Car Insurance After a DUI in Indiana: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Indiana increases car insurance rates by an average of 75%, raising a typical full coverage policy from $1,596/year to $2,793/year. That's an increase of $1,197/year ($100/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Indiana
Before DUI
$133/mo
$1,596/year full coverage
After DUI (+75%)
$233/mo
$2,793/year full coverage
Cheapest Companies After DUI in Indiana
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $172/mo | $2,067/yr | Military families |
| Erie Insurance | $184/mo | $2,206/yr | Rate lock guarantee |
| GEICO | $191/mo | $2,290/yr | Clean driving record |
| Progressive | $205/mo | $2,458/yr | Telematics savings |
| State Farm | $212/mo | $2,542/yr | Good students |
| Travelers | $221/mo | $2,653/yr | Multiple discounts |
| Nationwide | $242/mo | $2,905/yr | Bundling home + auto |
| Farmers | $251/mo | $3,016/yr | Signal telematics |
| Allstate | $261/mo | $3,128/yr | Accident forgiveness |
| Liberty Mutual | $275/mo | $3,296/yr | New car replacement |
USAACheapest
Monthly
$172/mo
Annual
$2,067/yr
Best for: Military families
Erie Insurance
Monthly
$184/mo
Annual
$2,206/yr
Best for: Rate lock guarantee
GEICO
Monthly
$191/mo
Annual
$2,290/yr
Best for: Clean driving record
Progressive
Monthly
$205/mo
Annual
$2,458/yr
Best for: Telematics savings
State Farm
Monthly
$212/mo
Annual
$2,542/yr
Best for: Good students
Travelers
Monthly
$221/mo
Annual
$2,653/yr
Best for: Multiple discounts
Nationwide
Monthly
$242/mo
Annual
$2,905/yr
Best for: Bundling home + auto
Farmers
Monthly
$251/mo
Annual
$3,016/yr
Best for: Signal telematics
Allstate
Monthly
$261/mo
Annual
$3,128/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$275/mo
Annual
$3,296/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Indiana, full coverage. Updated March 2026.
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
DUI Legal Consequences in Indiana
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Indiana
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Indiana
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $233/mo | +75% |
| Year 1 | $223/mo | +68% |
| Year 2 | $208/mo | +56% |
| Year 3 | $183/mo | +38% |
| Year 5 | $153/mo | +15% |
| Year 7 | $133/mo | Normal |