Updated: October 31, 2024
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If you are looking for the best car insurance for DUI offenders in Indiana, MoneyGeek recommends Erie Insurance for both full and minimum coverage policies. However, if cost is your main concern, American Family offers the cheapest maximum coverage after a DUI, while Progressive offers the cheapest minimum coverage after a DUI. In the table below, you can compare prices for various policy types.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Regardless of the state in which you live, car insurance companies are legally permitted to deny coverage to drivers who have a DUI conviction on their record. If your insurance company chooses to renew your policy following a DUI, your rates will climb dramatically, because drivers convicted of DUI are deemed high-risk.
MoneyGeek's statistics indicate that Indiana drivers with a DUI pay approximately 51.57% more for a full coverage insurance policy than drivers without a DUI.
Through a nationwide comparison, MoneyGeek discovered that Progressive and State Farm offer the most affordable auto insurance policies after a DUI. In Indiana specifically, American Family and Progressive offer the cheapest premiums for DUI-convicted drivers.
MoneyGeek discovered that the following offer the lowest full coverage car insurance rates for drivers with a DUI in Indiana:
| 1 | American Family | $826 |
| 2 | Progressive | $838 |
| 3 | Erie | $887 |
| 4 | State Farm | $1,001 |
| 5 | Allstate | $1,188 |
MoneyGeek’s data shows that the following companies offer the cheapest minimum coverage policies for DUI offenders in Indiana:
| Progressive | $435 |
| Erie | $484 |
| State Farm | $521 |
| American Family | $553 |
| GEICO | $646 |
| Farmers | $651 |
| United Farm Bureau of IN Group | $736 |
| Allstate | $751 |
Minimum coverage is typically the least expensive type of automobile insurance available. However, state-mandated minimums for auto insurance are sometimes insufficient to protect you financially in the event of an accident.
MoneyGeek rated insurance companies on pricing, financial stability, and customer satisfaction to help you find the best policy for your needs. Erie is the best auto insurance company for someone with a DUI in Indiana who wants full coverage. For minimum coverage, Progressive is MoneyGeek’s top pick.
American Family and Progressive are the top two full coverage car insurance suppliers for DUI offenders in Indiana. Dive into our rankings and the table below to learn more about each insurer.
Typical drivers with American Family pay $790 annually for full coverage insurance, while drivers with DUIs pay $826, a 4.64% increase.
Operating in 19 states, American Family is a top-rated car insurance provider. The company offers a wide range of loyalty and legacy discounts but does not offer common add-on coverages.
A Progressive full coverage policy costs approximately $626 per year for drivers with no DUI, while drivers with a DUI pay about $838, a 33.88% increase.
Progressive is available in 48 states and offers unique coverages like custom parts and equipment. Although Progressive is expensive for young drivers, it provides various discounts, such as multiple cars, bundling, good student, safe driving, pay-in-full and others.
Although policies with minimum coverage are the least expensive, they may not provide the coverage you need to be protected financially. If you decide to purchase a minimum coverage policy, MoneyGeek has identified the following companies as the best options.
A minimum coverage policy from Erie Insurance for those without a DUI costs around $290 per year, while DUI offenders pay around $484 annually, a 62.51% increase.
Erie Insurance offers cheap full and minimum coverage plans to all drivers, including new drivers and those with past convictions. It also provides superior car replacement coverage as an add-on, which is not a standard insurance offering.
A policy with Progressive can cost around $344 each year for non-DUI drivers, while drivers with a DUI pay about 33.88% more or about $435 annually.
Progressive is a well-ranked company that tends to be more expensive for newer drivers. The company offers excellent discounts and coverage for custom parts.
In Indiana, the average cost of car insurance increases by approximately 51.57% following a DUI. If you have a DUI, a full coverage policy costs an average of $1,099 per year, compared to $725 for drivers without DUIs. MoneyGeek outlines how and why your Indiana auto insurance premiums may vary following a DUI conviction.
How long does a DUI affect the cost of your car insurance?
The amount of time a DUI conviction remains on your record is known as a look-back period. The length of the look-back varies by state. In DUI cases, Indiana employs two distinct look-back periods of five and 10 years, depending on the number of DUIs a person is charged with over time and whether they’ve endangered someone else.
Full Coverage
$725
Full Coverage
$1,099This is 52% more expensive.
The cost of your Indiana auto insurance will increase after a DUI because you’re deemed a high-risk driver. Utilize MoneyGeek's car insurance calculator below to approximate how your premiums may change following a DUI conviction.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 12, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
While you may face an increase in car insurance rates after a DUI conviction, other DUI-related costs can increase dramatically:
Since most insurance companies are privately owned, they have the legal right to cancel or refuse to renew coverage for persons with DUIs. Obtaining insurance after a DUI in Indiana can be particularly difficult due to the five to 10-year look-back period. Policies will be expensive, but you can still shop around and compare prices to choose the insurance provider that best meets your needs.
In Indiana, drivers convicted of high-risk offenses, such as reckless driving or DUI, must obtain SR-22 insurance. With this type of insurance, the insurer submits an SR-22 form to the state certifying that the driver carries sufficient coverage to meet the state's minimum requirements.
SR-22 insurance in Indiana is identical to standard auto insurance, except it’s more expensive. Progressive offers the lowest-priced policies, at an average of $435 per year for a driver with an SR-22 certificate. Conversely, at $751 per year, Allstate offers the most costly SR-22 coverage.
Those convicted of a DUI in Indiana may lose their driving privileges, pay hefty fines and do time in prison. In Indiana, a DUI conviction will remain on your criminal record in perpetuity and count as a prior offense. Conversely, if the offender has prior convictions within the last five years, the DUI becomes a felony.
Driving with a BAC at or above 0.08% is considered a DUI
Blood alcohol content (BAC) is the percentage of alcohol in a person’s bloodstream. A BAC level of 0.08% is considered driving under the influence in Indiana, but you can be arrested with a lower BAC if your driving is clearly impaired.
Driving with a BAC of 0.15% will result in increased penalties
Drivers caught with a BAC of 0.15% or above can be charged with a Class A misdemeanor. Drivers who also have a past DUI conviction that resulted in the death, catastrophic injury, or substantial physical injury of another person can be charged with a Level 5 felony.
180-day administrative license suspension on first offense
Indiana's administrative license suspension laws empower officers to seize a driver's license from someone who fails an alcohol test. The suspension period for the first infraction is 180 days.
Limited driving privileges during suspension
After 180 days, you can get a restricted license/permit and drive with limited privileges.
Mandatory ignition interlocks
In Indiana, ignition interlocks are mandatory for repeat convictions.
Open container laws
Yes.
Repeat offender laws
No.
Finding the best auto insurance after a DUI conviction in Indiana can be challenging. MoneyGeek answers some frequently asked questions to assist you with the process.
This depends on your insurance carrier, so it’s best to ask the company directly. According to Indiana law, insurers are not required to continue covering DUI offenders.
In Indiana, rates can climb by 51.57% following a DUI. The average annual cost of full coverage auto insurance after a DUI is $1,099 in the state, compared to $725 for the same coverage without a DUI.
If you are looking for the best car insurance after a DUI in Indiana, MoneyGeek recommends Erie Insurance, which offers full and minimum coverage policies. Meanwhile, American Family offers the cheapest maximum coverage after a DUI, while Progressive offers the cheapest minimum coverage following a DUI.
Depending on where you fall regarding Indiana's look-back period, your auto insurance premiums may be affected for five to 10 years.
If you’ve been convicted of a DUI, locating the best insurance provider can be daunting. MoneyGeek recommends comparing quotes to identify the insurer that best fits your unique circumstances.
To determine the top companies for individuals with DUIs in Indiana, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
