For drivers with a DUI or DWI offense 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 after this incident will allow you to get the best possible insurance rate after a DUI.
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 a DUI in Indiana.
In Indiana, a DUI or DWI offense will on average have drivers paying $281 per month and $3,372 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 87% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
When you're in a courtroom staring at a judge, car insurance may be the furthest thing from your mind. Just like the sentencing, you can guarantee it'll cost you, but just how much?
Well, the general state average is $162, and Hoosiers with a perfect record slide below that, at $150. One wrong decision later, and your rate jumps up by 87 percent, to $281. After a little math, you'll see that's an added $131 per month, or over $1,500 per year. Just stare at that number long enough, and that's all the motivation some people need to control what's in their cup.
|Average Percent Increase After DUI|
Insurance companies base your rate on your unique driver profile, vehicle, and location. With that in mind, it shouldn't be surprising that DUI drivers shell out $281 to keep their driving privileges. That price tag means Indiana ranks 42nd for most expensive DUI car insurance in the country. And you can still save by reducing your coverage to the state minimum. If you have an older car, consider trading out comprehensive and collision coverage for liability only.
|Most Expensive State for DUI (1-50)|
The Hoosier State has a relatively lenient lookback period compared to the 10 years or lifetime periods in other states. So what's the number? Five years, meaning a second DUI within that time will count as a repeat offense. But most car insurance companies only look back three years, while a few check up to five.
If you must wait, what can you do to save? In Indiana, three strategies have helped countless people in similar situations. You should compare coverages and quotes, use defensive driving to avoid tickets and accidents, and shop around at your renewal every six months.
The severity of the punishment depends on your BAC and the number of DUIs. For the first offense, you're looking at jail time of up to one year, fines between $500 and $5,000, a license suspension of 180 days, and an ignition interlock device requirement for up to one year. If you refuse a blood or breath test, the state will automatically suspend your license for one year.
For drivers under the age of 21, a BAC of .02 or higher results in a DUI. The penalty carries the same punishment as above for those 21 and older, but the ignition interlock device may be required for up to two and a half years.
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.
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.