Cheapest Auto Insurance in South Bend, Indiana (2024)
Auto-Owners has the cheapest liability coverage in South Bend, at a monthly rate of $26.
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Written byAthena Valentine Lent
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Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George.
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Edited byKatie Powers
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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 November 20, 2024
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Table of contents
With a population of around 103,000, South Bend is the fourth-largest city in Indiana.[1] On average, South Bend drivers pay $104 per month for car insurance overall, which is close to the state average cost of $108.
South Bend residents commuting to work have an average travel time of 20.1 minutes, which is nearly seven and a half minutes less than the average commute time in the U.S.[2] Less time spent on the road leads to fewer accidents, which can decrease average auto premiums in an area.
To find the cheapest quotes for your insurance needs, you’ll want to compare quotes from multiple insurers. Here’s what you should know about finding cheap coverage in South Bend.
Quick Facts
South Bend drivers pay $68 per month for liability and $140 for full coverage.
Auto-Owners, State Farm, and USAA offer the cheapest liability coverage in South Bend.
The overall cost of insurance in South Bend is much less than the national average of $154.
3 of the cheapest car insurance companies in South Bend
The best auto insurance company for you in South Bend will depend on various factors, including your car’s make and model, driving record, and chosen coverage. An insurance company may also look at your credit score, age, and ZIP code when determining rates. You should consider your budget and coverage needs when shopping around for coverage.
State Farm, USAA, and Dairyland are some of the best insurers available in South Bend.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $57 | $29 | Cheap rates |
| USAA | 9.4 | $61 | $31 | Military community |
| Dairyland | 7.0 | $175 | $71 | High-risk drivers |
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.
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 10 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 cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $28/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 |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
For three years in a row, State Farm earned the top customer satisfaction ranking in the J.D. Power U.S. Insurance Shopping Study. The insurer offers different types of coverage, including auto, home, property, disability, health, small business, and life insurance policies.
Customers can save on coverage by bundling two or more policies. Drivers can also earn discounts for remaining accident-free, completing an approved defensive driving course, insuring two or more vehicles, and more.
Pros
AM Best financial strength rating of A++ (Superior)
Rideshare insurance available
Cons
Gap insurance not available
Some negative online customer reviews
Best insurer for the military community: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| 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. | $30/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. | $59/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA sells insurance products to active, reserve, and retired military personnel and their eligible family members. The company allows you to customize your auto policy by adding additional coverage, such as collision and accidental forgiveness. Along with competitive rates, USAA offers multiple discounts and other ways for members to save. The company has a SafePilot program that rewards customers for driving safely.
Pros
10% discount for enrolling in SafePilot program
10 advertised discounts
Cons
Only for military members, veterans, and eligible family
No 24/7 live customer support over the phone
Best insurer for high-risk drivers: Dairyland
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| 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. | $68/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. | $169/mo |
3.6
A solid optionBased on 246 verified guest reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (133)
Oliver
November 5, 2024
Verified Review
Review Option
The insurance premium is too high without much coverage.
Stephen
November 5, 2024
Verified Review
Excellent
I paid them every month and they insured my car every month. It's not rocket science.
Pamela
November 4, 2024
Verified Review
Cheaper Coverage
I have recommended Dairyland to many people as they are the best I've had. However, my financial situation has changed and it's become difficult to make ends meet. So, I'm exploring options to reduce some of my bills.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.61A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Dairyland caters to high-risk policyholders in need of non-standard car insurance. The company offers SR-22 insurance, non-owner auto insurance, and policy restarts for people who had their previous policy canceled due to non-payment. If you have a car accident, Dairyland lets you pick what body shop or mechanic to bring your car to. Dairyland earned an A+ (Superior) financial strength rating from AM Best.
Pros
Covers non-standard insurance needs
No filing fees for SR-22 insurance
Cons
Lower IQ Score than other insurers
Gap insurance not available
How to get the cheapest car insurance in South Bend
Along with your age and driving record, car insurance companies may consider your gender, the make and model of your car, the area you live in, and your credit score when offering you a policy.
Though you can’t control some factors influencing insurance costs, you can take steps to earn cheaper coverage. The following tactics can help you find lower rates:
Only buy necessary coverage. Having full-coverage insurance for an older car you plan on replacing might not make sense financially. Consider dropping some of your coverage if you have a particularly old, high-mileage, or inexpensive vehicle.
Shop around. Look to see who has a lower rate in case it makes sense to switch over.
Inquire about available discounts. Insurance companies offer discounts if you ask for them. Student, military, clean driving record, and more are available.
Consider alternative coverage. If you drive infrequently, consider usage-based insurance (UBI). This type of coverage can cost much less than a standard policy if you’re a low-mileage driver.
Cheapest liability-only car insurance in South Bend: Auto-Owners
Liability-only insurance is the minimum amount of coverage you need to drive a vehicle. If you cause an accident, your liability policy will cover the other driver’s resulting vehicle damages and medical expenses. It doesn’t cover any of your vehicle repairs or medical bills.[3] Most drivers purchase coverage beyond the minimums to protect their vehicle.
Liability-only policies in South Bend cost $68 per month, on average. Here are the cheapest average quotes for liability coverage in South Bend.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $26 |
| State Farm | $28 |
| USAA | $30 |
| GEICO | $31 |
| American Family | $41 |
| Clearcover | $47 |
| Progressive | $52 |
| Travelers | $55 |
| Farmers | $58 |
| Direct Auto | $62 |
| Root | $64 |
| Allstate | $65 |
| Dairyland | $68 |
| Nationwide | $72 |
| CSAA | $73 |
| National General | $77 |
| The General | $78 |
| Safeco | $80 |
| Bristol West | $83 |
| Elephant | $83 |
| Liberty Mutual | $85 |
| GAINSCO | $87 |
| Foremost | $109 |
| AssuranceAmerica | $120 |
| State Auto | $137 |
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 South Bend: Auto-Owners
Full-coverage car insurance includes liability, comprehensive, and collision coverages. Unlike liability-only coverage, full coverage can cover damages to your vehicle. Drivers in South Bend pay an average of $140 per month for full-coverage insurance.
If you finance or lease your vehicle, your lender will likely require you to purchase this policy. Even if you don’t need to purchase it, you should consider buying this additional vehicle protection, especially if you have a new or expensive vehicle.
Here are some of the cheapest quotes for full-coverage insurance in South Bend.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $52 |
| State Farm | $55 |
| USAA | $59 |
| GEICO | $61 |
| Clearcover | $78 |
| American Family | $81 |
| Root | $101 |
| Progressive | $102 |
| Travelers | $109 |
| Farmers | $114 |
| Direct Auto | $120 |
| CSAA | $122 |
| Allstate | $129 |
| Elephant | $129 |
| Nationwide | $143 |
| Safeco | $143 |
| National General | $152 |
| Dairyland | $169 |
| The General | $177 |
| Bristol West | $186 |
| AssuranceAmerica | $189 |
| Liberty Mutual | $191 |
| GAINSCO | $200 |
| Foremost | $206 |
| State Auto | $270 |
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 South Bend, Indiana
Recent South Bend, Indiana car insurance prices for Hyundai, Volkswagen, Toyota , and more.
*Quotes generated for Insurify users in and around South Bend, Indiana within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around South Bend, Indiana within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Indiana
Indiana is an at-fault state when it comes to auto accidents. The driver responsible for the accident needs to cover the other party’s property damage and medical expenses resulting from the accident.[4]
Indiana law requires drivers to carry minimum amounts of bodily injury and property damage liability coverage.[5] Here are the specific requirements:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per accident |
| Property damage liability | $25,000 per accident |
Most drivers choose to purchase coverage beyond their state’s minimum liability requirements. For more financial protection, you should consider the following optional coverages:
Collision coverage
If you have an accident, collision coverage can pay for your vehicle replacement or repair costs, regardless of who caused the damage.
Comprehensive coverage
In the event of vehicle damage from a non-collision incident — like severe weather, vandalism, or fire — comprehensive coverage kicks in to protect your vehicle.
Medical payments coverage
Medical payments coverage can pay for medical treatment for you and your passengers after an accident, up to a certain limit. It can even sometimes cover funeral expenses.
Roadside assistance coverage
Specifics vary by insurer, but roadside assistance coverage typically provides customers access to services like towing, jump-starts, flat-tire changes, gas delivery, winching, and more.
Cheapest car insurance for drivers with an incident
A driving incident refers to the moving violations that can end up on your driving record, like at-fault accidents, speeding tickets, and driving under the influence (DUI) charges. Having driving incidents on your record makes you a riskier driver to insure and typically results in higher car insurance premiums.[6]
How much your premium increases after a violation depends on whether you have other incidents on your record and the severity of your offense. South Bend drivers with an incident on their record pay $133 per month for car insurance, on average.
Find Car Insurance After an Incident
Rates start as low as $32 per month for drivers with infractions
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
A speeding ticket on your record can increase your insurance premiums. Speeding demonstrates risky driving behavior, which can make insurers wary of potential future claims. How much your premium increases after a speeding ticket will depend on how fast you were going over the speed limit.
On average, South Bend drivers with a speeding ticket pay $203 per month for full coverage and $99 for liability-only car insurance. Here are the average rates for South Bend drivers in this category.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $26 | $35 |
| State Farm | $28 | $37 |
| USAA | $30 | $40 |
| GEICO | $31 | $41 |
| American Family | $41 | $54 |
| Clearcover | $47 | $63 |
| Progressive | $52 | $68 |
| Travelers | $55 | $73 |
| Farmers | $58 | $76 |
| Direct Auto | $62 | $82 |
| Root | $64 | $91 |
| Allstate | $65 | $86 |
| Dairyland | $68 | $90 |
| Nationwide | $72 | $96 |
| CSAA | $73 | $98 |
| National General | $77 | $102 |
| The General | $78 | $105 |
| Safeco | $80 | $107 |
| Bristol West | $83 | $110 |
| Elephant | $83 | $118 |
| Liberty Mutual | $85 | $121 |
| GAINSCO | $87 | $124 |
| Foremost | $109 | $155 |
| AssuranceAmerica | $120 | $158 |
| State Auto | $137 | $195 |
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 car insurance for drivers with an at-fault accident: Auto-Owners
If you cause an accident, it will go on your driving record and likely result in higher insurance premiums. You can cause an accident by texting while driving, running a red light, operating illegally in a lane, speeding, and more. Your insurer will increase your rates to account for the amount of risk you pose.
In South Bend, drivers with an at-fault accident pay $201 per month for full coverage and $98 for liability-only car insurance. Find some of the cheapest quotes from top insurers in South Bend below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $26 | $35 |
| State Farm | $28 | $38 |
| USAA | $30 | $41 |
| GEICO | $31 | $42 |
| American Family | $41 | $56 |
| Clearcover | $47 | $68 |
| Progressive | $52 | $71 |
| Travelers | $55 | $75 |
| Farmers | $58 | $78 |
| Direct Auto | $62 | $86 |
| Root | $64 | $93 |
| Allstate | $65 | $88 |
| Dairyland | $68 | $91 |
| Nationwide | $72 | $98 |
| CSAA | $73 | $102 |
| National General | $77 | $104 |
| The General | $78 | $108 |
| Safeco | $80 | $107 |
| Bristol West | $83 | $112 |
| Elephant | $83 | $110 |
| Liberty Mutual | $85 | $123 |
| GAINSCO | $87 | $113 |
| Foremost | $109 | $157 |
| AssuranceAmerica | $120 | $159 |
| State Auto | $137 | $202 |
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 car insurance for drivers with a DUI: Auto-Owners
Driving while incapacitated due to drugs or alcohol affects your judgment and your ability to see correctly and use motor skills. Due to the severity of the offense, a DUI can result in hefty fines, driver’s license suspension, jail time, and more in Indiana.[7] And when you can get back on the road after a DUI, you typically have to pay significantly increased premiums.
Drivers with a past DUI in South Bend pay $229 per month for full coverage and $111 for liability-only car insurance, on average. Take a look at the best options for coverage after a DUI in South Bend below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $26 | $43 |
| State Farm | $28 | $46 |
| USAA | $30 | $49 |
| GEICO | $31 | $51 |
| American Family | $41 | $67 |
| Clearcover | $47 | $77 |
| Progressive | $52 | $85 |
| Travelers | $55 | $90 |
| Farmers | $58 | $95 |
| Direct Auto | $62 | $102 |
| Root | $64 | $94 |
| Allstate | $65 | $107 |
| Dairyland | $68 | $112 |
| Nationwide | $72 | $118 |
| CSAA | $73 | $108 |
| National General | $77 | $126 |
| The General | $78 | $128 |
| Safeco | $80 | $122 |
| Bristol West | $83 | $136 |
| Elephant | $83 | $136 |
| Liberty Mutual | $85 | $140 |
| GAINSCO | $87 | $143 |
| Foremost | $109 | $179 |
| AssuranceAmerica | $120 | $197 |
| State Auto | $137 | $225 |
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 car insurance for seniors: Auto-Owners
Your age is one of the factors auto insurers use when calculating auto insurance premiums. Drivers between the ages of 35 and 70 typically benefit from premiums that decrease with age due to continued driving experience. After the age of 70, drivers may start to face increased premiums because auto insurers may begin accounting for aging-related risk factors.
Senior drivers pay an average monthly rate of $107 per month for full coverage and $52 for liability-only car insurance in South Bend. Here are the best options for senior drivers in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $20 | $39 |
| State Farm | $21 | $41 |
| USAA | $23 | $45 |
| GEICO | $24 | $47 |
| American Family | $31 | $61 |
| Progressive | $36 | $70 |
| Clearcover | $39 | $65 |
| Travelers | $41 | $82 |
| Farmers | $43 | $85 |
| Direct Auto | $46 | $90 |
| Allstate | $50 | $99 |
| Dairyland | $52 | $130 |
| Nationwide | $52 | $102 |
| Root | $52 | $82 |
| CSAA | $53 | $89 |
| National General | $56 | $111 |
| The General | $61 | $138 |
| Bristol West | $64 | $143 |
| Elephant | $65 | $101 |
| Safeco | $66 | $118 |
| Liberty Mutual | $69 | $154 |
| GAINSCO | $70 | $161 |
| Foremost | $84 | $158 |
| AssuranceAmerica | $87 | $137 |
| State Auto | $98 | $193 |
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 car insurance for teens: Auto-Owners
Teenagers face the highest car insurance rates by driver age due to their lack of experience driving and higher accident rates. Teens are also more likely than older drivers to participate in risky behavior while operating the vehicle, such as playing with their phones, putting on makeup, or eating.
Teens can earn cheaper car insurance by joining their parents’ existing insurance policy, earning good grades to qualify for a student discount, and maintaining a clean driver record. In South Bend, car insurance for teen drivers costs $253 per month for full coverage and $123 for liability only, on average. Below, you can find some of the best coverage options for teens in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $45 | $90 |
| State Farm | $50 | $97 |
| GEICO | $51 | $101 |
| USAA | $52 | $102 |
| American Family | $73 | $144 |
| Clearcover | $89 | $148 |
| Progressive | $94 | $184 |
| Root | $99 | $156 |
| Travelers | $102 | $203 |
| Farmers | $104 | $205 |
| Dairyland | $113 | $281 |
| Direct Auto | $117 | $226 |
| Allstate | $119 | $237 |
| CSAA | $121 | $202 |
| The General | $128 | $290 |
| Nationwide | $130 | $257 |
| Elephant | $139 | $216 |
| Bristol West | $144 | $323 |
| Liberty Mutual | $150 | $338 |
| GAINSCO | $155 | $356 |
| National General | $156 | $307 |
| Safeco | $158 | $283 |
| Foremost | $199 | $377 |
| AssuranceAmerica | $227 | $357 |
| State Auto | $251 | $494 |
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.
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South Bend car insurance quotes by credit tier
Indiana allows insurance companies to use your credit history when determining your car insurance premium.[8] Credit history can help insurance providers determine your financial stability. Based on your credit-based insurance score, agents can assume your likelihood of getting into an accident and whether you can financially handle it.
Drivers with good or excellent credit tend to pay lower premiums than people with poor credit. Here are the average monthly rates for full-coverage insurance in South Bend by credit tier.
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.
Is car insurance more expensive in South Bend?
The national average cost for car insurance is $154 per month, while the average insurance rate in South Bend is much lower, at $104 per month. The cost in South Bend is in line with the Indiana state average of $108 per month.
Within Indiana, car insurance rates can vary by city and ZIP code due to factors like crime rates, population, cost of living, and more. Drivers in Indiana benefit from the state’s at-fault insurance laws and relatively low minimum car insurance requirements.
Cities with a lower cost of living also typically pay lower rates. For example, New York City drivers pay $503 per month, which is much more expensive than coverage in South Bend.
More cities in Indiana
Drivers in South Bend tend to earn lower rates than some other Indiana cities. On average, the cost of full-coverage insurance in South Bend is $140 per month. See how average rates in other cities compare below.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Elkhart | $65 | $127 |
| Evansville | $77 | $144 |
| Fort Wayne | 76 | $147 |
| Indianapolis | $85 | $168 |
| Lafayette | $70 | $133 |
| Terre Haute | $69 | $129 |
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.
South Bend car insurance FAQs
Before you start shopping around for car insurance, you should decide how much coverage you need. The following information should answer any of your remaining questions and help you navigate the process of buying car insurance.
How much is car insurance in South Bend?
The overall cost of car insurance in South Bend is $104 per month. On average, drivers pay $68 per month for liability and $140 for full-coverage insurance.
Which companies have the cheapest car insurance rates in South Bend?
South Bend drivers will find the lowest rates with Auto-Owners, which has liability-only rates that start as low as $26 per month. State Farm and USAA are also cheap options for South Bend motorists, with monthly liability coverage rates starting at $28 and $30, respectively.
What are the best car insurance companies in South Bend?
With an Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and a high customer satisfaction ranking from J.D. Power, State Farm is the best car insurance company in South Bend. Other top insurers include USAA, GEICO, and Dairyland.
Is Indiana a no-fault state?
No. Indiana is an at-fault state. This means that the driver who caused the accident is responsible for the other driver’s injuries and vehicle damage. A driver who suffered injury or damage from the accident can file a claim with their own insurance company, file a third-party claim with the other driver’s insurer, or file a personal injury lawsuit in civil court.
How can you get the most affordable car insurance rates in South Bend?
You can earn cheaper rates in South Bend by comparing quotes from multiple insurers before deciding on a policy. You can also increase your deductible to pay lower premiums, practice safe driving habits, bundle your home and auto policies, take a defensive driving course, and inquire about discounts.
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
- 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.
Related articles
More cities in Indiana
Sources
- United States Census Bureau. "QuickFacts South Bend city, Indiana."
- United States Census Bureau. "Travel Time to Work in the United States: 2019."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- NOLO. "Indiana Car Insurance Laws and Requirements."
- Indiana Bureau of Motor Vehicles. "Insurance Requirements."
- Insurance Information Instititute. "What determines the price of an auto insurance policy?."
- NOLO. "Indiana DUI/OWI Laws and Conviction Penalties."
- Indiana Department of Insurance. "The Use of Credit Information in Underwriting and Rating Insurance Policies."
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Athena Valentine Lent
Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George.
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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