Who Has the Cheapest Car Insurance Rates for Felons in Indianapolis?

You have most likely seen the captivating ads from companies like The General, Nationwide, and Liberty Mutual that make claims of dirt cheap rates, so you should just select the one with the best jingle, right?

That is not the case, however, as there are a lot of unknown elements such as if you are a homeowner or renter, if you are a man or woman, if you have any driving citations, and your financial responsibility. We will attempt to cover the different ways you can keep rates low and hopefully give you enough understanding to have some help in finding cheaper rates.

Trying to buy low-priced insurance is not the easiest thing to do, and figuring out which companies quote the cheapest auto insurance rates for felons requires even more work. Every auto insurer has their own guidelines to determine premium rates, so we’ll go over the most affordable auto insurance companies in Indiana.

It’s a good idea to know that Indianapolis, IN auto insurance rates are calculated based on many things which can significantly increase or decrease the price of coverage. This price variability is why it is crucial to do a thorough rate comparison to get the lowest insurance rates for felons. Insurance prices are made up of many risk factors and can decrease or increase without notice, so the lowest-price company the last time you compared rates may now be an over-priced policy.

Best Car Insurance Prices for Felons

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Rankings for the cheapest car insurance companies in Indiana
Rank Company Cost Per Year
1 Travelers $620
2 USAA $661
3 Cincinnati Insurance $664
4 Erie $733
5 Western Reserve $864
6 Indiana Farmers Mutual $875
7 Auto-Owners $879
8 The Hartford $881
9 Nationwide $958
10 Safeco $973
11 Motorists Mutual $986
12 Utica National $995
13 State Farm $997
14 Hastings Mutual $1,013
15 Farmers $1,033
16 Westfield $1,072
17 Wolverine Mutual $1,094
18 Progressive $1,106
19 State Auto $1,131
20 GEICO $1,133
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Travelers may offer some of the best car insurance rates in Indianapolis at around $620 per year. USAA, Cincinnati Insurance, Erie, and Western Reserve also are some of the lowest-priced Indianapolis, IN insurance companies.

As shown in the table above, if you have coverage with Western Reserve and switched to USAA, you could see yearly savings of in the vicinity of $203. Indiana drivers with Indiana Farmers Mutual could save as much as $214 a year, and Auto-Owners insureds might realize rate reductions of up to $218 a year.

To discover how much you can save, click here to get quotes or visit any of the companies below.

Bear in mind that those premium estimates are averages across all insureds and vehicles and and are not calculated with an exact zip code location for felons. So the auto insurance company that can offer you the best price may not even be in the top 36 companies shown above. That underscores the importance of why you need to get rate quotes using your own personal information and vehicle type.

The type of vehicle that needs insurance is one of the largest considerations when shopping around for affordable car insurance for felons. Vehicles with average performance, modern passenger safety features, or a low likelihood of liability claims will cost less to insure than higher performance models. The data below outlines car insurance prices for a handful of the cheapest automobiles to insure in Indiana.

Cheapest Vehicles to Insure in Indianapolis, IN
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,038
Toyota Prius $1,151
Chevrolet Impala LS $1,202
Honda CR-V EX-L 2WD $1,216
Toyota Camry LE $1,225
Ford F-150 SVT Raptor Super Cab 4WD $1,251
Honda Civic LX-S 4-Dr Sedan $1,267
Ford Focus SES 4-Dr Sedan $1,274
Honda Accord LX-P 4-Dr Sedan $1,272
Ford Edge Sport 2WD $1,290
Honda Odyssey EX-L W/Navigation $1,296
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,306
Volkswagen Jetta SEL 4-Dr Sedan $1,315
Ford Fusion Sport 4-Dr Sedan $1,320
Hyundai Sonata GLS 4-Dr Sedan $1,318
Dodge Grand Caravan SE $1,334
GMC Sierra 3500HD SLE Regular Cab 2WD $1,339
Toyota RAV4 4WD $1,408
Chevrolet Equinox LS 2WD $1,413
Jeep Grand Cherokee Laredo 4WD $1,408
Chevrolet Malibu LS $1,417
Dodge Ram 3500 Crew Cab SLT 2WD $1,424
Ford Explorer XLT 4WD $1,429
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can modify auto insurance rates noticeably.

Looking at the data, you can presume that models like the Ford Escape, Toyota Prius, and Chevrolet Impala are most likely to be some of the cheaper vehicles to insure for felons.

One of the many components that are looked at to help calculate the amount you pay for auto insurance is where you keep your car. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The following table shows the most expensive areas in Indiana for felons to buy an auto insurance policy in. Indianapolis ranks #7 with the yearly price of $1,050 for the average policy, which is about $88 per month.

How much is car insurance in Indianapolis?
Rank City Average Per Year
1 Gary $1,401
2 Hammond $1,314
3 Merrillville $1,106
4 Portage $1,093
5 New Albany $1,059
6 Lawrence $1,055
7 Indianapolis $1,050
8 Jeffersonville $1,048
9 Evansville $1,045
10 Terre Haute $1,045
11 Kokomo $1,011
12 Anderson $1,011
13 South Bend $985
14 Fort Wayne $985
15 Bloomington $968
16 Mishawaka $965
17 Greenwood $960
18 Noblesville $958
19 Elkhart $956
20 Carmel $947
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Rates are comparative as the vehicle garaging location can impact prices significantly.

Ending up with the right car insurance provider is hard considering how many companies provide coverage in Indianapolis. The ranking data in the lists below can help you decide which insurers to look at purchasing a policy from.

The rankings below are for companies with a national presence, so companies that may only write in Indiana are not factored into the list. To check prices and find the cheapest rates for felons, just click here.

Best Auto Insurance Companies for Felons in Indiana
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Liability-only versus full coverage

Paying less for auto insurance is important to most drivers, and one common way to find cheaper insurance for felons is to only buy liability insurance. The illustration below shows the comparison of yearly insurance costs with liability coverage only compared to full coverage. The data is based on no claims or driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average all the age groups together, comp and collision coverage costs an extra $1,975 per year more than carrying just liability coverage. That is a big expense that brings up the question if paying for full coverage is a waste of money. There is no exact rule to exclude physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

How to find the cheapest insurance for felons

It’s not impossible to find cheaper rates, and here are some penny-pinching solutions that can help Indiana drivers get low-cost car insurance.

The last tip is particularly necessary, as we discussed in the prior article. Auto insurance rates in Indianapolis can be adjusted at any time, so don’t be tentative to switch carriers if you can find a cheaper rate. Having a favorite company is fine, but it’s not a good idea if your bullheadedness ends up costing you lots of hard earned cash every month. Now is a great time to compare rates to find cheaper insurance for felons.

The agents below can provide answers to your questions and help you determine which insurance coverage will be best for you, since many consumers aren’t sure which coverage to buy and prefer to have a little guidance when buying car insurance for felons. It’s not always simple to find the best rates on your own, so getting advice from a licensed agent can provide you comfort knowing your coverage gives you adequate protection. To find an Indianapolis insurance agent using an interactive map, click the button below the list or click here to compare rates now.

State Farm: Rahvy Murray
3955 Eagle Creek Pkwy EIndianapolis, IN 46254(317) 297-3804

A1 Insurance
4030 S Emerson Ave EIndianapolis, IN 46203(317) 787-4995

Frances Johnson – State Farm Insurance Agent
5707 N Michigan RdIndianapolis, IN 46228(317) 257-3504

Jim Crinklaw – State Farm Insurance Agent
9423 Pendleton PikeIndianapolis, IN 46236(317) 897-6129

Haleh Krauter – State Farm Insurance Agent
11204 Fall Creek RdIndianapolis, IN 46256(317) 849-9996

Find an Indianapolis, IN insurance agent near you