Cheapest Car Insurance Quotes for Drivers with a Bad Driving Record in Indiana

When shopping for cheaper car insurance for bad drivers, one of the many things that impact the price of your policy is where you keep your vehicle in Indiana. More densely populated places like Gary, Portage, and Indianapolis tend to pay slightly more, whereas areas with less congestion have the benefit of cheaper auto insurance prices.

The information below sorts the most costly cities in Indiana for drivers with a bad driving record to buy car insurance in.

Information shown are approximated as specific Indiana garaging address can raise or lower price quotes significantly.

The type of vehicle needing coverage is a significant factor when looking for the cheapest car insurance for drivers with a bad driving record in Indiana. Vehicles with more horsepower, poor safety ratings, or a high likelihood of having liability claims will cost substantially more to insure than more modest models.

The data below features coverage premiums for a selection of the most budget-friendly vehicles to insure in Indiana.

Table data represents married male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Prices do not factor in your specific Indiana location which can affect price quotes greatly.

Looking at the numbers, cars like the Jeep Wrangler, Ford Escape, and Honda CR-V are going to be some of the most affordable vehicles to insure for bad drivers. The price for an auto insurance policy will be higher anyway because of the fact that there is more inherent risk for drivers with a bad driving record, but generally speaking those makes and models will probably have the best rates compared to all other vehicles.

Indiana auto insurance companies ranked

Finding the top insurance provider can be difficult considering how many companies there are in Indiana. The rank data shown below can help you choose which car insurance providers you want to consider when shopping car insurance rates for drivers with a bad driving record.

These ratings only include large insurance companies, so smaller regional companies are not taken into consideration for this list. To check rates from these top-rated insurers and more, simply click here.

Top 10 Major Auto Insurance Providers in Indiana Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Titan Insurance
6. Travelers
7. Liberty Mutual
8. GEICO
9. Erie Insurance
10. Allstate

Top 10 Major Auto Insurance Providers in Indiana Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Erie Insurance
5. State Farm
6. Liberty Mutual
7. Safeco Insurance
8. Allstate
9. 21st Century
10. Travelers

Discounts on Indiana auto insurance rates

Insurance providers that offer the cheapest car insurance for drivers with a bad driving record in Indiana may also offer special discounts that could lower prices by as much as 40% or more if you are eligible. A list of auto insurance companies and their possible discounts can be read below.

• Progressive may have discounts that include multi-vehicle, multi-policy, online signing, good student, continuous coverage, and online quote discount.
• GEICO offers premium reductions for seat belt use, defensive driver, membership and employees, driver training, and anti-lock brakes.
• State Farm policyholders can earn discounts including driver’s education, multiple autos, multiple policy, accident-free, good student, and good driver.
• Esurance has discounts for DriveSense, good driver, online quote, claim free, Pac-12 alumni, and renters.
• The Hartford has savings for vehicle fuel type, good student, air bag, bundle, defensive driver, and driver training.

The diagram below visualizes the comparison of yearly insurance costs with and without discounts applied. The information is based on a female driver, three citations and two at-fault accidents, Indiana state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, anti-theft, paid-in-full, homeowner, paperless filing, and multiple vehicle discounts applied. In this example, the the average yearly reduction on auto insurance for drivers with a bad driving record is 28% or $1,646.

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Cheapest insurance quotes for bad drivers

There are many ways to get cheap auto insurance quotes in Indiana, but the most prevalent methods are through a non-exclusive or independent agent, an exlusive agent such as Liberty Mutual or Allstate, or from a direct company like Progressive or Geico. Each way has the same basic steps, but it’s important to understand the differences in how they price policies.

Independent insurance agents are appointed by several companies and can provide price quotes from every one. These agents are usually affiliated with several companies and can provide multiple price quotes, which can help you get the best chance of saving money. If the agent locates a cheaper price, your agent can just switch to a different company and you won’t have to switch agencies.

An exlusive, or captive, agency is restricted to quoting rates for a single insurance company, two of the more popular are a State Farm or Liberty Mutual agent. This type of agents cannot give you multiple price quotes, which will not provide a complete price comparison.

Consumers who buy auto insurance direct forego the middleman (the agent) and instead shop buying direct from a company like Geico or Progressive. Buying direct is good for consumers who have little risk and understand the limitations of auto insurance.

So out of those three methods, which one works best for finding the cheapest car insurance for drivers with a bad driving record in Indiana? It would be premature to say buying direct saves money because there isn’t an agent involved, but unfortunately, it’s not that simple. An argument could also be made that going through an independent agent results in the cheapest rates due to more options, but that is not accurate either. For the right applicant, exclusive agencies have very competitive rates that are impossible to beat.

Since auto insurance rates vary so much, really the only way to ensure the lowest rates is to get rate quotes and compare. In a perfect world, youll get price quotes from independent, exclusive, and direct in order to have the best selection to choose from. For a list of companies with online discounts, click here to view.

How to find low-cost auto insurance for drivers with a bad driving record

It is possible to find better rates, and here are some money-saving suggestions that can help Indiana drivers locate low-cost auto insurance.

• Claim-free policyholders usually earn a discount
• You will pay more if you get tickets or have at-fault accidents
• Lower rates by purchasing a safer vehicle
• Accident-free drivers may qualify for discounts
• Good credit can mean cheaper rates
• Shop around for cheaper prices

The last idea is particularly necessary, as was noted in this piece. Car insurance prices in Indiana fluctuate constantly, so don’t be unwilling to switch to a new company if a lower-cost policy is available.

Staying with the same company for years is fine, but is isn’t recommended if that devotedness results in you overpaying thousands of dollars over the life of your policy. Now is a great time to compare rates to find cheaper insurance for drivers with a bad driving record.