Cheap Car Insurance in Indiana After a Speeding Ticket
Auto-Owners offers the cheapest liability-only rates in Indiana for drivers with speeding tickets, averaging $48 per month.
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Speeding tickets affect car insurance in Indiana, and rates can increase by 41%. Plus, points from a speeding ticket stay active on your driving record for two years under Indiana Bureau of Motor Vehicles (BMV) rules.[1]
Indiana drivers pay an average of $137 per month after a speeding ticket, according to Insurify data. In comparison, drivers with a clean record pay an average of $97 per month.
Auto-Owners, State Farm, and Progressive offer the cheapest rates for Indiana drivers after a speeding ticket.
Here’s what you need to know about the cheapest Indiana insurers after a ticket, how the BMV’s point system works, and ways to lower your rate.
Quick Facts
In Indiana, full coverage averages $181 per month after a speeding ticket, and liability-only coverage averages $92 per month.
Rates are $40 higher per month, on average, for Indiana drivers with a ticket.
Indiana’s Habitual Traffic Violator law triggers a five-year driver’s license suspension for nine speeding tickets and one operating while intoxicated (OWI) in 10 years.
Cheapest car insurance after a speeding ticket in Indiana
Comparison shopping is the best way for Indiana motorists to find the cheapest coverage after a speeding ticket.
Auto-Owners has the cheapest liability-only insurance policies for drivers with a ticket, at an average rate of $48 per month. In comparison, a liability-only rate for a driver with a clean record from the same insurer averages $35 per month.
The table below shows the cheapest Indiana insurers for drivers with and without a ticket.
The below rates in Indiana are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company  | Average Liability-Only Quote: With Clean Record | Average Liability-Only Quote: With Speeding Ticket |
|---|---|---|
| Auto-Owners | $35 | $48 |
| State Farm | $36 | $49 |
| USAA | $39 | $54 |
| Progressive | $39 | $55 |
| GEICO | $40 | $56 |
| First Chicago | $41 | $58 |
| National General | $48 | $64 |
| Direct Auto | $51 | $68 |
| American Family | $54 | $74 |
| Root | $61 | $78 |
| First Acceptance | $56 | $79 |
| Hugo | $59 | $80 |
| Dairyland | $61 | $81 |
| The General | $57 | $81 |
| GAINSCO | $64 | $82 |
| Trexis | $58 | $82 |
| Safeco | $59 | $82 |
| AssuranceAmerica | $61 | $83 |
| Trexis One | $62 | $88 |
| Elephant | $72 | $92 |
| Liberty Mutual | $69 | $94 |
| Travelers | $72 | $99 |
| Bristol West | $76 | $102 |
| Mendota | $73 | $103 |
| Farmers | $76 | $104 |
| CSAA | $75 | $105 |
| Allstate | $86 | $119 |
| Nationwide | $95 | $131 |
| Insurify Car | $93 | $132 |
| State Auto | $180 | $254 |
Disclaimer: Table data sourced from real-time Indiana car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Indiana may vary based on the policy buyer's unique driver profile.
Indiana insurance companies weigh driving history, age, credit history, and vehicle type differently, so the cheapest company for one driver isn’t always the cheapest for another.
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Monthly rates start at $48 for drivers with a speeding ticket
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How much does a speeding ticket increase insurance in Indiana?
A speeding ticket adds about 41% to the average car insurance rate in Indiana, according to Insurify data. Full coverage jumps by an average of $53 per month. Meanwhile, liability insurance premiums increase by about $27.
How much your rate increases depends on how many points your ticket adds to your driving record, your prior driving history, and which insurer you choose.
Driver Profile | Average Monthly Rate: Full Coverage | Average Monthly Rate: Liability Only |
|---|---|---|
| Clean record | $128 | $65 |
| Speeding ticket | $181 | $92 |
| Difference | $53 | $27 |
Disclaimer: Table data is based on real-time Indiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Indiana insurers each factor speeding tickets into their rates using their own formulas, so comparing quotes is the most reliable way to find a better rate. Indiana drivers can also ask about accident forgiveness, which can keep a first at-fault accident from raising their rate.
Indiana BMV laws and how speeding tickets affect car insurance
Speeding tickets raise your rate in Indiana because the BMV records every moving violation, and insurers review that record when writing your policy.
Speeding on regular roadways earns two points for one to 15 miles per hour over the posted speed limit, four points for 16–25 miles per hour over, and six points for driving more than 25 miles per hour over. School zone and worksite speeding violations add two more points to each tier.[2]
Indiana has no cap on insurer rate increases after a ticket, so it’s up to each insurer to determine how much your rate goes up. You can complete a Driver Safety Program (DSP) to wipe away up to four points and reduce the effect on your rate.
How long does a speeding ticket stay on your record in Indiana?
Your Indiana driving record shows points for two years after a speeding ticket. Auto insurance companies typically review three years of driving history, which means it can affect your rate for a year after BMV points come off your record.
If your infraction falls under Indiana’s Habitual Traffic Violator law, the effects on your driving record and insurance rates could last 10 years.[3]
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How to lower your car insurance rate after a speeding ticket in Indiana
Indiana offers drivers several routes to a lower rate after a speeding ticket:
Take a BMV-approved Driver Safety Program. Indiana car insurance laws allow drivers to earn a four-point credit on their driving record by completing a state-approved course. This option is available once every three years.
Look into a county deferral program. Many Indiana county prosecutors run traffic ticket deferral programs that can dismiss the ticket entirely. Requirements vary but typically include a fee and no additional tickets during the deferral period (often six months).[4]
Compare quotes from multiple insurers. The gap between Indiana’s cheapest and most expensive insurers for drivers with a ticket is more than $380 per month. Companies treat infractions differently, so the same driver profile can get quotes that vary widely.
Compare discounts. When you’re comparing quotes, it’s also worth comparing discounts to see if you can get extra savings. Common discounts include those for bundling, multiple policies, low mileage, and telematics programs.
Do speeding tickets affect car insurance in Indiana FAQs
Indiana drivers ask plenty of questions about how speeding tickets affect their insurance. Here are quick answers to the most common ones.
How long do speeding tickets affect insurance in Indiana?
An Indiana speeding ticket can affect auto insurance rates for about three years. Indiana’s BMV clears points from a speeding ticket two years after the violation, but car insurance companies often check three years of driving history.
Can attending a traffic school in Indiana help prevent a speeding ticket from affecting your insurance rates?
Completing a BMV-approved Driver Safety Program credits four points back to your driving record, which can lower your total points. But the credit doesn’t erase the ticket from your record, so insurers can still see it.
How can you lower your car insurance after a ticket in Indiana?
To lower your insurance in Indiana after a ticket, you have a few options: Compare quotes and discounts from multiple insurers, take a BMV-approved Driver Safety Program, or look into a county deferral program. The deferral route can dismiss the ticket entirely if you qualify. Comparing quotes and discounts can help mitigate costs in the meantime.
Sources
- In.gov. "Driver's Licenses, Permits & IDs: Driver Safety Program."
- In.gov. "Indiana Register."
- In.gov. "Driver's Licenses, Permits & IDs: Common Traffic Violations."
- St. Joseph County. "Infraction Deferral."
Methodology
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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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Amy BeardsleyFreelance Insurance and Real Estate Writer
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in