Cheap Auto Insurance for Drivers with a DUI in Indiana

When shopping for the cheapest car insurance after getting a DUI, one of the many factors that help determine the amount you pay for auto insurance is where your home is located in Indiana. Cities with larger populations like Gary, Merrillville, and Jeffersonville are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.

The information below sorts the most expensive cities in Indiana for drivers with a DUI to purchase car insurance in.

Rates are approximated as the specific zip code location can increase or decrease price quotes noticeably.

We all have different tastes in cars, and the vehicle you are buying coverage for is one of the biggest factors when comparison shopping for cheap auto insurance for drivers with a DUI in Indiana. Vehicles with reasonable performance levels, a plethora of safety features, or a low likelihood of having liability claims will cost substantially less to insure than fast, unsafe models. The information below illustrates insurance prices for the cheaper vehicles to buy coverage for.

Data rating is based on single female driver age 30, two speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can revise prices substantially.

Premium data assumes single female driver age 30, two speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in specific Indiana garaging location which can raise or lower coverage prices considerably.

Data based on single female driver age 30, two speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Table data does not factor in specific location which can raise or lower coverage prices noticeably.

Trying to find reasonably-priced auto insurance is not always easy, and finding out which companies have the most affordable car insurance rates for drivers with a DUI will take even more work. Insurance prices will probably be significantly more expensive than the average rate in Indiana due to the added risk related to selling insurance after getting a DUI, but competitively-priced insurance may be available if you carefully shop around. Each insurer has their own process to set their prices, so let’s take a look at the car insurance companies with the most affordable rates in Indiana.

It’s important to know that Indiana car insurance rates are impacted by many factors which can substantially decrease or increase the policy premium. This price variability is why consumers need to take the time to perform an extensive rate comparison to get cheap car insurance quotes for drivers with a DUI. Insurance prices are influenced by many risk factors and change frequently, so the cheapest option a year ago may now be an over-priced policy.

Best Auto Insurance Prices after a DUI

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Travelers normally has some of the lowest car insurance rates in Indiana at around $614 per year. Cincinnati Insurance, USAA, Erie, and Western Reserve are also some of the best Indiana insurance companies.

As illustrated above, if you have coverage with USAA and switched to Travelers, you might realize annual savings of approxmiately $67. Drivers with Erie may save as much as $119 a year, and Western Reserve insureds might realize rate reductions of up to $224 a year.

To discover how much you can save, click here to start your custom quote or quote rates from the companies below.

It’s important to note that these policy prices are averaged for all drivers and vehicles and and are not calculated with a price surcharge for drivers with a DUI. So the auto insurance company that can offer you the best price may not even be shown in the above list. That’s why you need to get rate quotes using your own individual information.

Responsible drivers pay cheaper car insurance rates

The easiest method to snag cheap auto insurance for drivers with a DUI in Indiana is to drive cautiously and not receive tickets or have accidents. The illustration below demonstrates how citations and accidents increase car insurance rates for different insured age categories. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

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The data above shows the average cost of an auto insurance policy in Indiana per year with no violations or accidents is $985. Get written up for one speeding ticket and the average cost rises to $1,148, an increase of $163 each year. Then add in one accident along with the one speeding ticket and the annual cost of car insurance for drivers with a DUI increases to an average of $1,601. That’s an increase of $616, or $51 per month, just for not driving responsibly!

Get discounts on Indiana car insurance

Auto insurance companies that offer cheap auto insurance for drivers with a DUI in Indiana may also offer premium discounts that can reduce rates by as much as 30% if you qualify for them. Large car insurance companies and a partial list of their discounts can be found below.

The information below visualizes the comparison of insurance rates with and without some available policy discounts. The data is based on a male driver, three citations and no at-fault accidents, Indiana state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with paid-in-full, multiple policy, continuous coverage, paperless filing, multiple vehicle, and homeowner discounts applied. In this example, the the average yearly reduction on car insurance for drivers with a DUI is % or $.

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