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Here’s how a speeding ticket can affect your Indiana car insurance quotes

  • Auto Insurance
  • Renee Martin
  • 5 minutes

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Speeding in Indiana is illegal, and drivers can face penalties if caught. But did you know it could also impact your car insurance quotes in Indiana? Let’s take a look at how you could find cheap car insurance in Indiana quotes after a speeding infraction. 

Ever felt the need for speed in Indiana’s beautiful country roads and state highways? Well, we wouldn’t blame you since Indiana is, after all, the home of the iconic Indy 500 and Indy Car Racing championship. While breaking the 200mph barrier is commonplace at the Brickyard, did you know that you could get a speeding ticket for crossing 60mph on Indiana’s state highways? What’s worse is that a speeding infraction can cost you quite a bit of money as well as affect your car insurance rates in Indiana too! The best way to keep your car insurance rates as low as possible is to simply not drive above the speed limit. Seems quite easy, right? 

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Speeding laws in Indiana 

Before we take a look at how speeding can affect your car insurance quotes in Indiana, let’s take a look at the speeding laws in the state. Indiana has two types of speeding laws – a ‘basic speeding law’ and ‘absolute limits.’ The basic speeding law mandates that a driver must always drive at a safe speed, regardless of the speed limit. That means while it may be deemed safe to drive at 55mph on a bright and sunny day, it is reckless to be driving at the same speed when the road is slippery and icy. By doing so, you are violating the basic speed law and putting yourself and other road users at risk. 

Absolute speed limits are a lot simpler to understand. If the absolute speed limit on a given stretch of road is 50mph, but you are driving faster than that, you have violated the absolute speed limits. The absolute speed limits in Indiana are as follows: 

  • 15 miles per hour in alleys 
  • 30 miles per hour in urban districts 
  • 25 miles per hour in residential districts 
  • 60 miles per hour or four lane+ state highways 
  • 70 miles per hour on Indiana interstate highways 

How does speeding affect car insurance in Indiana quotes 

Apart from penalties and a speeding fine, you can expect your car insurance rates to go up after a speeding ticket in Indiana. Speeding tickets can cause your Indiana car insurance rates to go up by 18-20%. However, the increase in the car insurance rate depends on factors such as age, gender, and where you live. Surprisingly, the rate increase is higher for older drivers than younger drivers!
 

Age  Average Annual Full Coverage Premium Before Speeding  Average Annual Full Coverage Premium After Speeding  Rate Increase in % 
18-yr-old male  $4300  $5100  18% 
18-yr-old female  $3550  $4200  18% 
40-yr-old male  $1410  $1710  21% 
40-yr-old female  $1400  $1700  21% 

  

A speeding ticket in Indiana could raise your insurance rates by 18% if you are an 18-year-old driver, while 40-year-old drivers could see an average increase of 21%. As seen in the table above, male drivers pay higher rates on average than female drivers both before and after a speeding ticket. Want to learn more about what the penalties are for driving without insurance in Indiana? Head here. 

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How to lower Indiana car insurance rates after a speeding ticket 

Unfortunately, there’s not a lot that can be done to avoid a car insurance rate hike after a speeding ticket in Indiana. The only way to avoid a rate hike is to abide by the rules of the road and not drive beyond the speed limit. That said, you could find cheap car insurance in Indiana quotes by shopping around. Here are a few more tips and tricks you could use to find affordable car insurance quotes in Indiana 

Get quotes from multiple car insurance companies 

If your current car insurance provider hikes your insurance premium by a lot, you could always switch to a different insurance company. Since car insurance is very competitive, you could likely find cheaper rates from rival companies or smaller firms. By shopping around on way.com, you can obtain multiple quotes from several car insurers without divulging too much information or affecting your credit score. We can help you evaluate different insurance providers on multiple factors, including price, customer satisfaction, coverage options, and discounts too. And best of all, it’s free! 

Pay car insurance premium in full 

Car insurance companies generally offer special discounts to customers who pay their annual premium upfront and in full. You also do not have to worry about making your monthly installment by paying your insurance in full. Although these discounts are quite small, one does not need a perfect driving record to avail of it. 

Choose a different vehicle 

Since car insurance premiums depend on the make and model of your vehicle, it’s a good idea to switch to a cheaper-to-insure vehicle after a speeding ticket. A brand new car or a luxury model is generally more expensive to insure when compared to used cars. So if you are struggling to pay your premiums after a speeding ticket, you could sell your existing car and buy a cheaper, used vehicle to save on insurance costs! 

How much car insurance do you need in Indiana? 

Drivers must carry 25/50/25 personal liability insurance as it is a legal requirement in Indiana. Your personal liability insurance must include $25,000 for bodily injury coverage per person, $50,000 for bodily injury coverage per accident, and $25,000 for property damage coverage. Additionally, you could opt for uninsured/underinsured motorist coverage or buy a full coverage policy for more protection. 


Check out our blogs for info on finding top-rated airport parking, the best parking spots in your city, and affordable car washes near you.


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