South Bend, IN Auto Insurance (2024)
The average South Bend, IN auto insurance rates are $272 per month. The minimum auto insurance in South Bend is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in South Bend, Indiana, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in South Bend for teen drivers is Liberty Mutual
- Average auto insurance rates in South Bend, IN for senior drivers are $1,695 per year
- The average commute length in South Bend is 20.1 minutes
South Bend, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in South Bend can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in South Bend, Indiana, including driving record, credit, commute time, and more.
Compare auto insurance in South Bend to other Indiana cities, including Fort Wayne auto insurance rates, Evansville auto insurance rates, and South Bend auto insurance rates to see how South Bend, Indiana auto insurance rates stack up.
Before you buy South Bend, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free South Bend, Indiana auto insurance quotes.
Minimum Auto Insurance in South Bend, Indiana
South Bend, Indiana auto insurance laws require that you have at least the Indiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in South Bend, Indiana.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap South Bend, Indiana Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in South Bend, Indiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,321 | $2,374 | $2,045 | $2,235 | $7,180 | $9,059 | $2,346 | $2,550 |
| American Family | $2,285 | $2,285 | $2,057 | $2,057 | $6,352 | $9,181 | $2,285 | $2,806 |
| Farmers | $1,444 | $1,423 | $1,234 | $1,389 | $7,875 | $8,408 | $1,910 | $2,061 |
| Geico | $1,573 | $1,573 | $1,474 | $1,527 | $4,732 | $4,409 | $1,810 | $1,596 |
| Liberty Mutual | $3,828 | $3,828 | $3,520 | $3,520 | $8,348 | $12,592 | $3,828 | $5,238 |
| Nationwide | $1,484 | $1,515 | $1,305 | $1,391 | $4,269 | $5,535 | $1,736 | $1,897 |
| Progressive | $1,631 | $1,540 | $1,482 | $1,489 | $9,735 | $10,956 | $2,048 | $2,088 |
| State Farm | $1,532 | $1,532 | $1,375 | $1,375 | $4,796 | $6,129 | $1,701 | $1,897 |
| Travelers | $1,240 | $1,261 | $1,165 | $1,164 | $7,783 | $12,330 | $1,313 | $1,514 |
| USAA | $1,123 | $1,105 | $1,048 | $1,053 | $3,160 | $3,524 | $1,518 | $1,620 |
Cheap South Bend, Indiana Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in South Bend, Indiana is a challenge. Take a look at the annual teen auto insurance rates in South Bend, Indiana.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,180 | $9,059 |
| American Family | $6,352 | $9,181 |
| Farmers | $7,875 | $8,408 |
| Geico | $4,732 | $4,409 |
| Liberty Mutual | $8,348 | $12,592 |
| Nationwide | $4,269 | $5,535 |
| Progressive | $9,735 | $10,956 |
| State Farm | $4,796 | $6,129 |
| Travelers | $7,783 | $12,330 |
| USAA | $3,160 | $3,524 |
Cheap South Bend, Indiana Auto Insurance for Seniors
What are senior auto insurance rates in South Bend, Indiana? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,045 | $2,235 |
| American Family | $2,057 | $2,057 |
| Farmers | $1,234 | $1,389 |
| Geico | $1,474 | $1,527 |
| Liberty Mutual | $3,520 | $3,520 |
| Nationwide | $1,305 | $1,391 |
| Progressive | $1,482 | $1,489 |
| State Farm | $1,375 | $1,375 |
| Travelers | $1,165 | $1,164 |
| USAA | $1,048 | $1,053 |
Cheap South Bend, Indiana Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in South Bend, Indiana compared to the annual auto insurance rates with a clean record in South Bend, Indiana.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,002 | $4,411 | $4,070 | $3,572 |
| American Family | $2,524 | $4,025 | $5,097 | $3,008 |
| Farmers | $2,880 | $3,353 | $3,460 | $3,179 |
| Geico | $1,525 | $2,413 | $3,294 | $2,115 |
| Liberty Mutual | $4,336 | $5,129 | $8,100 | $4,786 |
| Nationwide | $2,061 | $2,648 | $2,540 | $2,317 |
| Progressive | $2,895 | $5,103 | $3,456 | $4,030 |
| State Farm | $2,480 | $2,730 | $2,480 | $2,480 |
| Travelers | $2,948 | $3,644 | $4,129 | $3,163 |
| USAA | $1,334 | $1,904 | $2,184 | $1,654 |
Cheap South Bend, Indiana Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in South Bend, Indiana is not easy. Compare the annual rates for DUI auto insurance in South Bend, Indiana to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,070 |
| American Family | $5,097 |
| Farmers | $3,460 |
| Geico | $3,294 |
| Liberty Mutual | $8,100 |
| Nationwide | $2,540 |
| Progressive | $3,456 |
| State Farm | $2,480 |
| Travelers | $4,129 |
| USAA | $2,184 |
Cheap South Bend, Indiana Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how South Bend, Indiana annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,659 | $3,475 | $3,158 |
| American Family | $5,016 | $3,252 | $2,722 |
| Farmers | $3,752 | $3,063 | $2,839 |
| Geico | $2,812 | $2,337 | $1,861 |
| Liberty Mutual | $7,441 | $4,843 | $4,479 |
| Nationwide | $2,719 | $2,300 | $2,156 |
| Progressive | $4,261 | $3,782 | $3,570 |
| State Farm | $3,705 | $2,209 | $1,712 |
| Travelers | $3,864 | $3,275 | $3,274 |
| USAA | $2,378 | $1,576 | $1,353 |
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Cheap South Bend, Indiana Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in South Bend, Indiana can vary. Compare the annual cost of auto insurance by ZIP code in South Bend, Indiana to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 46601 | $3,171 |
| 46613 | $3,162 |
| 46614 | $3,119 |
| 46615 | $3,214 |
| 46616 | $3,203 |
| 46617 | $3,199 |
| 46619 | $3,166 |
| 46628 | $3,193 |
| 46635 | $3,179 |
| 46637 | $3,187 |
Cheap South Bend, Indiana Auto Insurance Rates By Commute
Commute length and annual mileage affect South Bend, Indiana auto insurance. Find the cheapest annual South Bend, Indiana auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,764 | $3,764 |
| American Family | $3,619 | $3,708 |
| Farmers | $3,218 | $3,218 |
| Geico | $2,298 | $2,376 |
| Liberty Mutual | $5,440 | $5,736 |
| Nationwide | $2,392 | $2,392 |
| Progressive | $3,871 | $3,871 |
| State Farm | $2,471 | $2,614 |
| Travelers | $3,471 | $3,471 |
| USAA | $1,746 | $1,792 |
Cheap South Bend, Indiana Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in South Bend, Indiana? Check out the comparison of annual South Bend, Indiana auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,583 | $3,747 | $3,961 |
| American Family | $3,622 | $3,784 | $3,584 |
| Farmers | $3,096 | $3,211 | $3,347 |
| Geico | $2,205 | $2,330 | $2,474 |
| Liberty Mutual | $5,393 | $5,573 | $5,798 |
| Nationwide | $2,421 | $2,373 | $2,381 |
| Progressive | $3,649 | $3,808 | $4,156 |
| State Farm | $2,416 | $2,542 | $2,669 |
| Travelers | $3,395 | $3,504 | $3,514 |
| USAA | $1,702 | $1,764 | $1,841 |
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Best By Category: Cheapest Auto Insurance in South Bend, Indiana
Compare the cheapest auto insurance companies in South Bend, Indiana in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest South Bend, Indiana Auto Insurance Companies
What auto insurance companies in South Bend, Indiana are the cheapest? Compare the top South Bend, Indiana auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,764 |
| American Family | $3,663 |
| Farmers | $3,218 |
| Geico | $2,337 |
| Liberty Mutual | $5,588 |
| Nationwide | $2,392 |
| Progressive | $3,871 |
| State Farm | $2,542 |
| Travelers | $3,471 |
| USAA | $1,769 |
What affects auto insurance rates in South Bend, Indiana?
There are a lot of reasons why auto insurance rates in South Bend, Indiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in South Bend, Indiana. Many local factors may affect your South Bend auto insurance rates.
South Bend Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual South Bend, Indiana auto theft statistics, there have been 480 auto thefts in the city.
South Bend Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average South Bend, Indiana commute length is 20.1 minutes according to City-Data.
South Bend Traffic
How does South Bend, Indiana rank for traffic? According to Inrix South Bend, Indiana is the 822nd most congested worldwide.
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Compare South Bend, Indiana Auto Insurance Quotes
Before you buy South Bend, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free South Bend, Indiana auto insurance quotes.
Frequently Asked Questions
How does the type of automobile I choose affect my insurance rates?
Insurance companies rate vehicles based on their perceived risk. Each vehicle style attracts drivers with certain driving characteristics, and insurance rates are adjusted based on actual loss records. It’s important to understand how the type of car you choose can impact your insurance coverage cost.
What factors should I consider when choosing an auto insurance company?
When selecting an insurance company, consider their A.M. Best Company Rating, which reflects their financial strength and stability. Additionally, review the customer service/complaint ratio, which provides insight into how well the company handles customer requests and claims.
What types of auto insurance coverage should I consider?
Auto insurance policies consist of coverage types required by the state and tailored to your situation. Working with an experienced agent can help you assemble the most appropriate coverage for the best possible annual rate. Provide accurate information to avoid overinsuring the vehicle.
What are no-fault auto insurance laws?
No-fault auto insurance laws aim to restrict the size of lawsuit awards, which contribute to increased insurance rates. Some states have adopted modified no-fault systems to address the rising costs. Under a no-fault system, each party’s insurance company pays for their insured’s injuries and damages, regardless of who is at fault.
How can I lower my auto insurance premium rates?
Besides considering existing features on your vehicle, there are ways to lower your annual insurance premium. Some options include seeking auto insurance discounts, such as safe driver discounts, bundling policies, or installing anti-theft devices. Exploring these options can help you reduce your insurance costs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.