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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Updated
The average monthly cost of full-coverage policy increases about 49% after an operating while intoxicated (OWI) conviction in Indiana, to $193.
Auto-Owners offers the cheapest liability coverage after an OWI in Indiana, at $49 per month.
Getting an OWI in Indiana can affect your rates for 10 years.[1]
Liability insurance in Indiana averages $97 per month for drivers after an operating while intoxicated (OWI) conviction, while full coverage averages $193 per month.
Auto-Owners is the cheapest insurance company in Indiana for drivers with an OWI, and you can see other affordable insurers in the table below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $49 |
| State Farm | $54 |
| Progressive | $57 |
| USAA | $57 |
| GEICO | $60 |
| First Chicago | $61 |
| National General | $69 |
| Direct Auto | $75 |
| American Family | $76 |
| The General | $83 |
| First Acceptance | $85 |
| AssuranceAmerica | $88 |
| Trexis | $88 |
| Hugo | $90 |
| Dairyland | $91 |
| Root | $92 |
| GAINSCO | $94 |
| Trexis One | $94 |
| Safeco | $95 |
| Elephant | $104 |
| Liberty Mutual | $104 |
| Travelers | $107 |
| Bristol West | $112 |
| Farmers | $112 |
| Mendota | $112 |
| CSAA | $122 |
| Allstate | $128 |
| Insurify Car | $139 |
| State Auto | $259 |
Liability rates average $97 per month
An OWI conviction increases Indiana’s average monthly costs for full-coverage insurance by about 49%. How much your premium rises depends on a few factors, including:
BAC level: A higher blood alcohol content (BAC) can lead to steeper rate increases. Indiana classifies a BAC of 0.15 or higher as a class A misdemeanor.[2]
Prior offenses: Existing violations can raise your rates even more.
Age: Younger drivers typically pay higher premiums after an OWI.
Coverage levels: Higher coverage limits and optional add-ons increase overall insurance costs.
See how Indiana liability-only car insurance rates compare for drivers with and without an OWI in the chart below.
Insurance Company | With DUI | Without DUI |
|---|---|---|
| Auto-Owners | $49 | $35 |
| State Farm | $54 | $37 |
| Progressive | $57 | $38 |
| USAA | $57 | $39 |
| GEICO | $60 | $41 |
| First Chicago | $61 | $41 |
| National General | $69 | $47 |
| Direct Auto | $75 | $51 |
| American Family | $76 | $54 |
| The General | $83 | $58 |
| First Acceptance | $85 | $57 |
| AssuranceAmerica | $88 | $60 |
| Trexis | $88 | $59 |
| Hugo | $90 | $60 |
| Dairyland | $91 | $62 |
| Root | $92 | $63 |
| GAINSCO | $94 | $64 |
| Trexis One | $94 | $63 |
| Safeco | $95 | $59 |
| Elephant | $104 | $71 |
| Liberty Mutual | $104 | $71 |
| Travelers | $107 | $73 |
| Bristol West | $112 | $76 |
| Farmers | $112 | $76 |
| Mendota | $112 | $75 |
| CSAA | $122 | $83 |
| Allstate | $128 | $87 |
| Insurify Car | $139 | $93 |
| State Auto | $259 | $183 |
The best auto insurer in Indiana depends on your driving history, budget, and coverage needs. We analyzed Indiana companies by rates, coverage, reviews, and industry ratings to find three strong options for drivers with an OWI.
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $66/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Auto-Owners has some of the cheapest rates for OWI drivers in Indiana. The company also has a solid reputation for handling claims and providing personalized service. Local independent agents are available to handle quotes and insurance policy questions.
Cheap rates in Indiana for drivers with OWI
Above-average J.D. Power claims rating
Many insurance agents throughout Indiana
Quotes not available online
Operates in 26 states, limiting options if you move
Fewer online service tools than other insurers
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 648 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $62/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive insures drivers with OWI convictions and stands out for SR-22 insurance. The insurer files your SR-22 form with the Indiana Bureau of Motor Vehicles (BMV) and includes the filing fee in your policy cost.
No surprise SR-22 filing fees
Three accident forgiveness programs
Snapshot lowers rates for safe driving
Snapshot may raise rates with high-risk driving
Below-average J.D. Power claims rating
Capped loan/lease payoff may not cover the full gap
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $123/mo |
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Liberty Mutual ranks in the top three for claims satisfaction, according to J.D. Power. Filing a claim takes about 10 minutes, and you can request a rental car and pick a repair shop right from the app.
Above-average J.D. Power claims rating
Easy online and mobile claims management
Extensive self-service website and app tools
Prices may change depending on how you buy
No same-day payment for auto claims
Above-average number of National Association of Insurance Commissioners (NAIC) complaints
Our editorial team analyzed our proprietary data, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for drivers with an OWI in Indiana. We also weigh rate affordability, coverage options, available discounts, customer satisfaction rankings, and financial strength.
After an OWI conviction in Indiana, getting back on the road takes a few steps:
File an SR-22. Indiana requires SR-22 insurance after an OWI. Your insurer files it electronically with the BMV.
Reinstate your license. The BMV restores your license once your insurer files the SR-22 and you pay reinstatement fees. To drive during your suspension, you can apply for specialized driving privileges through the court.
Compare high-risk insurers. Some insurers won’t file an SR-22 on your behalf, so shopping around for insurance quotes matters more after an OWI.
Adjust your coverage. If you’ve paid off your vehicle and it’s an older model, consider dropping comprehensive and collision coverage. It can reduce monthly costs, though you’d be responsible for any damage to your car.
Check quotes from 120+ top insurance companies
Indiana officially refers to a DUI conviction as operating while intoxicated (OWI) rather than driving under the influence. The legal limit is 0.08% BAC for most drivers. About 1% of Indiana drivers have an OWI on their record, according to Insurify data.
The state’s drunk driving laws and penalties depend on your BAC, any prior offenses, and whether anyone was hurt.
A first offense for an OWI in Indiana can mean up to one year in jail and up to $5,000 in fines. A second offense comes with a 180-day mandatory driver’s license suspension. It also raises the maximum jail term to three years and imposes fines of up to $10,000.
Beyond jail time, you may face license suspension, court fees, probation, mandatory substance abuse education, and have to install an ignition interlock device to regain driving privileges.
An OWI follows you in three different ways in Indiana, each on its own timeline:
Criminal record: The conviction is permanent unless you petition for expungement after a waiting period of at least five years.
Indiana driving record: BMV points expire two years after the conviction, but an OWI counts toward habitual traffic violator status for 10 years.
Insurance company rates: Most insurers raise rates for about three years, according to the Insurance Information Institute.[3] But in some states, like Indiana, a rate increase can last for up to 10 years, though the effect fades over time.
Indiana requires SR-22 coverage if a court allows you to drive under specialized driving privileges during your suspension, and to reinstate your full license afterward. You’ll likely need SR-22 coverage for 180 days.
Your insurer files the SR-22 electronically with the BMV to prove you meet Indiana’s minimum liability coverage requirements. Not every insurer offers SR-22 insurance, so you may need to shop for insurers that specialize in high-risk drivers.
Indiana requires drivers to have a minimum of 25/50/25 in car insurance coverage:
$25,000 of bodily injury per person
$50,000 of bodily injury per accident
$25,000 of property damage liability
Auto policies also include uninsured/underinsured motorist coverage unless you opt out in writing. An OWI doesn’t change these state minimums, but it adds an SR-22 filing requirement to confirm your coverage with the BMV.
How long an OWI stays on your record depends on state law and how each insurer treats the conviction. In Indiana, the conviction can stay on your record for life.
See quotes from top insurers in minutes
Your auto insurance rates will climb after an OWI in Indiana. Following these tips can soften the hit:
Two companies can quote wildly different prices for the same driver, regardless of your driving record. In Indiana, liability-only rates start as low as $49 after an OWI, but some companies charge much more. Shopping around can save you more money.
The BMV’s driver safety program (DSP) takes four points off your driving record, but you can only earn that point credit once every three years. The BMV may require some drivers to complete a DSP after multiple traffic convictions.
A higher deductible lowers your monthly auto insurance premium, though you’ll cover more yourself when you file a claim. With rates already running high after an OWI, this is one of the few cost choices you control.
About 67% of Indiana drivers own their vehicles outright, according to Insurify data. If your vehicle is older and you’ve paid it off, dropping comprehensive and collision coverage can reduce your premium. Keep in mind you’d have to pay for your vehicle damage out of pocket.
Here are answers to the most common questions drivers with an OWI tend to ask when shopping for insurance in Indiana.
Auto-Owners and State Farm offer the cheapest car insurance in Indiana for drivers with an OWI, with respective monthly liability rates of $49 and $54.
Most insurance companies consider an OWI when setting rates for three to 10 years. The effect on your premium typically decreases over time, especially if you maintain a clean driving record after the conviction.
Indiana drivers with an OWI pay an average of $193 per month for full coverage and $97 per month for liability-only coverage, according to Insurify data.
An OWI in Indiana raises car insurance rates by roughly 49% on both liability and full coverage. Your personal rate increase will depend on factors like your BAC level, prior offenses, and the insurer you choose.
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:
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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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
