140 per month after an at-fault accident. Car insurance premiums increase more in Indiana after an accident than the national average.
Even if a collision isn’t your fault, it’s possible that your rates could still increase, though not as much as with an at-fault accident. The circumstances of the accident, like whether you were driving under the influence (DUI), as well as your prior claims history, can also affect how much your car insurance premiums increase.
Below is a comparison of the state-average rate for Indiana drivers with clean driving records versus drivers with at-fault accidents.
Driving Record | Average Monthly Rate |
|---|---|
| Clean driving record in IN | $97 |
| At-fault accident in IN | $140 |
Disclaimer: Table data is based on real-time Indiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How long does an accident stay on your record in Indiana?
Indiana insurers typically review your driving record for accidents and violations over the past three to five years, according to the IDOI. If you commit a moving violation, points stay on your record for two years after the conviction date.
You likely won’t receive any points if the accident wasn’t your fault and you didn’t commit any violations. Insurers may still note the accident on your record, but it’s less likely to affect your rates as much as an at-fault crash.
Serious violations have stricter penalties under Indiana’s car insurance laws. Drivers with multiple offenses over a 10-year span, including a DUI, speeding tickets, or leaving the scene of an accident, face a 10-year license suspension under the state’s Habitual Traffic Violator law. They may also have to carry SR-22 insurance.
How to get cheaper Indiana car insurance after an accident
A crash can drive up the cost of your car insurance policy, but these tips may help lower rates after an accident:
Comparison shop
The IDOI recommends speaking with multiple agents and companies when shopping for auto insurance. Insurers must file rates with the department to ensure they’re fair and promote competition within Indiana’s insurance market.
Take a driver safety program (DSP) course
Indiana drivers can take a DSP course to learn safe driving habits and earn a four-point credit on their driving record every three years. The course costs up to $55 and lasts at least four hours.
Shop for insurance discounts
Many insurers offer discounts for safe drivers, good students, and anti-theft devices. Indiana drivers can also save by bundling auto insurance with home or renters insurance — especially since Indiana’s housing units are 71% owner-occupied, which is higher than the national average.[2]
Review your coverage limits
If your vehicle is worth less than $2,000, the IDOI recommends skipping collision coverage. You might also consider sticking with Indiana state minimum coverage and forgoing add-ons like gap insurance or uninsured motorist coverage to lower your premiums.
Consider usage-based or pay-per-mile insurance
Indiana ranks No. 11 nationally for highest annual mileage, averaging 9,391 miles per year, according to Insurify data. If you drive less than that — for example, if you’re a remote worker in Fort Wayne or a retiree in Terre Haute — you might save by switching to a mileage-based policy.
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What is accident forgiveness, and do you need it in Indiana?
Accident forgiveness is a feature on your auto insurance policy that prevents your rates from increasing if you cause an accident.[3] Although it can save you money after a crash, it may increase your premiums and have certain requirements.
Insurers like GEICO, Progressive, and Allstate offer accident forgiveness. Costs can vary by company. Some insurers offer accident insurance for free, while others sell it as an optional add-on that increases your premium by a small amount, like 5%, for example. So you’ll need to request a quote for exact pricing.
Accident forgiveness makes the most sense if you have a clean driving record and want to protect your rates from increases after a first-time mistake. If you’re already paying higher premiums after an accident, the add-on costs may outweigh the benefits — and you could see similar savings simply from comparison shopping.
Car insurance after an accident in Indiana FAQs
Indiana saw nearly 200,000 reported crashes in 2023 alone — which means plenty of Hoosiers have tried to find cheaper insurance after an accident. The information below answers the most common questions about Indiana car insurance after an accident.
What’s the best car insurance after an accident in Indiana?
The best car insurance after an accident in Indiana depends on your budget and whether you need full coverage — including collision and comprehensive coverage — or just liability insurance to meet Indiana car insurance requirements. Auto-Owners often offers the cheapest rates for drivers with an accident, but it’s a good idea to request quotes from multiple insurers to find the best price.
How long does an accident stay on your insurance in Indiana?
In Indiana, an at-fault accident typically stays on your insurance record for three to five years, according to the IDOI. During that time, you may pay higher car insurance rates. Maintaining a safe driving record after an accident can help your premiums return to normal faster once it drops off.
How much is car insurance in Indiana?
Car insurance in Indiana costs an average of $65 per month for liability coverage and $128 for full coverage. But where you live affects your premiums. Indianapolis, for example, ranks No. 28 nationally for vehicle thefts, so rates are generally higher than in small cities, like Elkhart.
Which company has the cheapest car insurance in Indiana?
Indiana drivers can generally find the cheapest car insurance rates from Auto-Owners and State Farm. Rates vary by person, though, so comparison shopping is essential to finding the most affordable insurer for your situation.
Sources
- Indiana University Public Policy Institute. "Indiana Crash Facts 2023."
- United States Census Bureau. "QuickFacts Indiana."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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