It’s impossible to miss the catchy commercials from auto insurance companies like Liberty Mutual, Farmers, and Nationwide that make claims of the cheapest price, so you just need to pick the one with the best commercial, right?
It’s not that simple, unfortunately, as there are a whole slew of unknown aspects like whether you just need liability insurance, the neighborhood you live in, and whether you are male or female, that all factor into the price you pay. The content below covers the different ways to avoid overpaying and should give you a good start in finding the cheapest insurance.
The type of vehicle on the policy is one of the biggest factors that determines if you can find the cheapest insurance for drivers with a DUI. Vehicles with lots of speed or power, a lack of advanced safety features, or high incidents of liability claims will cost significantly more to insure than safer models. The table below features coverage prices for a selection of the most economical automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,552 |
| Ford Escape XLT 2WD | $1,562 |
| Honda CR-V EX-L 4WD | $1,740 |
| Toyota RAV4 4WD | $1,841 |
| Chevrolet Malibu Hybrid | $1,847 |
| Toyota Prius | $1,846 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,884 |
| Ford Explorer XLT 4WD | $1,907 |
| Toyota Tacoma 4WD | $1,912 |
| Honda Civic LX 4-Dr Sedan | $1,910 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,916 |
| Ford Focus S 4-Dr Sedan | $1,926 |
| Toyota Corolla S | $1,945 |
| Chevrolet Impala LTZ | $1,954 |
| Jeep Grand Cherokee Laredo 2WD | $1,966 |
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Data variables include single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in specific garaging location which can revise insurance rates greatly.
Based upon these rates, you can assume that models like the Honda Accord, Ford Escape, Honda CR-V, Toyota RAV4, and Chevrolet Malibu are likely to be a few of the more affordable vehicles to insure after getting a DUI. The price of auto insurance will be more costly just because there is more inherent risk for drivers with a DUI, but in general those makes and models will probably have the lowest prices possible.
After getting a DUI, one of the more important things that help determine the annual cost of car insurance is the neighborhood you call home in Indianapolis. More populated areas tend to have more expensive auto insurance rates, whereas less populated areas benefit from lower coverage costs.
The table below sorts the highest-priced areas in Indiana for drivers with a DUI in which to purchase auto insurance. Indianapolis is listed at #9 having an annual price of $1,050 for the average insured, which is approximately $88 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Gary | $1,388 |
| 2 | Hammond | $1,275 |
| 3 | Merrillville | $1,128 |
| 4 | Portage | $1,126 |
| 5 | Lawrence | $1,088 |
| 6 | Evansville | $1,077 |
| 7 | New Albany | $1,070 |
| 8 | Terre Haute | $1,067 |
| 9 | Indianapolis | $1,050 |
| 10 | Jeffersonville | $1,038 |
| 11 | Anderson | $1,031 |
| 12 | Kokomo | $1,011 |
| 13 | Bloomington | $998 |
| 14 | Elkhart | $995 |
| 15 | Fort Wayne | $976 |
| 16 | Mishawaka | $974 |
| 17 | Richmond | $964 |
| 18 | Noblesville | $958 |
| 19 | South Bend | $956 |
| 20 | Columbus | $955 |
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Rates are estimated as specific location information can raise or lower prices noticeably.
Trying to buy cost effective auto insurance is not the easiest thing to do, and deciding which companies have the cheapest insurance rates for drivers with a DUI takes even more rate comparisons. Every car insurance company has a unique formula for setting rates, so let’s begin by examining the insurance companies that tend to be cheaper in Indianapolis, IN.
It’s important that you understand Indianapolis, IN insurance rates are calculated based on many things which can substantially change the price of your policy. Getting older, buying higher coverage limits, or getting a couple of tickets can trigger rate changes resulting in some companies being more affordable than before.
Find the Cheapest Car Insurance after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $614 |
| 2 | USAA | $667 |
| 3 | Cincinnati Insurance | $684 |
| 4 | Erie | $712 |
| 5 | Western Reserve | $872 |
| 6 | Indiana Farmers Mutual | $875 |
| 7 | The Hartford | $889 |
| 8 | Auto-Owners | $915 |
| 9 | Nationwide | $940 |
| 10 | Motorists Mutual | $956 |
| 11 | Utica National | $956 |
| 12 | State Farm | $957 |
| 13 | Hastings Mutual | $973 |
| 14 | Safeco | $1,003 |
| 15 | Westfield | $1,061 |
| 16 | Farmers | $1,064 |
| 17 | Wolverine Mutual | $1,072 |
| 18 | Progressive | $1,095 |
| 19 | State Auto | $1,098 |
| 20 | GEICO | $1,133 |
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Travelers offers some of the best car insurance rates in Indianapolis at around $614 a year. This is $626 less than the average policy premium paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve would also be considered some of the cheapest Indianapolis, IN insurance companies.
As illustrated above, if you buy coverage from Erie and switched to USAA, you could see savings of around $45. Indiana drivers with Western Reserve might save as much as $205 a year, and Indiana Farmers Mutual insureds might see rate reductions of $208 a year.
It’s important to note that these premiums are averaged for all insureds and vehicles and and are not figured with an exact vehicle garaging location for drivers with a DUI. So the company that fits your age and vehicle best may not even be in the top 36 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
Reckless driving habits raise insurance rates
In a perfect world, the best way to maintain the cheapest insurance prices after getting a DUI is to be a good driver and have a clean driving record. The chart below highlights how speeding tickets and at-fault accidents can affect annual premium costs for each different age group. The premiums assume a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
The data above shows the average cost of an auto insurance policy in Indianapolis per year with no accidents and a clean driving record is $2,009. Factor in two speeding tickets and the average cost surges to $2,662, an increase of $653 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of insurance for drivers with a DUI jumps again to an average of $5,057. That’s an increase of $3,048, or $254 per month, just for not paying attention while driving!
Rate comparison of full coverage and liability-only
Finding cheaper insurance is important to the majority of drivers, and an effective way to pay lower rates for insurance for drivers with a DUI is to not insure for full coverage. The diagram below illustrates the comparison of insurance costs with liability coverage only compared to full coverage. The information is based on no violations or claims, $500 deductibles, drivers are not married, and no policy discounts are applied.
If all age groups are averaged, full coverage costs an extra $1,798 per year over and above liability only. That proposes the question if you should buy full coverage at all. There is no definitive guideline of when to phase out full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
There are a few situations where removing full coverage is not advised. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.
Discount Indianapolis car insurance
Insurance companies that provide coverage for drivers with a DUI may additionally offer special discounts that could potentially reduce rates by as much as 35% or more if you meet eligibility requirements. A list of companies and a selection of discounts can be found below.
- Progressive discounts include online quote discount, continuous coverage, multi-vehicle, online signing, homeowner, and good student.
- SAFECO may offer discounts for anti-theft, accident prevention training, anti-lock brakes, bundle discounts, teen safe driver, teen safety rewards, and multi-car.
- American Family has savings for bundled insurance, accident-free, early bird, TimeAway discount, and good student.
- MetLife may have discounts that include accident-free, defensive driver, good student, good driver, and multi-policy.
- GEICO includes discounts for military active duty, seat belt use, driver training, five-year accident-free, emergency military deployment, and daytime running lights.
- The Hartford may include discounts for bundle, defensive driver, anti-theft, air bag, and vehicle fuel type.
The example below visualizes the comparison of insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, three violations and no at-fault accidents, Indiana state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, multiple policy, continuous coverage, anti-theft, marriage, and vehicle safety discounts applied. When discounts are applied, theaverage yearly reduction on insurance for drivers with a DUI is 28% or $617.
Your low-price policy may be costing you money
Indianapolis, IN insurance rates are impacted by many things that can increase the price you have to pay. Simply having a birthday, buying a different vehicle, or getting a driving violation can cause premium changes that may make certain companies more affordable than the competition. Also, car insurance companies modify pricing every year or even multiple times each year in order to protect their financial rating. Higher than usual claims can result in price increases, while a better loss history may result in more affordable Indianapolis car insurance rates.
For example, the data below shows rates for the cheapest car insurance in Indianapolis, IN for a 40-year-old female driver with no accidents or violations, and a decent credit rating. If we look at prices based on her personal profile, Travelers offers the best car insurance rates in Indianapolis at $730 a year. This is $510 less than the average premium paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve also make the list of the cheapest Indianapolis, IN auto insurance companies.
The chart below compares rates after we give the driver from above a claim, bad credit, and a traffic citation. Because every insurance company has their own guidelines for determining rates in each state, comparing insurance quotes most likely will result in a different ranking of the cheapest Indianapolis car insurance companies as shown below.
The Hartford now has the best insurance rate in Indianapolis, IN with Auto-Owners, Nationwide, USAA, and Motorists Mutual also being competitive. This example illustrates why it is crucial to compare lots of rates when trying to get the best car insurance rates for drivers with a DUI. Prices are made up of many factors and change dramatically, so the lowest-price company the last time you compared rates may now be wasting a lot of money.