Who Has the Cheapest Car Insurance Quotes with Multiple Speeding Tickets in Indiana?

Comparing rates for budget car insurance is difficult, and finding out which company quotes the cheapest auto insurance rates with multiple speeding tickets will take even more rate comparisons.

Every insurance company has a different process to set premium rates, so let’s take a look at the overall cheapest auto insurance companies in Indiana.

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Travelers has some of the most affordable car insurance rates in Indiana at around $620 annually. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual also make the cut as some of the cheapest Indiana auto insurance companies.

As illustrated above, if you currently buy coverage from Erie and switched to Travelers, you may see savings of about $106. Policyholders with Indiana Farmers Mutual may save as much as $229 a year, and Western Reserve policyholders might lower prices by $244 a year.

Remember that these premium estimates are averages for all ages of drivers and types of vehicles and are not factoring in a rate discount with multiple speeding tickets. So the company that fits your age and vehicle best may not even be featured in the list above. That’s why you need to get rate quotes using your own specific driver and vehicle information.

The cost and performance of the vehicle requiring coverage is a large consideration when consumers are trying to find the cheapest car insurance with multiple speeding tickets in Indiana. Vehicles with high performance features, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models.

The data below outlines car insurance prices for some of the more afforable automobiles to buy insurance for.

Prices above based on single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in specific zip code location which can influence premiums considerably.

Table data represents single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in specific zip code location which can raise or lower insurance rates considerably.

Data rating is based on single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Table data does not factor in specific location which can modify insurance rates considerably.

When buying insurance after a few driving violations, one of the key components used to determine the amount you pay for auto insurance is where you normally keep your vehicle in Indiana. Cities with larger populations or higher claim trends like Gary, Merrillville, and Lawrence tend to pay more, whereas cities that are not as densely populated benefit from lower rates.

The information below displays the higher priced cities in Indiana with multiple speeding tickets to buy auto insurance in.

Premium amounts are comparative as specific location information can increase or decrease premiums substantially.

Discounts on the cheapest car insurance with multiple speeding tickets in Indiana

Insurance companies that offer quotes with multiple speeding tickets may have special discounts that may potentially lower prices by as much as 25% or more if you meet specific eligibility requirements. Larger auto insurance companies and their possible discounts are detailed below.

• State Farm discounts include defensive driving training, safe vehicle, student away at school, good driver, and multiple policy.
• Nationwide offers premium reductions for good student, anti-theft, family plan, easy pay, business or organization, accident-free, and defensive driving.
• GEICO offers discounts for anti-lock brakes, five-year accident-free, federal employee, good student, and military active duty.
• AAA includes discounts for education and occupation, good driver, AAA membership discount, multi-car, pay-in-full, anti-theft, and good student.
• 21st Century policyholders can earn discounts including early bird, theft prevention, 55 and older, defensive driver, and anti-lock brakes.
• The Hartford may offer discounts for defensive driver, driver training, bundle, vehicle fuel type, good student, anti-theft, and air bag.

The illustration below compares premium costs with and without discounts. The data assumes a male driver, no accidents and three citations, Indiana state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, multiple policy, vehicle safety, passive restraint, continuous coverage, and paperless filing discounts applied. When drivers take advantage of discounts, the the average yearly reduction on auto insurance with multiple speeding tickets is 28% or $834.

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How to find a good Indiana auto insurance company

Finding the right car insurance provider can be rather challenging considering how many different insurance companies sell coverage in Indiana. The rank data in the next section could help you pick which car insurance companies to look at when trying find the best insurance with multiple speeding tickets. The rankings below are only comprised of companies that write coverage in many states, so companies that may only write in Indiana are not factored into these rankings.

Progressive, Allstate, Geico, or State Farm: Who is best?

When shopping around for auto insurance after a few driving violations, four companies you’ll want quotes from are Progressive, Allstate, Geico, and State Farm. The data below points out ratings and policy coverage options that are available for policyholders.