Cheap Auto Insurance for High-Risk Drivers in Indiana (10 Most Affordable Companies in 2026)

State 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

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.

#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.

#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.

#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.

#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

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.

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.

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.