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.
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| Insurance Provider in Elkhart | |
|---|---|
 State Farm | $53/mo |
Progressive | $96/mo |
 Travelers | $99/mo |
 Nationwide | $116/mo |
 The General | $127/mo |
| Best Companies | ||
|---|---|---|
 Liberty Mutual | $143/mo |
See More: Best Car Insurance Companies
| Indianapolis | $120/mo |
| Fort Wayne | $109/mo |
| Evansville | $109/mo |
| South Bend | $108/mo |
| Elkhart | $105/mo |
| Indiana | $110/mo |
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:
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.
| Driver's Age | |
|---|---|
| teens | $223 |
| 20s | $169 |
| 30s | $131 |
| 40s | $93 |
| 50s | $67 |
| 60s | $73 |
| 70s | $61 |
| 80s | $114 |
| Driving History | |
|---|---|
| No Violation | $127 |
| Speeding Ticket | $135 |
| At-Fault Accident | $189 |
| Failure to Stop for Red Light / Stop Sign | $185 |
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.
See More: High-risk Car Insurance Indiana
See More: DUI Car Insurance Indiana
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.
| Credit Tie | |
|---|---|
| Excellent | $106 |
| Good | $115 |
| Average | $155 |
| Poor | $140 |
See More: Bad Credit Car Insurance Indiana
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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