Cheap Auto Insurance Quotes in Elkhart, IN (2023)

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.

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• Cheap Car Insurance Indiana

• Compare Car Insurance

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!

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 .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Indiana

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.

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.

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• High-risk Car Insurance Indiana

• DUI Car Insurance Indiana

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.

See More: Bad Credit Car Insurance Indiana

Find local Elkhart agents

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.

For more detailed Indiana city level guides, check out these below.

• Average Cost of Car Insurance Rates in Indiana

• DUI Car Insurance Rates in Indiana

• High-Risk Driver Car Insurance Rates in Indiana

• Indiana Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Indiana

• SR-22 Insurance in Indiana

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.