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Indiana Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Indiana (2022)
For drivers that are high-risk 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 for drivers that are high-risk.
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 high-risk drivers in Indiana.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $113 |
| Elephant.com | $137 |
| SafeAuto | $151 |
| Direct Auto | $151 |
| Bristol West | $161 |
| AssuranceAmerica | $180 |
| Safeco Insurance | $186 |
| Midvale Home & Auto | $191 |
| American Family Insurance | $194 |
| Liberty Mutual | $196 |
What Makes a Driver High-Risk in Indiana?
With each new customer that an auto insurance company takes on, they increase their exposure to risk. Inherently, insurers want to avoid taking on too much risk, which is one of the reasons they assign risk ratings to each driver. Those with an extensive history of driving violations often fall into the high-risk category.
Being labeled a high-risk driver in Indiana usually means that you have multiple violations on your driving record. The most common occurrences that can lead to being placed in this category include reckless driving, speeding, multiple at-fault accidents, and a DUI/DWI conviction. Even though high-risk drivers in Indiana typically pay more for coverage, there are several insurance providers that offer competitive rates.
Indiana Car Insurance Rates for High-Risk Drivers
No Violation$152
Speeding Ticket$183
Failure to Stop$194
At-Fault Accident$202
Reckless Driving$211
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Indiana?
Instances of speeding or improper lane changing can have a drastic impact on your overall insurance rates. For example, in Indiana the normal average monthly cost for auto insurance is $152. If you are charged with reckless driving, that rises by $59, to $211 a month. Other high-risk driving violations also carry significant increases to average monthly costs.
One way to find affordable coverage as a high-risk driver is to shop around at multiple insurers. Often, insurance providers will have options to help lower the overall monthly cost of coverage for drivers with past violations on their record.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $152 |
| Speeding Ticket | $183 |
| At-Fault Accident | $202 |
| Reckless Driving | $211 |
| Failure to Stop | $194 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Indiana?
Getting a speeding ticket is never a fun experience, and it is made even worse by the fact that your average premium rate will most likely increase. Many providers view speeding as a stepping-stone to other risky driving behaviors and hope that a rate increase will deter drivers in the future. Typically, drivers with a speeding ticket violation in Indiana can expect to pay $29 more a month for auto insurance coverage.
No Violation - Avg. Monthly Rate$152
Speeding ticket - Avg. Monthly Rate$183
$31 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in Indiana?
Being involved in an accident is one of the worst feelings in the world, especially if you are the one who is at fault. Drivers who have an at-fault accident in Indiana can expect their average monthly premiums to increase. On average, drivers with a history of at-fault accidents pay $50 more than those without any.
No Violation - Avg. Monthly Rate$152
Speeding ticket - Avg. Monthly Rate$202
$50 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Indiana?
We all fall into bad habits, and that includes failing to fully stop at red lights or stop signs. If you are charged with a failure-to-stop violation, there is a good chance your monthly insurance rates will increase. On average, drivers with a violation will have to pay $42 more per month than those without a history of failing to stop.
No Violation - Avg. Monthly Rate$152
Speeding ticket - Avg. Monthly Rate$194
$42 ▴
Avg. Monthly Rate Increase
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Does Driving With a Suspended License Impact Car Insurance Rates in Indiana?
With each new customer that an auto insurance company takes on, they increase their exposure to risk. Inherently, insurers want to avoid taking on too much risk, which is one of the reasons they assign risk ratings to each driver. Those with an extensive history of driving violations often fall into the high-risk category.
Being labeled a high-risk driver in Indiana usually means that you have multiple violations on your driving record. The most common occurrences that can lead to being placed in this category include reckless driving, speeding, multiple at-fault accidents, and a DUI/DWI conviction. Even though high-risk drivers in Indiana typically pay more for coverage, there are several insurance providers that offer competitive rates.
Tips for Researching High-Risk Indiana Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Indiana draws a wide variety of choices when factoring high-risk driving insurance rates.
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.
Compare Top Auto Insurance Companies
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
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
Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.