How Much Does Auto Insurance Cost for Drivers with a Bad Driving Record in Indiana?
Enter your Indiana zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 13, 2019
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This would be a really short article if we could simply tell you the one best company that has the cheapest rate quotes in Indiana. It’s not quite that easy, unfortunately, as there are a ton of unknown factors such as whether or not you own a home, how well you maintain your credit, and if you want full coverage, that all help calculate your car insurance rates. We are going to cover the types of situations that result in high rates and will give you a good start in finding the cheapest car insurance.
For bad drivers, one of the big things that is looked at to help calculate insurance cost is where you keep your car in Indiana. Cities with larger populations like Gary, Merrillville, and Indianapolis tend to pay more, whereas areas with less crime or weather claims tend to receive cheaper rates.
The table below illustrates the higher priced cities in Indiana for drivers with a bad driving record in which to buy car insurance.
|Rank||City||Premium Per Year|
|Compare Prices Now Go|
Premium amounts are estimated as the specific area where the vehicle is garaged can alter rates substantially.
The car, truck, or SUV requiring insurance is a large factor when quoting low-cost coverage for drivers with a bad driving record. Vehicles with limited top-end speed, good safety features, or a positive history of liability claims will cost significantly less to insure than higher performance models.
The information below features coverage prices for a handful of the cheaper automobiles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$2,155|
|Ford Escape XLS 4WD||$2,161|
|Honda CR-V EX-L 4WD||$2,184|
|Chevrolet Traverse LS AWD||$2,318|
|Subaru Forester X Premium AWD||$2,350|
|Chevrolet Silverado LS Regular Cab 4WD||$2,389|
|Toyota Highlander 2WD||$2,418|
|Ford Explorer XLT 4WD||$2,427|
|Toyota RAV4 Sport 4WD||$2,554|
|Toyota Sienna LE AWD||$2,560|
|Subaru Outback 3.6R Premium||$2,584|
|Hyundai Tucson GLS 4WD||$2,601|
|Chevrolet Impala LT||$2,676|
|Ford Edge Sport 2WD||$2,688|
|Find Cheaper Rates Go|
Prices above based on single female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Table data does not factor in vehicle garaging location which can impact coverage prices greatly.
Looking at the rates, you can infer that makes and models like the Hyundai Elantra, Ford Escape, Honda CR-V, Chevrolet Traverse, and Subaru Forester are most likely going to be some of the most economical vehicles to insure for bad drivers. Auto insurance rates will be more expensive just because there is more liability exposure for drivers with a bad driving record, but in general those particular models will have the least expensive rates compared to other vehicles.
Comparing quotes for low-cost insurance is confusing at best, and figuring out which company has the lowest-priced insurance rates for drivers with a bad driving record calls for a bit more work. Coverage prices should be quite a bit higher than the average rate in Indiana, with the extra cost attributed to the added risk that comes with offering insurance for bad drivers, but competitive insurance should be obtainable with a little diligence. Each auto insurance company uses their own method to set policy rates, so let’s take a look at the insurance companies that tend to be cheaper in Indiana.
It’s important to know that Indiana insurance rates are based on many factors that may substantially change the cost of coverage. This price fluctuation is why Indiana drivers need to compare as many rates as possible when trying to find the cheapest car insurance quotes for drivers with a bad driving record. Auto insurance prices can be determined by many factors and can change without notice, so the lowest-price company the last time you compared rates may now be one of the more expensive options.
|Rank||Company||Cost Per Year|
|7||Indiana Farmers Mutual||$867|
|Compare Rates Now Go|
Travelers may offer some of the cheapest car insurance rates in Indiana at around $602 per year. Cincinnati Insurance, USAA, Erie, and Western Reserve would also be considered some of the cheaper Indiana insurance companies.
In the above rates, if you buy coverage from Erie and switched to Cincinnati Insurance, you could see savings of approximately $48. Customers with Western Reserve might save as much as $168 a year, and The Hartford insureds might see rate reductions of $177 a year.
If you want to see how much you could save, click here to start your free quote or click through to the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Be aware that those rates are averaged for all insureds and vehicles and do not take into consideration a price surcharge for drivers with a bad driving record. So the car insurance company that can offer you the lowest price may not even be in the list of companies shown earlier. That emphasizes why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
Ending up with the right auto insurance provider can be challenging considering how many different insurance companies sell coverage in Indiana. The company ratings in the next section can help you choose which insurers to look at buying from. The rankings below are only made up of the companies with a significant amount of written premium nationwide, so companies that focus mainly on Indiana business are not included in this list.
Top 10 Major Auto Insurance Providers in Indiana Ranked by Customer Satisfaction
- USAA – 92%
- 21st Century – 88%
- Erie Insurance – 88%
- Nationwide – 88%
- American Family – 88%
- State Farm – 88%
- Progressive – 87%
- Liberty Mutual – 87%
- AAA Insurance – 87%
- The Hartford – 87%
Top 10 Major Auto Insurance Providers in Indiana Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Erie Insurance – A+
- The Hartford – A+
- Progressive – A+
- Nationwide – A+
- Allstate – A+
- Titan Insurance – A+
The chart below highlights how deductible selection can influence insurance premiums when researching cheap insurance for drivers with a bad driving record. The costs are based on a single female driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $222 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $334 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could reduce their rates up to $566 each year by using higher deductibles when buying full coverage.
When increasing deductibles, it is essential to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Discounts on Indiana auto insurance rates
Insurance providers that provide cheap insurance for drivers with a bad driving record in Indiana may have policy discounts that can lower rates by as much as 25% or more if you are eligible. The best insurance companies and some of the discounts are:
- GEICO may include discounts for multi-policy, defensive driver, daytime running lights, anti-theft, membership and employees, federal employee, and five-year accident-free.
- MetLife offers premium reductions for multi-policy, good student, good driver, accident-free, claim-free, defensive driver
- State Farm includes discounts for driver’s education, multiple policy, defensive driving training, Drive Safe & Save, multiple autos, Steer Clear safe driver discount, and anti-theft.
- Progressive has savings for continuous coverage, online signing, homeowner, multi-vehicle, online quote discount, multi-policy, and good student.
- Mercury Insurance offers discounts including age of vehicle, good student, good driver, accident-free, and multi-car.
- 21st Century has discounts for good student, teen driver, theft prevention, air bags, 55 and older, automatic seat belts, and student driver.
- Allstate offers discounts for teenSMART discount, anti-lock brakes, auto/life discount, utility vehicle, new car, and FullPay discount.
The chart below illustrates the comparison of premium costs with and without policy discounts. The premiums assume a female driver, two accidents and three citations, Indiana state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, multiple policy, paperless filing, multiple vehicle, anti-theft, and vehicle safety discounts applied. In this example, the amount saved on insurance for drivers with a bad driving record is 29% or $1,480.
How to get cheap insurance for drivers with a bad driving record in Indiana
The list below summarizes many money-saving ideas that can help Indiana drivers quote more affordable coverage.
- Pay for small claims rather than turning them in to your insurance company
- The safer your car, the less it costs to insure
- Insure your home and auto with the same company
- Do not get traffic citations
- Do not get into accidents
- Compare rates once a year for cheaper prices
The last item on the list is especially necessary, as was discussed in the article above. Car insurance rates in Indiana adjust often, so don’t be unwilling to switch to a new company if you find a better deal. Sticking with a specific company is fine, but is isn’t recommended if that loyalty ends up costing hundreds of dollars year after year. If you have a few minutes, now is a great time to shop around to find cheaper insurance for drivers with a bad driving record.
Who has the cheapest insurance quotes for bad drivers?
Due to technology, there are many ways to buy insurance in Indiana, but the most popular are through an independent agent, an exclusive agency such as Auto-Owners or State Farm, or direct either online or via phone.
Each way has the same basic process, but it’s important to point out the distinctions in how they function.
Independent insurance agents have contracts with many companies and can compare coverage rates with every one. These agents are not limited to a single company and can give you a larger rate selection, which may provide you with the best chance of saving money. If your agent finds better pricing, the business is moved internally which prevents you from having to find an new insurance agent.
Exclusive agents are ‘exlusive’ to a single insurance company, two examples being Allstate or State Farm agents. Exclusive agencies are unable to compare other company’s rates, so if finding the cheapest coverage is your goal, you will need to shop around.
The final way is buying direct, which means you bypass the middleman (the agent) and instead buy from a direct company like Esurance. This option is good for consumers who do not have a lot of assets and understand what specific coverages they need.
Which way works best to find cheap insurance for drivers with a bad driving record in Indiana? The majority of people assume that buying direct results in the best prices because you bypass the middleman, but in reality, that is not the case. It could also be said buying from an independent agent results in the cheapest rates due to having more companies to select from, but that assumption is also not accurate. In the right set of circumstances, the exclusive agents have coverage prices that are well below what direct and independents offer.
Because there is so much variation in insurance prices, the only real way to make sure you’re not overpaying for insurance is to compare lots of quotes. If time allows, get price quotes from independent, exclusive, and direct to get a good idea who is cheapest. To see some of the cheapest online companies available, click here to view.
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