How to Find the Best Car Insurance
for High Risk Drivers in Indiana
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- Car Insurance in Indiana
- High-Risk Car Insurance 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.
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’s in the Indiana High-Risk Car Insurance Guide?
- What Are the Best Car Insurance Companies for High-Risk Drivers in Indiana?
- How Much Does High-Risk Driving Affect Car Insurance Rates in Indiana?
- How Much Does a Speeding Ticket Impact Car Insurance Rates in Indiana?
- How Does an at-Fault Accident Impact Insurance Rates in Indiana?
- How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Indiana?
- Does Driving With a Suspended License Impact Car Insurance Rates in Indiana?
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.
| 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 |
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 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.
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.
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.
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.
