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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
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.
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.
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.
| Cheapest Companies | Quotes |
|---|---|
 State Farm | $53/mo |
 Progressive | $96/mo |
 Travelers | $99/mo |
 Nationwide | $116/mo |
 The General | $127/mo |
| Best Companies | Quotes | |
|---|---|---|
 Liberty Mutual | $143/mo |
Indiana Cities | |
|---|---|
| Indianapolis | $120/mo |
| Fort Wayne | $109/mo |
| Evansville | $109/mo |
| South Bend | $108/mo |
| Elkhart | $105/mo |
| Indiana | $110/mo |
Click here to learn about car insurance quotes and save on your current policy.
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 | Avg. Monthly Cost |
|---|---|
| teens | $223 |
| 20s | $169 |
| 30s | $131 |
| 40s | $93 |
| 50s | $67 |
| 60s | $73 |
| 70s | $61 |
| 80s | $114 |
| Driving History | Avg. Monthly Cost |
|---|---|
| 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.
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 | Avg. Monthly Cost |
|---|---|
| Excellent | $106 |
| Good | $115 |
| Average | $155 |
| Poor | $140 |
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.
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.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Elkhart stacks up for the state of Indiana:
