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Cheap Auto Insurance Quotes in Elkhart, IN (July 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Quick Facts
- The average cost of car insurance in Elkhart is $130 per month, or $1560 annually.
- Car insurance in Elkhart is $7 less than the average cost of car insurance in Indiana.
- The cheapest car insurance provider in Elkhart on average is Clearcover, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
State Farm$53
Progressive$96
Travelers$99
Nationwide$116
The General$127
Cheapest Car Insurance in Elkhart, IN
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Elkhart | Quotes |
|---|---|
| State Farm | $53 /mo |
| Progressive | $96 /mo |
| Travelers | $99 /mo |
| Nationwide | $116 /mo |
| The General | $127 /mo |
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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 company reviews. The following are the top rated companies that offer car insurance in Elkhart. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| Liberty Mutual | 82 | $143 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Indiana Cities | |
|---|---|
| Indianapolis | $120/mo |
| Fort Wayne | $109/mo |
| Evansville | $109/mo |
| South Bend | $108/mo |
| Elkhart | $105/mo |
| Indiana | $110/mo |
Elkhart$105
South Bend$108
Fort Wayne$109
Evansville$109
Average for IN$110
Indianapolis$120
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Indiana
All motor vehicles operated or parked on Indiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Indiana[1] are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Indiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $50,000 per accident for uninsured/underinsured motorist bodily injury
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Indiana, this coverage will help you recover from an accident as quickly as possible.
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.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $223 |
| 20s | $169 |
| 30s | $131 |
| 40s | $93 |
| 50s | $67 |
| 60s | $73 |
| 70s | $61 |
| 80s | $114 |
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.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $127 |
| Speeding Ticket | $135 |
| At-Fault Accident | $189 |
| Failure to Stop for Red Light / Stop Sign | $185 |
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.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $106 |
| Good | $115 |
| Average | $155 |
| Poor | $140 |
See More: Bad Credit Car Insurance Indiana
Find local Elkhart agents
USI Insurance Services
307 S. Main St.,
Suite 305, Elkhart, IN 46516Treesh Insurance Agency
505 S. 3rd St,
Suite 140, Elkhart, IN 46566TCU Insurance Agency, LLC
210 County Road 6,
Elkhart, IN 46514Cassady Neeser & Brasseur,Horton Grp
219 South Third Street,
Elkhart, IN 46514Berkey Investments LLC
501 West Bristol,
Elkhart, IN 46514Johnson Insurance Agency, Inc
2726 S Main St,
Elkhart, IN 46517-2614Salinas Insurance Agency, Inc.
2938 S Main St,
Elkhart, IN 46517Holmes Insurance Agency, Inc.
311 W Hively Ave,
Elkhart, IN 46517Acosta Insurance Agency, Inc.
3803 S Main St,
Elkhart, IN 46517Affordable Insurance Agency INC.
525 S 2nd St,
Elkhart, IN 46516
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.
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.
FAQs - Elkhart, IN Car Insurance
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. 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. 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.
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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.
Insurify Insights
How Elkhart Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Elkhart, Indiana below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Elkhart drivers measure up to their fellow motorists across Indiana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford Fusion
Most Popular Car in Elkhart
#9
City with the Most Speeding Tickets Rank in Indiana
#26
City with the Most Moving Violations Rank in Indiana
#4
City with the Most DUIs Rank in Indiana
#16
City with the Most Suspended Licenses in Indiana
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 pay on average 21.19% more than drivers with a clean record
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 pay on average 41.53% more than drivers with a clean record
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 pay on average 0% more than drivers with a clean record
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.
- 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 pay on average 0% more than drivers with a clean record.
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%
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 pay on average 0% more than drivers with a clean record
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: 0%
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%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Insurance Content Project Manager
Tanveen Vohra is an insurance content project manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.
Sources
- Indiana Department of Insurance. "State Minimum Requirements." Accessed May 28, 2022