Cheap Car Insurance for High-Risk Drivers in Indiana:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Indiana (2021)

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.

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
$183
$202
$211
$194
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
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.

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
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.

$152
$183
No Violation - Avg. Monthly RateSpeeding 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
$202
No Violation - Avg. Monthly RateSpeeding 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
$194
No Violation - Avg. Monthly RateSpeeding 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.

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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.

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Insurify Rate Comparison Methodology

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.