How to Find the Best Car Insurance
for High Risk Drivers in Indiana

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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
Average Monthly Cost
$152
No Violation
$183
Speeding Ticket
$202
At-Fault Accident
$211
Reckless Driving
$194
Failure to Stop for Red Light / Stop Sign
Driving History

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.

What Are the Best Car Insurance Companies for High-Risk Drivers in Indiana?

Even though high-risk drivers in Indiana have to contend with higher premium rates, there are still affordable options available. Insurance providers such as Travelers, Elephant.com, and SafeAuto all offer affordable rates and special packages for high-risk drivers. Below are a few insurers that should be considered when shopping for rates.

CarrierAvg. 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

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 HistoryAvg. Monthly Cost
No Violation$152
Speeding Ticket$183
At-Fault Accident$202
Reckless Driving$211
Failure to Stop for Red Light / Stop Sign$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.

$152
No Violation - Avg. Monthly Rate
$183
Speeding ticket - Avg. Monthly Rate
$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.

$152
No Violation - Avg. Monthly Rate
$202
Speeding ticket - Avg. Monthly Rate
$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.

$152
No Violation - Avg. Monthly Rate
$194
Speeding ticket - Avg. Monthly Rate
$42 Avg. Monthly Rate Increase

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.