Cheapest Auto Insurance in Elkhart, Indiana (2024)

Auto-Owners offers the cheapest car insurance in Elkhart, with minimum-coverage policies as low as $24 per month.

Mark Vallet
Written byMark Vallet
Mark Vallet
Mark Vallet

Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.

Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated June 16, 2024

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Cheapest recent rates near Elkhart, Indiana

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $75/mo for full coverage in Elkhart and other Indiana cities.

*Quotes generated for Insurify users in and around Elkhart, Indiana within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Elkhart, Indiana within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Elkhart drivers pay an average of $64 per month for liability insurance and $125 for full-coverage insurance. These rates are comparable to Indiana state averages but lower than the national average of $105 for liability and $215 for full coverage.

With a population of 55,000, Elkhart lends itself to a decreased risk of traffic accidents and property damage, which could help explain the area’s lower car insurance rates.[1]

Here’s what you need to know about finding cheap car insurance in Elkhart.

Quick Facts
  • Auto-Owners, State Farm, and USAA have the cheapest car insurance in Elkhart.

  • Auto insurers in Indiana can consider your credit-based insurance score as a factor when determining your premium.

  • Indiana is an at-fault state, which means the driver who causes an accident must cover the other party’s resulting damage and loss.[2]

3 of the cheapest car insurance companies in Elkhart

Auto-Owners, State Farm, and GEICO are some of the cheapest insurance companies in Elkhart for car insurance. Insurance companies consider various factors when determining rates, which can lead to significant differences in premium quotes. This means the best policy for your friends or neighbors may look different than the ideal coverage for you.

You should always consider cost, coverage options, customer service, and more when looking for coverage. Consider reaching out to an independent agent, broker, or other licensed representative if you have specific questions you want answered.

Begin your search for cheaper coverage below.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners4.3$52$27New-car owners
State Farm4.6$55$29Teen drivers
GEICO4.4$61$32Digital tools
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for new-car owners: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$24/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$47/mo

Auto-Owners’ Purchase Price Guarantee program will pay you the original purchase price of your vehicle if you total it in the first two years of ownership. This can be a major benefit because new cars quickly lose value.

The company offers a variety of other insurance products, including homeowners insurance, business insurance, motorcycle insurance, and renters insurance. Policyholders with two or more policies can benefit from a bundling discount.

Pros
  • Diminishing deductible coverage available

  • More than a dozen discounts

Cons
  • Mobile app rating needs improvement

  • Higher rates than some competitors for teens and drivers with poor credit

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$26/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$49/mo

Teens face higher car insurance rates because they have less driving experience, leading to more accidents and claims. State Farm embraces teen drivers with the Steer Clear program that monitors their driving and offers driving training through the app. Good drivers can earn a discount.

Pros
  • Several discounts for teen drivers

  • More than 18,000 agents

Cons
  • Fewer discounts than some competitors

  • Doesn’t offer gap insurance

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best insurer for digital tools: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$29/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$55/mo

GEICO has one of the best mobile apps and websites available, which makes it the best insurer for drivers who like to deal with their insurance digitally. On the GEICO mobile app and website, you can pay your bill, file claims, store your digital insurance card, make policy changes, call for roadside assistance, and get an easy damage estimate.

Pros
  • 24/7 customer service

  • Offers accident forgiveness

Cons
  • Mixed online customer reviews

  • Gap insurance not available

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

How to get the cheapest car insurance in Elkhart

When setting car insurance rates, insurers consider a variety of factors. They’ll not only look at your driving record but also your age, gender, ZIP code, local crime rates, and your credit score.

Here are a few ways to save money and find the cheapest car insurance in Indiana:

  • Shop around for coverage. Shopping for a new policy is one of the best ways to find cheaper coverage. Insurers use proprietary algorithms when setting a rate, so customer premium quotes can vary. Experts recommend shopping prices once a year and ensuring your coverage options meet your needs.

  • Complete a defensive driving class. Many insurers offer a small discount for drivers who take a defensive driving class. Check with your insurer for approved courses.

  • Ask about discounts. Insurance companies offer a variety of discounts. Bundling your home insurance, life insurance, and auto coverage will usually result in a major discount. Other common discounts include those for safe driving, electronic billing, earning good grades, having vehicle safety features, and paying your premium in full.

  • Increase your deductible. Increasing the deductible on your current policy will lower your premium. If you can afford to double your deductible, it can result in significant savings. But always choose a deductible you can afford if you need to file a claim.[3]

Find Cheap Car Insurance in Elkhart, Indiana

Liability quotes start at $24 per month

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Cheapest liability-only car insurance in Elkhart: Auto-Owners

Like most states, Indiana requires all drivers to carry a liability insurance policy to drive legally. Liability-only car insurance helps cover medical and legal bills for injuries or damages you cause in an accident. It doesn’t cover your injuries or damage to your vehicle.

You may want to purchase liability-only coverage if you have an older vehicle you could easily replace after an accident. Elkhart drivers pay an average of $64 per month for liability insurance.

Here are the cheapest insurance companies in Elkhart for liability-only coverage.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$24
State Farm$26
USAA$27
GEICO$29
American Family$38
Clearcover$43
Progressive$47
Travelers$51
Farmers$53
National General$53
Dairyland$57
Direct Auto$60
Allstate$61
Midvale Home & Auto$63
Nationwide$66
GAINSCO$70
Elephant$71
Safeco$71
The General$71
Liberty Mutual$73
CSAA$75
Bristol West$84
Foremost$102
AssuranceAmerica$114
State Auto$126
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Elkhart: Auto-Owners

Full-coverage insurance includes liability protection as well as comprehensive and collision, which help pay to repair your vehicle. Collision kicks in if you have vehicle damage after colliding with another vehicle or object. Comprehensive will pay for repairs caused by perils such as fire, theft, flooding, vandalism, and more.

If you have a new car or a loan or lease on your vehicle, you should carry full-coverage insurance. Your lender will likely require you to buy coverage as a condition of purchase. It’s a good idea to purchase this coverage, even if you don’t need to.

On average, Elkhart drivers pay $125 per month for full-coverage insurance. Here are some of the cheapest insurers selling full-coverage insurance in Elkhart.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$47
State Farm$49
USAA$52
GEICO$55
Clearcover$70
American Family$73
Progressive$91
Travelers$98
Midvale Home & Auto$101
Farmers$102
National General$107
Elephant$108
Allstate$116
Direct Auto$116
Nationwide$128
GAINSCO$132
CSAA$134
Safeco$134
Dairyland$153
AssuranceAmerica$159
Liberty Mutual$167
The General$167
State Auto$178
Bristol West$192
Foremost$216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Elkhart, Indiana

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $61/mo for full coverage in Elkhart and other Indiana cities.

*Quotes generated for Insurify users in and around Elkhart, Indiana within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Elkhart, Indiana within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Indiana

Indiana law requires drivers to carry a minimum amount of car insurance.[4] The minimum liability requirements will help cover costs related to injuries or property damage you cause the other driver in an accident. If losses exceed those coverage limits, you’ll need to cover any additional costs out of pocket.

Here are the specific minimum requirements in Indiana:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per person

Liability insurance doesn’t cover your vehicle repairs or medical bills, so you should consider additional coverage for added protection:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Following a collision with another vehicle or object, collision insurance covers your vehicle repair costs regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision incident causes vehicle damage — like severe weather, vandalism, or theft — comprehensive insurance can help cover the repair or replacement costs.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    When you or your passengers experience an injury following an accident, medical payments coverage can help pay for medical expenses and other losses.

Cheapest car insurance for drivers with an incident

If you have an incident on your driving record, you’ll pay more for coverage. Insurers will consider you a bigger risk for a claim if you have a speeding ticket or an at-fault accident on your driving record.

If you have a DUI or reckless driving charge on your record, your insurer will view you as a high-risk driver and charge a much higher premium. Elkhart drivers with a past incident pay an average of $92 per month for liability car insurance.

Here are the best insurance rates for Elkhart drivers by driving record.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Auto-Owners$24$32$32$40
State Farm$26$34$35$44
USAA$27$36$37$45
GEICO$29$38$39$49
American Family$38$50$51$64
Clearcover$43$57$62$72
Progressive$47$62$65$79
Travelers$51$68$69$86
Farmers$53$69$71$89
National General$53$68$72$89
Dairyland$57$76$77$96
Direct Auto$60$80$83$101
Allstate$61$80$82$102
Midvale Home & Auto$63$86$90$106
Nationwide$66$88$90$111
GAINSCO$70$102$92$117
Elephant$71$103$94$119
Safeco$71$95$93$119
The General$71$95$98$119
Liberty Mutual$73$106$108$122
CSAA$75$102$106$126
Bristol West$84$110$112$141
Foremost$102$148$151$171
AssuranceAmerica$114$154$155$191
State Auto$126$180$188$211
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Insurers consider your age when establishing your premium, and young drivers pay the highest premiums. Statistics show that teen drivers are more likely to get into an accident resulting in a claim because they’re inexperienced and tend to take more risks than experienced drivers.

Rates decrease for drivers between the ages of 35 and 70 as they gain experience. Premiums increase again for senior drivers older than 70 due to aging-related risk factors.

The table below shows the average premium for drivers by age group.

AgeAverage Monthly Quote
Teens$226
20s$159
30s$114
40s$104
50s$93
60s$84
70s$94
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Elkhart, IN

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Elkhart car insurance quotes by credit tier

Indiana, like most states, allows insurance companies to factor in your credit-based insurance score when setting a premium. However, insurance companies in Indiana can’t use your credit history as the only factor they consider when determining rates.[5]

Drivers with poor credit scores typically pay more for insurance because statistics indicate they may file more claims compared to drivers with good or excellent credit. Here are the average full-coverage monthly premiums for car insurance coverage by credit tier in Elkhart.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Elkhart car insurance FAQs

Before you start shopping around for car insurance, you should determine the right level of coverage for you. The following information should help you navigate the process of finding cheap coverage in Elkhart.

  • How much is car insurance in Elkhart?

    Elkhart drivers pay $64 per month for liability coverage and $125 for full-coverage insurance, on average. The overall cost of car insurance in Elkhart is $94 per month. The cost of your coverage will depend on your driving record, age, credit history, and more.

  • Which companies have the cheapest car insurance in Elkhart?

    With a liability rate of $24 per month, Auto-Owners has the cheapest car insurance company in Elkhart. State Farm and USAA also offer affordable insurance options, with monthly liability rates of $26 and $27, respectively.

    The best way to find cheap car insurance is to compare quotes from multiple auto insurers.

  • What are the best car insurance companies in Elkhart?

    State Farm is the best car insurance company in Elkhart for a few reasons, including customizable coverage options, an Insurify Quality (IQ) Score of 4.6 out of 5, and an AM Best financial strength rating of A++ (Superior). Policyholders with coverage from State Farm in Indiana pay $29 per month for liability insurance and $55 for full-coverage insurance. Other top insurers include Auto-Owners, GEICO, and Progressive.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "QuickFacts Elkhart city, Indiana."
  2. NOLO. "Indiana Car Insurance Laws and Requirements."
  3. Insurance Information Institute. "12 Ways to Lower Your Homeowners Insurance Costs."
  4. Indiana Department of Insurance. "Auto Insurance."
  5. Indiana Department of Insurance. "The Use of Credit Information in Underwriting and Rating Insurance Policies."
Mark Vallet
Mark Vallet

Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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