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Car insurance for high risk drivers in Indiana

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If you have multiple at-fault accidents, tickets or a DUI in Indiana, you may have a challenging time finding cheap car insurance rates. A reckless driving charge could lead to your license being revoked, restricted or suspended. If your car insurance rates have increased or your coverage has been dropped entirely after a traffic violation in Indiana, high-risk auto insurance may be the best option for you.

High-risk car insurance rates in Indiana

The cost of your Indiana vehicle insurance depends on your driving record, vehicle and level of coverage, as well as some other various factors. Indiana high-risk auto insurance is often more expensive than traditional coverage. Each car insurance carrier has its own threshold of risk when pricing your vehicle insurance. One insurance carrier may provide affordable insurance for a driver with speeding tickets but raise premiums sharply after an accident or claim.

Rates after a speeding ticket

Getting a speeding ticket could increase your auto insurance rates slightly or significantly, depending on the carrier. There is no formula to determine which insurance company will be cheaper after a speeding ticket. However, Bankrate’s analysis found USAA, State Farm and American Family to be the most affordable carriers on average.

Car insurance company Indiana average annual premium for full coverage before a speeding ticket Indiana average annual premium for full coverage after a speeding ticket % difference
USAA $834 $1,056 27%
State Farm $913 $1,105 21%
American Family $993 $1,658 67%

You may be able to avoid an increase in your insurance rates after a speeding ticket by completing an approved traffic school course. These courses can be completed online from the comfort of your home or in person.

Rates after an accident

In Indiana, being held responsible for a car accident will increase your premiums more than a speeding ticket. However, when searching for high-risk auto insurance, Indiana rates vary significantly from one insurance company to the next.

Car insurance company Indiana average annual premium for full coverage before an accident Indiana average annual premium for full coverage after an accident % difference
USAA $834 $1,267 52%
State Farm $913 $1,241 36%
American Family $993 $2,001 102%

USAA car insurance may start out as the cheapest coverage for safe drivers, but a single accident could increase your premiums by an average of 52%. Meanwhile, State Farm’s rates increase 36%, on average, after an accident, and American Family rates increase an average of 102% after an accident.

Rates after a DUI

Driving under the influence may be the most dangerous risk a driver could take both financially and in terms of safety.

Here’s how getting a DUI in Indiana can impact auto insurance rates.

Car insurance company Indiana average annual premium for full coverage before a DUI Indiana average annual premium for full coverage after a DUI % difference
USAA $834 $1,306 57%
State Farm $913 $1,560 71%
American Family $993 $2,195 121%

Drivers convicted of a DUI in Indiana will also need to ask their insurance company to file a certificate of financial responsibility (SR-22) with the DMV to legally drive.

Insurance rates for teen drivers

Car insurance premiums for parents who add teen drivers to their policies in Indiana are higher than average.

Car insurance company Average annual premium for full coverage
USAA $2,294
State Farm $2,606
American Family $3,473

*16-year-old on their parent’s policy

Getting quotes from multiple carriers is often the best way to find the cheapest car insurance.

Who is a high-risk driver?

Insurance companies consider drivers with a DUI conviction or with more than one accident or moving violation to be high-risk drivers. High-risk drivers come in all ages and experience levels.

Indiana could suspend your license if you accumulate 20 or more points within a 24-month period. The number of points you receive for an at-fault accident, speeding ticket or DUI conviction will likely depend on the specific circumstances of your infraction.

How to lower your rate if you’re a high-risk driver

High-risk drivers face limited carrier options and costlier premiums. One way to offset the limited choices is by finding ways to decrease the cost of coverage:

  • Compare multiple carriers to find the cheapest coverage based on your needs.
  • Apply as many discounts as possible, such as low mileage, student driver or multi-line discounts.
  • Complete an approved traffic school course to keep points off your driving record.
  • Increase your full coverage deductibles to the highest amount you can afford.
    Saving as little as 5-10% on your car insurance could translate to hundreds of dollars over time.

Saving as little as 5 to 10 percent on your car insurance could translate to hundreds of dollars over time.

Frequently asked questions

What is an SR-22?

An SR-22 is a certificate of financial responsibility that confirms you have the minimum amount of car insurance required to drive. It’s a form filed by your insurance company with the DMV on your behalf.

Do I need extra auto insurance if I’m a high-risk driver?

All Indiana drivers are required to have liability insurance with minimums of $25,000 in bodily injury and death per person, $50,000 total per accident and $25,000 in property damage.

How many points do I get in Indiana if I cause an accident?

Indiana assigns points based on the specific circumstances of your crash. For example, you may have more points assessed if you were speeding or intoxicated at the time of a crash. The DMV may suspend or revoke your license after you have 20 points on your record.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is a former insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Writer & Editor