Cheap Auto Insurance for High-Risk Drivers in Indiana (10 Most Affordable Companies in 2024)
State Farm, USAA, and Progressive are the top picks for cheap auto insurance for high-risk drivers in Indiana. At the cheapest high-risk Indiana insurance companies, minimum coverage rates start at $23/mo. High-risk Indiana drivers may have to pay more for full coverage if their car is leased.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Aug 26, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Min. Coverage for High-Risk in IN
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6,435 reviews
13,128 reviewsCompany Facts
Min. Coverage for High-Risk in IN
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsState Farm, USAA, and Progressive are the top companies for cheap auto insurance for high-risk drivers in Indiana.
Other cheap auto insurance companies for high-risk drivers in Indiana include popular companies like Geico and American Family.
Our Top 10 Company Picks: Cheap Auto Insurance for High-Risk Drivers in Indiana
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $24 | B | Customer Service | State Farm |
 | #2 | $23 | A++ | Military Members | USAA |
 | #3 | $32 | A+ | Budgeting Tool | Progressive |
 | #4 | $37 | A | Policy Options | Farmers |
 | #5 | $47 | A++ | Online Convenience | Geico |
 | #6 | $48 | A+ | Widespread Availability | Nationwide |
 | #7 | $63 | A+ | Infrequent Drivers | Allstate |
 | #8 | $70 | A | SR-22 Filing | The General |
 | #9 | $71 | A | Costco Members | American Family |
 | #10 | $157 | A | Bundling Discount | Liberty Mutual |
High-risk auto insurance is expensive, but drivers who take the time to shop at affordable companies will get better rates. Read on for more information about the cheapest high-risk auto insurance companies in Indiana.
You can also enter your ZIP code in our free quote tool to shop for cheap high-risk insurance today.
- State Farm has the cheapest auto insurance for high-risk drivers in Indiana
- USAA and Progressive are also affordable options for high-risk drivers
- High-risk drivers in Indiana can save by applying for auto insurance discounts
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#1 – State Farm: Top Pick Overall
Pros
- Customer Service: High-risk drivers in Indiana can visit local agents for assistance. For more information, visit our State Farm review.
- Bundling Discount: Indiana high-risk auto insurance can be bought with home insurance.
- Online Claims: High-risk Indiana drivers who get in an accident can file a claim online with State Farm.
Cons
- Financial Stability: A “B” rating from A.M. Best means State Farm isn’t the most financially stable high-risk company in Indiana.
- Coverage Options: State Farm offers fewer add-on coverage to high-risk Indiana drivers.
#2 – USAA: Best for Military Members
Pros
- Military Members: USAA has the best prices and perks for military and veteran high-risk drivers in Indiana.
- Customer Service: High-risk drivers in Indiana will receive excellent customer service, as you can see in our USAA review.
- Bundling Discount: High-risk customers can save by bundling Indiana policies at USAA.
Cons
- Coverage Options: USAA offers fewer auto insurance coverage options to Indiana high-risk drivers than other companies on our list.
- Limited Local Offices: Indiana high-risk customers will have little to no access to in-person assistance.
#3 – Progressive: Best for Budgeting Tool
Pros
- Budgeting Tool: High-risk Indiana customers can determine what coverages they can afford with Progressive’s free budgeting tool.
- Snapshot Program: High-risk drivers can prove their good driving skills and save on Indiana car insurance.
- Coverage Options: Progressive has numerous coverage choices for high-risk Indiana car insurance policies. Learn what Progressive sells in our Progressive review.
Cons
- Snapshot Rate Changes: High-risk drivers should avoid Snapshot if they don’t have good driving habits, as poor driving could raise rates.
- Claims Satisfaction: Reviews vary, so high-risk Indiana drivers may not be completely satisfied with the claims service.
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#4 – Farmers: Best for Policy Options
Pros
- Policy Options: Farmers has multiple types of policies, which high-risk Indiana customers can bundle to lower rates.
- Local Support: Most Indiana high-risk drivers will be able to visit a local agent for assistance.
- Coverage Options: There are multiple high-risk auto insurance options for Indiana drivers. Learn more in our Farmers review.
Cons
- Customer Satisfaction: With varying reviews, not all high-risk customers in Indiana will be pleased with services.
- Accident Forgiveness Costs Extra: High-risk drivers in Indiana will have to pay a fee to qualify for accident forgiveness.
#5 – Geico: Best for Online Convenience
Pros
- Online Convenience: High-risk Indiana drivers can conveniently manage their auto insurance online.
- Discount Variety: High-risk Indiana policy rates can be reduced with Geico’s numerous saving opportunities.
- Financial Stability: High-risk policies will be backed by a financially stable company at Geico. Learn more in our Geico review.
Cons
- No Local Agents: Indiana high-risk drivers will receive customer service support online or over the phone.
- Coverage Options: Geico has fewer coverages that can be added to high-risk Indiana policies.
#6 – Nationwide: Best for Widespread Availability
Pros
- Widespread Availability: Indiana high-risk drivers who must move out of state should be able to keep Nationwide as a provider.
- Bundling Discount: High-risk Indiana auto insurance can be bought with home or renters insurance.
- Online App: Customers can manage their Indiana high-risk insurance policies online.
Cons
- Customer Service: Nationwide’s customer service isn’t as good as some other high-risk Indiana companies on our list. Learn more in our Nationwide review.
- No Rideshare Insurance: High-risk drivers in Indiana who drive for Lyft or Uber can’t get coverage from Nationwide.
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#7 – Allstate: Best for Infrequent Drivers
Pros
- Infrequent Drivers: Allstate offers slightly lower high-risk Indiana rates to infrequent drivers.
- Coverage Options: Numerous coverages are available for high-risk Indiana drivers. Read our Allstate review to learn what coverages you can buy.
- Online App: High-risk Indiana customers can manage their policies online with Allstate’s app.
Cons
- Milewise Not in Indiana: Allstate doesn’t offer Milewise in Indiana, so high-risk drivers with low mileage can’t save with Milewise.
- Customer Complaints: Allstate has a higher ratio of complaints than other high-risk Indiana companies on our list.
#8 – The General: Best for SR-22 Filing
Pros
- SR-22 Filing: The General files SR-22 forms for high-risk drivers in Indiana. Learn more in our review of The General.
- Mobile App: The General’s free app helps customers manage their high-risk Indiana insurance online.
- Discount Options: High-risk customers in Indiana can apply for various discounts.
Cons
- Fewer Coverages: The General has fewer coverage options for high-risk Indiana drivers than other companies on our list.
- Customer Satisfaction: The General’s ratings are less favorable than other high-risk Indiana companies.
#9 – American Family: Best for Costco Members
Pros
- Costco Members: Indiana high-risk drivers can buy coverage through Costco for a better deal on rates.
- Coverage Options: See what coverages are offered to high-risk Indiana drivers in our American Family review.
- Discount Options: American Family customers can save on high-risk Indiana insurance with some of the company’s discount options.
Cons
- Online Management Cabilibilites: Indiana high-risk customers may find online management lacking at American Family.
- Claims Handling: Based on prior customer reviews, not all Indiana high-risk drivers will be satisfied with claims services.
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#10 – Liberty Mutual: Best for Bundling Discount
Pros
- Bundling Discount: High-risk Indiana car insurance rates could be cheaper if customers bundle policies.
- Coverage Options: Learn what Liberty Mutual offers to high-risk Indiana drivers, such as roadside assistance, in our Liberty Mutual review.
- Online Management: High-risk Indiana policies can be managed online at Liberty Mutual.
Cons
- Customer Satisfaction: Compared to other high-risk Indiana companies on our list, Liberty Mutual isn’t the highest-ranked for customer service.
- Slow Claims Processing: High-risk Indiana driver claims could take longer to process.
Indiana High-Risk Driver Auto Insurance Rates by Coverage
The table below displays the average price differences between full and minimum coverage at our top 10 cheapest companies. Minimum coverage may seem like a no-brainer because it is much cheaper, but bear in mind that it doesn’t offer financial protection for your own vehicle in the event of an accident.
Indiana High-Risk Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $63 | $184 |
| American Family | $71 | $206 |
| Farmers | $37 | $108 |
| Geico | $47 | $135 |
| Liberty Mutual | $157 | $455 |
| Nationwide | $48 | $140 |
| Progressive | $32 | $92 |
| State Farm | $23 | $70 |
| The General | $70 | $175 |
| USAA | $24 | $69 |
All Indiana drivers, regardless of whether they are high-risk or low-risk drivers, must carry Indiana minimum auto insurance that meets the state’s auto insurance requirements.
However, Indiana drivers with a leased vehicle will have to splurge on full coverage auto insurance, as lenders want complete protection on their assets.
Full coverage in Indiana includes collision and comprehensive coverages, which will pay for high-risk drivers' vehicle repairs in accidents involving other vehicles, objects, animals, and more.Dani Best Licensed Insurance Producer
If you want full coverage but want to ensure you score the cheapest rate possible, read on to learn how to save on high-risk auto insurance in Indiana.
Read More: Do I need full coverage insurance to finance a car?
How to Save on High-Risk Driver Auto Insurance in Indiana
Shopping at the cheapest high-risk Indiana companies and applying for discounts at the cheapest companies will help customers save. Some of the biggest auto insurance discounts you’ll find are listed below.
A multi-policy discount, also known as a bundling discount, is an easy way to save on auto insurance and is one of the top ways high-risk Indiana drivers can save.
The most common bundling discount is auto insurance combined with either home or renters insurance. However, some Indiana auto insurance companies may offer other combinations.
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Finding Cheap Indiana High-Risk Driver Auto Insurance for You
State Farm, USAA, and Progressive offer the cheapest insurance for high-risk drivers in Indiana. These companies not only have cheap rates to start with, but they also offer opportunities for high-risk drivers to save and plenty of different types of auto insurance to personalize policies.
Ready to shop for cheap, high-risk auto insurance in Indiana? Compare quotes today with our free quote tool to score the best deal on Indiana insurance.
Frequently Asked Questions
What is the best company for high-risk drivers in Indiana?
State Farm is the best company for high-risk drivers in Indiana, as it has the lowest rates.
Do Indiana high-risk drivers pay lower insurance premiums?
No, high-risk drivers actually pay higher insurance premiums, as they are more at risk of filing a claim.
Who has the cheapest full coverage insurance in Indiana?
High-risk drivers will find the cheapest full coverage rates at USAA. Not all Indiana drivers will need to carry full coverage, such as if they have older vehicles that don’t have a loan or lease (Read More: What are the recommended auto insurance coverage levels?).
What defines a high-risk driver?
A high-risk driver is a driver more likely to get into a car accident and file a claim. Examples of high-risk drivers include new drivers, drivers with DUIs, drivers with multiple at-fault accidents, and drivers with multiple tickets.
Why do insurance companies charge more if you are high-risk?
Insurance companies charge high-risk drivers more because they are taking on more financial risk by insuring high-risk drivers. To find cheap car insurance for high-risk drivers in Indiana, use our free quote tool.
Who do auto insurance companies see as the highest risk?
Auto insurance companies usually label DUI drivers as the highest-risk drivers, which makes it harder to find cheap auto insurance after a DUI.
How long does a DUI stay on your record for insurance in Indiana?
A DUI stays on a driver’s record for three to five years.
How many accidents are considered high-risk?
Generally, more than one at-fault accident will put a driver in a high-risk category.
Can an insurance company refuse to renew a high-risk policy?
Can an auto insurance company deny you coverage? Yes, insurance companies can refuse to renew high-risk drivers. If high-risk drivers can’t find an insurance company to insure them, they will have to apply for Indiana’s high-risk state insurance.
Is it hard to get coverage after being dropped by an Indiana auto insurance company?
Yes, it can be hard to get auto insurance if your company drops you. If you can’t find an insurance company to insure, you’ll have to get state coverage.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
