South Bend, IN Auto Insurance | Cheap Car Insurance in South Bend, IN

South Bend, IN auto insurance requires drivers to have 25/50/10 in liability coverage. Cheap car insurance in South Bend, IN can start at $21/month with Farmers. Some of the best South Bend, IN car insurance companies can include the following: Farmers, State Farm, Grange Mutual, The General, and Allied.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Indiana auto insurance requires all drivers to have 25/50/10 in liability coverage. Liability insurance pays if the driver is at fault for the accident. It may be advisable to get more than the minimum in the event your car is stolen, or someone else causes the accident (you don’t want to see your car at Insurance Auto Auctions South Bend, IN 46619). Drivers looking for cheap car insurance in South Bend, IN have several choices. The best South Bend, IN car insurance companies providing affordable rates are Farmers, State Farm, Grange Mutual, The General, and Allied. Farmers offers monthly rates of $21 for South Bend, IN auto insurance.

If you are a football fan, then you probably already know that South Bend is the home of the “Fighting Irish”; the University of Notre Dame’s famous football team. South Bend is also one of the more well-known members of the Midwestern US industrial belt.

Fun fact: Did you know that South Bend is #4 on the list of “Top 101 cities with the highest average snowfall in a year (population 50,000+)”?

Are you looking for cheap auto insurance in South Bend, IN? At AutoInsuranceEZ.com, you can easily find the best insurance rates in your area. To obtain free South Bend, IN auto insurance quotes from the top providers today, key your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Indiana

Driving legally in South Bend requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

If you’re thinking about saving money by only purchasing the mandatory state minimums, be careful. If you drive an older, used, inexpensive car, you might be able to get by with minimal coverage. However, if your vehicle is newer, you should really consider purchasing a more robust policy.

Right now, your typical Indiana driver is paying around $100 per month for their automotive insurance. If this sounds like you, then we have good news: you can get as low as $30/mo* just for living in South Bend. Keep reading, and we’ll show you some of the best ways to get a lower rate.

Average Monthly Auto Insurance PremiumsLegend: South Bend Farmers State Farm Grange Mutual The General Allied 5101520253035$21$26$32$38$33

There are a variety of companies offering competitive rates, such as Auto-Owners Insurance South Bend, IN, Acceptance [auto] Insurance South Bend, IN, Progressive [auto] Insurance South Bend, Indiana, Affordable Car Insurance South Bend, Indiana, and more. If you’re looking for the lowest possible rate, then you’ll want to give Grange Mutual, State Farm, or Farmers a call. But remember that there is more to insurance than just a low rate. You also have to consider customer service and claims filing when choosing a provider.

Auto insurance companies contemplate several factors when establishing insurance quotes, including geography, ZIP code, where you live, occupation, and how many miles you drive each year. In addition, premiums differ from company to company. To verify you’re still getting the most affordable rate, compare cheap Indiana auto insurance quotes online.

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Major Factors in Cheap Car Insurance in South Bend, Indiana

There are many ways that your car insurance rate can be determined. But not all of it is out of your control; there are steps you can take to be able to control which discounts you are entitled to acquire. Listed here are a few of these components in greater detail:

Your ZIP Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of South Bend is 100,866 and the median household income is $34,446.

Auto Insurance by ZIP CodeLegend: Indianapolis Evansville Fort Wayne Gary South Bend Farmers State Farm Grange Mutual The General Allied 51015202530354045505560$21$28$23$32$21$27$29$21$36$26$28$37$35$41$32$36$38$34$41$38$40$39$34$64$33

Automotive Accidents

Sometimes, your insurance rate is altered by factors which are beyond your control. The rate of accidents in your area is one such factor. The chart above shows the most recent statistical data available for South Bend. If you think accident rates are inflating your monthly premiums, ask your provider if they offer any safe driver discounts.

Fatal Accidents in South Bend, INLegend: South Bend Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 369121518212427301218415302

Auto Thefts in South Bend

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in South Bend was 285 back in 2012. Because these statistics are so low, you may be able to lower your monthly rate by scaling back your Comprehensive coverage.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Farmers State Farm Grange Mutual The General Allied 510152025303540$21$22$27$29$28$32$36$39$40$36

Your Credit Score

Did you know that your credit score is very closely linked to your automotive insurance rate? It’s so intrinsic, in fact, that having a poor credit score can more than double your monthly premium. So by raising your credit score, you can lower your South Bend, IN auto insurance rates.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Farmers State Farm Grange Mutual The General Allied 51015202530354045$14$44$21$49$29$44$35$44$29$40

 

Your Age

Because younger drivers don’t have as much experience on the road as older adults, they are much riskier for car insurance companies in South Bend, Indiana to cover. Due to this, motorists under the age of 25 get charged exorbitant rates. Thankfully, there are Driver’s Ed and Good Student discounts available.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Farmers State Farm Grange Mutual The General Allied 255075100125150175200225250$21$261$27$86$28$103$36$109$40$110

Your Driving Record

Accident Forgiveness is a new type of discount which insurance companies have started offering in order to drum up business. For safe drivers with a less than perfect driving record, your Accident Forgiveness discount will ignore at least one minor citation, thereby lowering your rates.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Grange Mutual The General Allied 102030405060708090100$21$25$29$28$27$28$28$31$28$39$102$51$36$46$46$38$40$40$76$52

Your Vehicle

If you’re driving a luxury vehicle, then you’re going to want a luxurious insurance plan to protect it. After all, between theft, vandalism, accidents, severe weather, and the million other terrible things which can happen to your vehicle, do you really want to risk carrying insufficient coverage? Probably not.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Farmers State Farm Grange Mutual The General Allied 510152025303540$21$15$27$28$28$32$36Do Not Sell$40$32

Minor Factors in Cheap Auto Insurance in South Bend, Indiana

The factors below may also have an influence in your monthly premium, although they might be a little harder to control:

Your Marital Status

Did you know that married couples have a special advantage to saving on their automotive insurance? All they have to do is bundle their policies together under the same company. Many providers reward this action with significant discounts.

Your Gender

Everyone knows the stereotypes about how a certain gender performs behind the wheel…except for insurance companies, that is. More and more providers are offering identical rates, regardless of gender. And if your provider does charge a difference, it’s little more than a few dollars each month.

Your Driving Distance to Work

While commuting to work in South Bend, a 18-31 minute commute time is typical while some trips are as high as 41 minutes on average. A little over 75% of drivers like to drive to work in their own car, while somewhere around 6-19% would rather carpool.

Reducing your overall yearly mileage can help you spend less money on gas, and might even reduce the cost of maintenance on your vehicle. Unfortunately, it won’t save you more than a few dollars per month on your insurance premiums. But registering it for personal use will, because business vehicles cost 11% more to insure on average.

Your Coverage and Deductibles

Do you want more coverage that you’re currently paying for? Then consider raising your deductible. Doing so can give you room to purchase more coverage for about the same monthly premium that you’re paying now.

Education in South Bend, IN

Deciding to pursue a higher education has a number of different benefits, even beyond getting a great job with a high salary. One smaller benefit that most people don’t know about is car insurance savings. Believe it or not, South Bend, IN auto insurance companies are likely to offer you lower prices if you have a college degree! Almost one-third of South Bend drivers have a high school diploma, while a lesser amount have not yet finished their high school education.

Notre Dame, a catholic-affiliated university, is over 160 years old and has a reputation for both academic excellence as well as athletics. It also has a sister college known as Saint Mary’s. Holy Cross College is a recent addition to the city’s four-year institutions, while the Purdue University Statewide Tech Program offers specialized engineering and computer technology degrees.

Finding affordable South Bend, IN auto insurance can be a hassle. There’s a lot of information you need to consider and, figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Indiana Department of Insurance

Indiana Licensing Agency

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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