Car Insurance After an Accident in Indiana: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Indiana increases insurance by 38%, raising full coverage from $1,596/year to $2,202/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$133/mo
After At-Fault Accident (+38%)
$184/mo
Cheapest Companies After Accident in Indiana
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $136/mo | $1,629/yr | Military families |
| Erie Insurance | $145/mo | $1,740/yr | Rate lock guarantee |
| GEICO | $150/mo | $1,806/yr | Clean driving record |
| Progressive | $161/mo | $1,938/yr | Telematics savings |
| State Farm | $167/mo | $2,004/yr | Good students |
| Travelers | $174/mo | $2,092/yr | Multiple discounts |
| Nationwide | $191/mo | $2,290/yr | Bundling home + auto |
| Farmers | $198/mo | $2,378/yr | Signal telematics |
| Allstate | $206/mo | $2,466/yr | Accident forgiveness |
| Liberty Mutual | $217/mo | $2,598/yr | New car replacement |
USAACheapest
Monthly
$136/mo
Annual
$1,629/yr
Best for: Military families
Erie Insurance
Monthly
$145/mo
Annual
$1,740/yr
Best for: Rate lock guarantee
GEICO
Monthly
$150/mo
Annual
$1,806/yr
Best for: Clean driving record
Progressive
Monthly
$161/mo
Annual
$1,938/yr
Best for: Telematics savings
State Farm
Monthly
$167/mo
Annual
$2,004/yr
Best for: Good students
Travelers
Monthly
$174/mo
Annual
$2,092/yr
Best for: Multiple discounts
Nationwide
Monthly
$191/mo
Annual
$2,290/yr
Best for: Bundling home + auto
Farmers
Monthly
$198/mo
Annual
$2,378/yr
Best for: Signal telematics
Allstate
Monthly
$206/mo
Annual
$2,466/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$217/mo
Annual
$2,598/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
✓ No spam calls · ✓ No personal info sold · ✓ Takes 2 minutes
How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses