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Car insurance can be expensive if you have bad credit. Insurers use credit history as a rating factor, setting policy prices based in part on clients' credit histories. Because auto insurance companies rely on historical data showing those with poor credit are more likely to file auto insurance claims, the companies compensate for the additional risk by assigning expensive rates.
How much you pay for car insurance with bad credit depends on which company you choose, where you live, and many other rating factors. We've gathered below average car insurance prices for drivers with bad credit in major Indiana cities and rates from a few of the most popular auto insurance companies, , along with tips to save on auto insurance if you have bad credit in Indiana.
Indiana drivers face an average penalty of $876 per year for having a credit score in the “worst” tier. A driver in either the “poor” or “below fair to poor” credit tier will also face more costly-than-average auto insurance rates.
| Credit Tier | Average Annual Rate in Indiana |
| Worst | $2,008 |
| Poor | $1,843 |
| Below Fair to Poor | $1,693 |
| Average — All Credit Tiers | $1,133 |
Car insurance rates will also vary depending on the geographic area in which you drive. Insurance companies use your address to better understand your odds of filing a claim: the denser your area,, the more expensive your rates.
We've listed major Indiana cities and their typical auto insurance costs for drivers with bad credit.
| City | Average Annual Rate — Worst Credit | Average Annual Rate — Poor Credit | Average Annual Rate — Below Fair to Poor Credit |
| Indianapolis | $2,113 | $1,944 | $1,788 |
| Fort Wayne | $1,953 | $1,794 | $1,647 |
| Evansville | $2,123 | $1,950 | $1,788 |
| South Bend | $1,941 | $1,783 | $1,638 |
| Hammond | $2,478 | $2,277 | $2,091 |
Another contributing factor to how much you pay for auto insurance is the insurance company you choose. Each auto insurance company rates policies in a unique manner, giving rating factors varying weights in their calculations. Credit history can be a primary price differentiator from one insurance company to the next. In Indiana, the cheapest insurance company for drivers with bad credit is GEICO, which offers savings of $775 yearly in comparison to the second-cheapest company, American Family.
See rates from leading car insurance companies in Indiana for drivers with bad credit.
| Company | Average Annual Rate — Worst Credit Tier |
| GEICO | $963 |
| American Family | $1,738 |
| United Farm Family Mutual | $1,797 |
| Indiana Farmers Mutual | $1,915 |
| Illinois Farmers | $2,146 |
If you're dealing with the difficulty of purchasing auto insurance with a low credit score, consider these tips: