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Cheap DUI Car Insurance in Indiana (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Best DUI Insurance Companies in Indiana (2022)
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.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $113 |
| USH&C | $118 |
| First Chicago Insurance Company | $135 |
| Elephant.com | $135 |
| Bristol West | $138 |
| Liberty Mutual | $139 |
| AssuranceAmerica | $143 |
| Kemper | $152 |
| Safeco Insurance | $156 |
| Dairyland Insurance | $157 |
DUI Car Insurance Costs 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.
Avg. Monthly Cost - No Violation$150
Avg. Monthly Cost - After DUI$281
$131 ▴
87.33% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates
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.
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How Much Does a DUI Impact Car Insurance Rates in Indiana?
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.
| No Violation - Avg. Monthly Rate | After DUI - Avg. Monthly Rate | Average Percent Increase After DUI |
|---|---|---|
| $150 | $281 | 87.33% |
What Are the Average Car Insurance Prices After a DUI in Indiana?
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.
| Indiana After DUI Avg. Monthly Rate | Most Expensive State for DUI (1-50) |
|---|---|
| $281 | 42nd |
How Long Is the Lookback Period for a DUI in Indiana?
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.
Indiana DUI Penalties
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.
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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
Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.