Cheapest Auto Insurance in South Bend, Indiana (2024)

Auto-Owners has the cheapest liability coverage in South Bend, at a monthly rate of $26.

Athena Valentine Lent
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. 

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.

Featured in

media logomedia logo

Updated May 23, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near South Bend, Indiana

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $55/mo for full coverage in South Bend and other Indiana cities.

*Quotes generated for Insurify users in and around South Bend, Indiana within the last 10 days. Last updated on May 23, 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 May 23, 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 May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

With a population of around 103,000, South Bend is the fourth-largest city in Indiana.[1] On average, South Bend drivers pay $101 per month for car insurance overall, which is close to the state average cost of $105. 

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 $65 per month for liability and $136 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 $160.

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 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
State Farm4.6$55$29Cheap rates
USAA4.7$58$30Military community
Dairyland3.5$171$64High-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 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. Criteria are weighted 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. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: 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.
$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.
$53/mo

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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for the military community: USAA

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.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$56/mo

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

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

Best insurer for high-risk drivers: Dairyland

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.
3.5
A.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+
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.
$62/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.
$164/mo

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

Read our Dairyland review
Mochael - May 21, 2024
Verified

Dairyland and I agreed on a liability-only policy at a rate of $209 per month. I provided them with all my information, including both at-fault and not-at-fault incidents, as well as tickets. Then, I received a text message stating they were going to withdraw $368 from my account due to an at-fault accident. I had already informed them about this accident when we agreed on the premium. They had all my information when we settled at $209 a month. Now, they want to raise my rate after I've given them all my information. I've since canceled my policy with them and moved on.

Dairyland and I agreed on a liability-only policy at a rate of $209 per month. I provided them with all my information, including both at-fault and not-at-fault incidents, as well as tickets. Then, I received a text message stating they were going to withdraw $368 from my account due to an at-fault accident. I had already informed them about this accident when we agreed on the premium. They had all my information when we settled at $209 a month. Now, they want to raise my rate after I've given them all my information. I've since canceled my policy with them and moved on.

James - May 14, 2024
Verified

Very Pleased

I haven't had any problems. I've made no claims. I received the renewal policy at a lower rate than expected, well in advance of the renewal date. I'm unlikely to change.

Laura - April 15, 2024
Verified

Ok

Very good

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 $65 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners26
State Farm28
USAA29
GEICO31
American Family40
Clearcover46
Progressive51
Travelers55
Farmers57
National General57
Dairyland62
Direct Auto64
Allstate65
Midvale Home & Auto67
Nationwide71
GAINSCO75
Elephant76
Safeco76
The General76
Liberty Mutual79
CSAA81
Bristol West90
Foremost110
AssuranceAmerica122
State Auto136
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 $136 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners50
State Farm53
USAA56
GEICO59
Clearcover75
American Family78
Progressive98
Travelers105
Midvale Home & Auto109
Farmers110
National General115
Elephant116
Allstate125
Direct Auto125
Nationwide138
GAINSCO141
CSAA144
Safeco144
Dairyland164
AssuranceAmerica171
The General179
Liberty Mutual180
State Auto191
Bristol West206
Foremost232
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.

Estimate your South Bend car insurance costs

Select discounts that apply to you
Save 26%
Save 4%
Save 20%
Save 38%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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:

CoverageMinimum 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:

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

    Collision coverage

    If you have an accident, collision coverage can pay for your vehicle replacement or repair costs, regardless of who caused the damage.

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

    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.

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

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 $134 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
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $202 per month for full coverage and $96 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2634
State Farm2837
USAA2938
GEICO3141
American Family4053
Clearcover4661
Progressive5168
Travelers5573
Farmers5775
National General5783
Dairyland6282
Direct Auto6486
Allstate6586
Midvale Home & Auto6792
Nationwide7195
GAINSCO75109
Elephant76111
Safeco76102
The General76102
Liberty Mutual79115
CSAA81110
Bristol West90118
Foremost110160
AssuranceAmerica122165
State Auto136195
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 $199 per month for full coverage and $95 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2635
State Farm2838
USAA2939
GEICO3142
American Family4054
Clearcover4666
Progressive5170
Travelers5575
Farmers5776
National General5776
Dairyland6284
Direct Auto6488
Allstate6588
Midvale Home & Auto6795
Nationwide7196
GAINSCO7598
Elephant76101
Safeco7699
The General76104
Liberty Mutual79116
CSAA81114
Bristol West90119
Foremost110162
AssuranceAmerica122165
State Auto136202
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 $226 per month for full coverage and $108 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2643
State Farm2847
USAA2948
GEICO3152
American Family4067
Clearcover4677
Progressive5185
Travelers5592
Farmers5795
National General5795
Dairyland62104
Direct Auto64107
Allstate65109
Midvale Home & Auto67112
Nationwide71119
GAINSCO75125
Elephant76127
Safeco76127
The General76127
Liberty Mutual79132
CSAA81135
Bristol West90150
Foremost110184
AssuranceAmerica122204
State Auto136227
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 $93 per month for full coverage and $44 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1936
State Farm2037
USAA2140
GEICO2243
American Family2855
Clearcover3354
Progressive3363
Travelers3975
Farmers4078
National General4284
Dairyland45120
Direct Auto4587
Midvale Home & Auto4675
Allstate4791
Nationwide4893
Elephant5483
GAINSCO56105
Safeco56105
Liberty Mutual57129
The General57134
CSAA58102
Bristol West66150
Foremost78164
AssuranceAmerica84118
State Auto95134
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 $234 per month for full coverage and $112 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4484
State Farm4688
GEICO4790
USAA4791
American Family68133
Clearcover87143
Progressive90173
Travelers97185
Farmers98189
Dairyland101268
National General104210
Allstate111213
Direct Auto114223
Midvale Home & Auto114185
Nationwide118230
The General120283
Elephant122187
CSAA130231
GAINSCO131246
Liberty Mutual144328
Bristol West150342
Safeco156295
Foremost190401
AssuranceAmerica221310
State Auto235330
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.

Find Cheap Car Insurance in South Bend

Insurify partners with 100+ top insurers for real-time quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $160 per month, while the average insurance rate in South Bend is much lower, at $101 per month. The cost in South Bend is in line with the Indiana state average of $105 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 $358 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 $136 per month. See how average rates in other cities compare below.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Elkhart $64$125
Evansville$74$141
Fort Wayne74$146
Indianapolis$77$160
Lafayette$67$126
Terre Haute$66$121
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 $101 per month. On average, drivers pay $65 per month for liability and $136 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 $29, respectively.

  • What are the best car insurance companies in South Bend?

    With an Insurify Quality (IQ) Score of 4.6 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
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 South Bend city, Indiana."
  2. United States Census Bureau. "Travel Time to Work in the United States: 2019."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. NOLO. "Indiana Car Insurance Laws and Requirements."
  5. Indiana Bureau of Motor Vehicles. "Insurance Requirements."
  6. Insurance Information Instititute. "What determines the price of an auto insurance policy?."
  7. NOLO. "Indiana DUI/OWI Laws and Conviction Penalties."
  8. Indiana Department of Insurance. "The Use of Credit Information in Underwriting and Rating Insurance Policies."
Athena Valentine Lent
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. 

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

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all