Indiana Car Insurance with Bad Credit

The Zebra
March 12, 2019

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.


Auto insurance with bad credit in Indiana:

  1. Average premiums
  2. Rates by city
  3. Costs by carrier

Car insurance rates with 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.


INDIANA CAR INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Indiana
Worst$2,008
Poor$1,843
Below Fair to Poor$1,693
Average — All Credit Tiers$1,133

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Compare rates from top car insurance companies.


Car insurance rates with bad credit in Indiana cities

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.


BAD CREDIT CAR INSURANCE RATES IN INDIANA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage 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

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Best auto insurance companies for bad credit in Indiana

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.


INDIANA CAR INSURANCE RATES WITH BAD CREDIT — TOP CARRIERS

CompanyAverage 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:

  1. See auto insurance quotes
  2. Know when to file a claim
  3. Know what determines car insurance rates

Compare rates from top car insurance companies.