Cheap Auto Insurance Quotes in Elkhart, IN (2021)

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Just over 52,000 folks call Elkhart home, and most drive as their primary mode of transportation. Finding the best car insurance policy will have you happier than when your team wins the Indiana-Purdue game.

Over 88 percent of Elkhart households own cars. With that many people avoiding the tractors and deer on the road, a dependable car insurance policy becomes as necessary as a good jump shot in the Hoosier state.

Car Insurance in Elkhart, IN

The average cost of Indiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Elkhart, IN to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$53
$96
$99
$116
$127
State FarmProgressiveTravelersNationwideThe General
Monthly $

Cheapest Car Insurance in Elkhart, IN

Here are the cheapest carriers in Elkhart for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Elkhart, IN

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Elkhart. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$110
$120
$109
$109
$108
$105
IndianaIndianapolisFort WayneEvansvilleSouth BendElkhart
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Elkhart, IN Driving Facts

indiana

Minimum Car Insurance Requirements in IN

Indiana drivers must purchase car insurance and must carry proof of financial responsibility in their vehicles. Unlike many states, Indiana requires uninsured motorist protection in addition to property damage liability and bodily injury liability coverage. 

Motorists are required to purchase auto insurance coverage meeting these minimums:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two or more persons
  • $25,000 for property damage liability
  • $50,000 Uninsured Motorist Coverage

Elkhart Car Insurance Rates by Driver Age

It’s good to be middle-aged in Indiana, at least as far as car insurance rates are concerned. Though teen drivers in the area pay an average of $168 in premiums, insurance companies give motorists with more driving time under their belts a better break. Drivers in their 40s pay much less for car insurance in this state than teen drivers do, at an average of just $66 per month. Though car insurance rates stay comparatively low from ages 40 to 70, senior drivers in their 70s do pay more, at $113. The reason may be due to increased risks some drivers show as they age.

Driving History
No Violation$127
Speeding Ticket$135
At-Fault Accident$189
Failure to Stop for Red Light / Stop Sign$185

Elkhart Car Insurance Rates by Driving and Accident History

Even after your car insurance rates are set, they can change. One reason car insurance rates increase has to do with a person’s driving record. While a good driver in Elkhart pays an average of $126 in monthly car insurance premiums, someone who has offenses added to their record after rates are established will pay more upon renewal. For example, if you’ve been found at fault for an accident, your rates can increase by as much as 49 percent. Why? The risk you were assigned when you established your policy has increased. The insurance company has to raise their rates accordingly.

Elkhart Car Insurance Rates by Credit Tier

A better car insurance rate is just another reason you should be actively managing your credit score in the Cool North. Not everyone realizes that the way you manage your money is factored into a car insurance company’s calculations when setting your rates. Car insurance companies get a feeling for your financial responsibility by considering your credit score. Whether you pay your bills on time can be an indicator of risk. This risk directly relates to the eventual price you pay for insurance. Drivers with a good credit score in Elkhart pay $114 for their monthly insurance premiums on average.

Elkhart, IN DMV Information

The Elkhart Bureau of Motor Vehicles is at 222 Harrison St., Elkhart, IN 46516. The hours are Tuesday 8:30 a.m. to 6:30 p.m., Wednesday, Thursday, and Friday from 8:30 a.m. to 5 p.m., and Saturday from 8:30 a.m. to 12:30 p.m. The phone number is 1 (888) 692-6841. If you want to skip the drive, you can renew your vehicle online along with a host of other services.

Public Transportation in Elkhart, IN

Most Elkhart residents drive, but the city has public transportation. The Interurban Trolley services Elkhart but also has routes going to Goshen and Mishawaka. Need to skip the bus? You can choose rideshare services such as Uber or Lyft. If you're going to kick it old-school, try traditional tax companies like Elkhart Taxi Service and Ace Cab. Desire a little Indiana fresh air? You can try Lime for a scooter or bikesharing.

Conclusion: How to get the best and cheapest car insurance in Elkhart, IN

Elkhart residents might decide to leave the laps to those folks down at the Indy 500. But if you're going to be on the road, you might as well get a deal sweeter than a can of Ski. Try Insurify to race to the best rates when you compare dozens of insurance quotes in just a few seconds.

When over 16 percent of drivers in Indiana have no insurance, you can't skip protection. Use Insurify to get the coverage and rate that will make you happier than a Hoosier tailgating on a Friday.

Find local Elkhart agents

USI Insurance Services
307 S. Main St., Suite 305, Elkhart, IN 46516
Treesh Insurance Agency
505 S. 3rd St, Suite 140, Elkhart, IN 46566
TCU Insurance Agency, LLC
210 County Road 6, Elkhart, IN 46514
Cassady Neeser & Brasseur,Horton Grp
219 South Third Street, Elkhart, IN 46514
Berkey Investments LLC
501 West Bristol, Elkhart, IN 46514
Johnson Insurance Agency, Inc
2726 S Main St, Elkhart, IN 46517-2614
Salinas Insurance Agency, Inc.
2938 S Main St, Elkhart, IN 46517
Holmes Insurance Agency, Inc.
311 W Hively Ave, Elkhart, IN 46517
Acosta Insurance Agency, Inc.
3803 S Main St, Elkhart, IN 46517
Affordable Insurance Agency INC.
525 S 2nd St, Elkhart, IN 46516

Insurify Insights: How Elkhart Drivers Measure Up

ford
Ford Fusion
Most Popular Car in
Elkhart, IN
suspended licenses
#18
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Elkhart drivers measure up to their fellow Indiana motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Elkhart

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Elkhart drivers rank 20 in the number of car accidents per driver across all cities in Indiana.

  • Rank within state: #20
  • Percent of drivers in Elkhart with an accident: 10.48%
  • Drivers in Elkhart, IN with an accident in their driving history paid on average 21.19% more than drivers with a clean record

Speeding Elkhart

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, Elkhart drivers rank 9 in the number of speeding infractions per driver.

  • Rank within state: #9
  • Percent of drivers in Elkhart with a speeding ticket: 10.9%
  • Drivers in Elkhart, IN with a speeding ticket in their driving history paid on average 41.53% more than drivers with a clean record

DUI/DWIs Elkhart

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Elkhart drivers rank 4 in the number of DUI’s per driver across all cities in Indiana.

  • Rank within state: #4
  • Percent of drivers in Elkhart with a DUI: 3.45%
  • Drivers in Elkhart, IN with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Elkhart

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Elkhart is the Ford Fusion.

Rude Elkhart

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Indiana, Elkhart drivers rank 6 in rude driving infractions.

  • Rank within state: #6
  • Percent of drivers in Elkhart with a reckless driving violation: 2.34%
  • Drivers in Elkhart, IN with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers Elkhart

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Elkhart drivers rank 5 in clean driving records across all cities in Indiana.

  • Rank within state: #5
  • Percent of drivers in Elkhart with clean record: 78.9%

Failure to Yield the Right of Way Elkhart

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Elkhart drivers rank 10 in failure to yield violations per driver across all cities in Indiana.

  • Rank within state: #10
  • Percent of drivers in Elkhart with a failure to yield violation: 0.14%
  • Drivers in Elkhart, IN with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Elkhart

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Indiana, Elkhart drivers rank 13 in the number of reckless driving offenses per driver.

  • Rank within state: #13
  • Percent of drivers in Elkhart with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Elkhart

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Elkhart drivers rank 25 in hybrid and electric vehicle ownership across all cities in Indiana.

  • Rank within state: #25
  • Percent of drivers in Elkhart with a hybrid/electric vehicle: 0.4%

FAQs - Elkhart, IN Car Insurance

Why is car insurance so expensive in Elkhart?

More than one out of six Indiana drivers have no insurance, and the cost of vehicle repairs increased in the state. Insurers try to match the rate with the level of risk.

How can I get the cheapest car insurance in Elkhart?

If you want to pay as little as possible, get state minimum coverage. It's the least amount of protection Indiana allows. If you've financed your car, you may need comprehensive and collision coverage. In that case, to keep your bill low, raise your deductibles to the most you can afford out of pocket if a wreck happens.

Who offers the cheapest car insurance in Elkhart?

Car insurance premiums vary by city, company, and driver. If you want a rate that's tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve at a price you can afford.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.