Best Cheap Auto Insurance in South Bend, Indiana (2024)

Auto-Owners, State Farm, and USAA offer the cheapest liability coverage in the city.

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.

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Updated March 26, 2024

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Cheapest recent rates in Indiana

Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $78/mo for full coverage in Indiana.

*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on March 25, 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 March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on March 25, 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 March 25, 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 $102 per month for car insurance, which is close to the state average cost of $104. 

South Bend residents commuting to work have an average travel time of 20.1 minutes, which is nearly seven and a half minutes fewer 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 $139 for full coverage.

  • The overall cost of insurance in South Bend is less than the national average.

  • Indiana is an at-fault state. This means the driver who caused the accident must cover the other party’s injuries and damage.

Find Car Insurance in South Bend, Indiana

Rates start at $26 for liability coverage

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Best 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.

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.
4.4
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.
$54/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

Craig - March 26, 2024
Verified

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

David - March 26, 2024
Verified

Considering Expanding Coverage

I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.

Beverly - March 26, 2024
Verified

Unsatisfactory Experience

A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
Read our State Farm review

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.
4.3
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.
$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.
$57/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

Roy - March 21, 2024
Verified

My Review

USAA is the best.

Gary - March 18, 2024
Verified

Poor

Too darn high.

Gabrielle - March 16, 2024
Verified

Just Don't! Save Yourself!

Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!
Read our USAA review

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.
3.3
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.
$166/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

Alvin - March 8, 2024
Verified

Great

They are honest and they will get you what you need.

Linda - February 21, 2024
Verified

Excellent

It's too much money for my car insurance. I just can't afford it.

Barbara - February 20, 2024
Verified

High Prices

Dairyland's prices are extremely high. I have a valid driver's license and a good record, with no tickets in the last 5 years.
Read our Dairyland review

Cheapest liability-only car insurance in South Bend

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.

Here are the cheapest average options for liability coverage in South Bend.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners26
State Farm28
USAA30
GEICO31
American Family42
Clearcover42
Progressive53
Travelers56
National General57
Farmers59
Dairyland62
Allstate67
Midvale Home & Auto67
Direct Auto68
GAINSCO71
Nationwide74
Safeco75
Elephant77
Liberty Mutual77
The General77
CSAA87
Bristol West93
Foremost110
AssuranceAmerica122
State Auto139
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

Full-coverage car insurance includes liability, medical payments, comprehensive, and collision coverage. Unlike liability-only coverage, full coverage can cover damages to your vehicle and medical care for you and your passengers.

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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners50
State Farm54
USAA57
GEICO59
Clearcover62
American Family79
Travelers89
Progressive100
Midvale Home & Auto109
Nationwide109
Farmers111
Elephant117
Direct Auto121
National General122
GAINSCO125
Allstate126
Safeco133
CSAA157
AssuranceAmerica166
Dairyland166
Liberty Mutual173
The General175
State Auto195
Bristol West205
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.

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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 $137 per month for car insurance, on average.

Find Car Insurance After an Incident

Rates start as low as $33 per month for drivers with infractions

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Cheapest car insurance for drivers with a speeding ticket

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 $152 per month for car insurance. Here are the average rates for South Bend drivers in this category.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners6835
State Farm7036
USAA7540
GEICO7841
Clearcover8860
American Family10656
Travelers11975
Progressive13773
Nationwide14598
Farmers14778
Elephant156102
GAINSCO16191
National General16276
Direct Auto16593
Allstate16688
Safeco192108
CSAA214119
Dairyland22684
AssuranceAmerica235173
The General238105
Liberty Mutual245109
Bristol West275125
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

If you cause an accident, an at-fault accident 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 $152 per month for car insurance. Find some of the cheapest quotes from top insurers in South Bend below.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners6936
State Farm7238
USAA7741
GEICO8042
Clearcover9967
American Family10857
Travelers12277
Progressive14175
Nationwide149101
Farmers15180
Elephant160106
GAINSCO16795
National General16879
Direct Auto17096
Allstate17191
Safeco198112
CSAA224124
Dairyland23086
AssuranceAmerica237174
The General245108
Liberty Mutual252112
Bristol West278126
State Auto290207
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

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 $172 per month for 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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners8142
State Farm8745
USAA9249
GEICO9550
Clearcover10068
American Family12868
Travelers14491
Progressive16286
Nationwide176120
Farmers18095
Elephant189125
Direct Auto196110
National General19792
GAINSCO202115
Allstate204108
Safeco215121
CSAA254141
AssuranceAmerica269197
Dairyland269100
Liberty Mutual280125
The General283125
State Auto315225
Bristol West332150
Foremost375178
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

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 75, drivers may start to face increased premiums because auto insurers may begin accounting for aging-related risk factors.

Senior drivers pay an overall average monthly rate of $68 for 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: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners2513
State Farm2613
GEICO3116
USAA3116
American Family3921
Progressive4222
Travelers4730
Clearcover4933
Nationwide5134
Farmers5730
Direct Auto6436
Elephant6442
Allstate6836
National General7736
GAINSCO7945
Safeco8548
AssuranceAmerica8663
Liberty Mutual9643
Dairyland9736
The General10848
Bristol West11552
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

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 $177 per month, on average. You can find some of the best coverage options for teens in the city below.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners8243
State Farm9147
GEICO9248
USAA9349
Clearcover11074
American Family13371
Travelers158100
Progressive17693
Nationwide184125
Elephant191126
Farmers191101
Allstate218116
Direct Auto218123
GAINSCO222126
National General230107
Safeco235133
CSAA260144
Dairyland26699
The General276121
Liberty Mutual289129
AssuranceAmerica313230
Bristol West336153
State Auto345246
Foremost410194
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.

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.

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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 scores 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 scores 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 $139 per month, while the average insurance rate in South Bend is much lower, at $102 per month. The cost in South Bend is in line with the Indiana state average of $104 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 $139 per month. See how average rates in other cities compare below.

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Elkhart $134$63
Evansville$139$75
Fort Wayne$14573
Indianapolis$158$78
Lafayette$123$66
Terre Haute$126$66
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 $102 per month. On average, drivers pay $65 per month for liability and $139 for full-coverage insurance.

  • What company has 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 4.4 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." Accessed September 11, 2023
  2. United States Census Bureau. "Travel Time to Work in the United States: 2019." Accessed September 11, 2023
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed September 11, 2023
  4. NOLO. "Indiana Car Insurance Laws and Requirements." Accessed September 11, 2023
  5. Indiana Bureau of Motor Vehicles. "Insurance Requirements." Accessed September 11, 2023
  6. Insurance Information Instititute. "What determines the price of an auto insurance policy?." Accessed September 11, 2023
  7. NOLO. "Indiana DUI/OWI Laws and Conviction Penalties." Accessed September 11, 2023
  8. Indiana Legal Services. "Credit Scoring." Accessed September 11, 2023
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
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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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