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Cheap Auto Insurance Quotes in South Bend, IN (January 2022)
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Last Updated: January 2022
Car Insurance in South Bend, 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 South Bend, IN to find you the cheapest quotes in the area.
$36
$74
$102
$121
$126
ProgressiveState FarmTravelersNationwideLiberty Mutual
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Cheapest Car Insurance in South Bend, 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 South Bend | |
|---|---|
Progressive | $36/mo |
 State Farm | $74/mo |
 Travelers | $102/mo |
 Nationwide | $121/mo |
 Liberty Mutual | $126/mo |
Average Car Insurance Cost
| Indianapolis | $120/mo |
| Fort Wayne | $109/mo |
| Evansville | $109/mo |
| Carmel | $99/mo |
| South Bend | $108/mo |
| Indiana | $109/mo |
$109
$120
$109
$109
$99
$108
IndianaIndianapolisFort WayneEvansvilleCarmelSouth Bend
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South Bend, IN Driving Facts
Minimum Car Insurance Requirements in IN
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:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more persons
- $25,000 for property damage liability
- $50,000 Uninsured Motorist Coverage
Insurify Insights: How South Bend Drivers Measure Up
South Bend, IN
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how South Bend drivers measure up to their fellow Indiana motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in South Bend
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. South Bend drivers rank 16 in the number of car accidents per driver across all cities in Indiana.
- Rank within state: #16
- Percent of drivers in South Bend with an accident: 11.22%
- Drivers in South Bend, IN with an accident in their driving history paid on average 46.09% more than drivers with a clean record
Speeding in South Bend
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, South Bend drivers rank 22 in the number of speeding infractions per driver.
- Rank within state: #22
- Percent of drivers in South Bend with a speeding ticket: 8.88%
- Drivers in South Bend, IN with a speeding ticket in their driving history paid on average 32.17% more than drivers with a clean record
DUI/DWIs in South Bend
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. South Bend drivers rank 15 in the number of DUI’s per driver across all cities in Indiana.
- Rank within state: #15
- Percent of drivers in South Bend with a DUI: 2.45%
- Drivers in South Bend, IN with a DUI in their driving history paid on average 20% more than drivers with a clean record
Most Popular Vehicle in South Bend
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in South Bend is the Chevrolet Malibu.
Rude Drivers in South Bend
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, South Bend drivers rank 10 in rude driving infractions.
- Rank within state: #10
- Percent of drivers in South Bend with a reckless driving violation: 1.53%
- Drivers in South Bend, IN with a reckless driving violation in their driving history paid on average 39.13% more than drivers with a clean record.
Safest Drivers in South Bend
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; South Bend drivers rank 4 in clean driving records across all cities in Indiana.
- Rank within state: #4
- Percent of drivers in South Bend with clean record: 80.61%
Failure to Yield the Right of Way in South Bend
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. South Bend drivers rank 3 in failure to yield violations per driver across all cities in Indiana.
- Rank within state: #3
- Percent of drivers in South Bend with a failure to yield violation: 0.41%
- Drivers in South Bend, IN with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in South Bend
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, South Bend drivers rank 2 in the number of reckless driving offenses per driver.
- Rank within state: #2
- Percent of drivers in South Bend with a reckless driving offense: 0.31%
Hybrid/Electric Vehicle Ownership in South Bend
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. South Bend drivers rank 26 in hybrid and electric vehicle ownership across all cities in Indiana.
- Rank within state: #26
- Percent of drivers in South Bend with a hybrid/electric vehicle: 0.3%
Methodology
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.
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