Compare Elkhart, IN Car Insurance Rates (2021)

Car insurance in Elkhart, IN averages $263 a month. Elkhart, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Elkhart car insurance rates, compare quotes from the top car insurance companies in Elkhart, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Elkhart is USAA
  • The cheapest car insurance company in Elkhart for teen drivers is USAA
  • Average car insurance rates in Elkhart, IN are $3,151/year

If you need to buy Elkhart, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Elkhart, IN is right here.

You’ll find Elkhart car insurance rates, the cheapest Elkhart, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Elkhart, Indiana car insurance rates to Indianapolis car insurance rates, Fort Wayne car insurance rates, and Carmel car insurance rates.

Ready to find affordable Elkhart, IN car insurance today? Enter your ZIP code for fast, free Elkhart car insurance quotes.

Cheapest Elkhart, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Elkhart, IN car insurance rates? Every Elkhart, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elkhart, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,302 $2,355 $2,028 $2,217 $7,095 $8,956 $2,326 $2,528
American Family $2,340 $2,340 $2,106 $2,106 $6,505 $9,403 $2,340 $2,872
Farmers $1,486 $1,466 $1,269 $1,431 $8,144 $8,710 $1,970 $2,122
GEICO $1,332 $1,325 $1,247 $1,287 $3,910 $3,640 $1,524 $1,346
Liberty Mutual $3,773 $3,773 $3,469 $3,469 $8,242 $12,437 $3,773 $5,167
Nationwide $1,513 $1,545 $1,330 $1,418 $4,366 $5,661 $1,772 $1,936
Progressive $1,506 $1,423 $1,369 $1,376 $8,955 $10,072 $1,888 $1,926
State Farm $1,417 $1,417 $1,271 $1,271 $4,409 $5,639 $1,573 $1,751
Travelers $1,164 $1,183 $1,094 $1,093 $7,269 $11,474 $1,234 $1,421
USAA $1,050 $1,034 $982 $987 $2,952 $3,289 $1,420 $1,516

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Minimum Car Insurance in Elkhart, IN

Every driver must carry the minimum car insurance in Elkhart, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Elkhart, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Elkhart, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Elkhart, IN. Compare credit history car insurance rates in Elkhart from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Elkhart, Indiana

Insurance Company Poor Fair Good
Allstate $4,612 $3,439 $3,127
American Family $5,137 $3,330 $2,786
Farmers $3,874 $3,165 $2,935
GEICO $2,345 $1,952 $1,558
Liberty Mutual $7,341 $4,779 $4,419
Nationwide $2,777 $2,349 $2,202
Progressive $3,924 $3,482 $3,286
State Farm $3,415 $2,037 $1,579
Travelers $3,607 $3,060 $3,058
USAA $2,220 $1,474 $1,266

Cheapest Elkhart, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Elkhart, IN to rates for a clean record with top companies.

Annual Elkhart, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,975 $4,367 $4,026 $3,535
American Family $2,585 $4,119 $5,221 $3,081
Farmers $2,975 $3,466 $3,575 $3,283
GEICO $1,282 $2,017 $2,733 $1,774
Liberty Mutual $4,286 $5,064 $7,973 $4,729
Nationwide $2,104 $2,705 $2,595 $2,367
Progressive $2,673 $4,688 $3,186 $3,710
State Farm $2,286 $2,515 $2,286 $2,286
Travelers $2,756 $3,403 $3,854 $2,954
USAA $1,247 $1,780 $2,040 $1,547

Cheapest Elkhart, IN Car Insurance for Teen Drivers

Teen car insurance in Elkhart, IN can be expensive. Take a look at rates from the top car insurance companies in Elkhart for teenagers.

Annual Car Insurance Rates for Teen Drivers in Elkhart, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,095 $8,956
American Family $6,505 $9,403
Farmers $8,144 $8,710
GEICO $3,910 $3,640
Liberty Mutual $8,242 $12,437
Nationwide $4,366 $5,661
Progressive $8,955 $10,072
State Farm $4,409 $5,639
Travelers $7,269 $11,474
USAA $2,952 $3,289

Cheapest Elkhart, IN Car Insurance for Seniors

Take a look at Elkhart, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Elkhart, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,028 $2,217
American Family $2,106 $2,106
Farmers $1,269 $1,431
GEICO $1,247 $1,287
Liberty Mutual $3,469 $3,469
Nationwide $1,330 $1,418
Progressive $1,369 $1,376
State Farm $1,271 $1,271
Travelers $1,094 $1,093
USAA $982 $987

Cheapest Elkhart, IN Car Insurance Rates After a DUI

A DUI in Elkhart, IN increases car insurance rates. Compare Elkhart, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Elkhart, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,026
American Family $5,221
Farmers $3,575
GEICO $2,733
Liberty Mutual $7,973
Nationwide $2,595
Progressive $3,186
State Farm $2,286
Travelers $3,854
USAA $2,040

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Cheapest Elkhart, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Elkhart, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Elkhart, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,726 $3,726
American Family $3,706 $3,797
Farmers $3,325 $3,325
GEICO $1,919 $1,984
Liberty Mutual $5,367 $5,659
Nationwide $2,443 $2,443
Progressive $3,564 $3,564
State Farm $2,277 $2,410
Travelers $3,242 $3,242
USAA $1,632 $1,675

Cheapest Elkhart, IN Car Insurance Rates by ZIP Code

Elkhart car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Elkhart, IN.

Annual Car Insurance Rates by ZIP Code in Elkhart, Indiana

ZIP Code Average Annual Rates
46514 $3,073
46516 $3,091
46517 $3,083

The Best Cheap Car Insurance Companies in Elkhart, IN

Take a look at a side-by-side comparison of the top car insurance companies in Elkhart, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Elkhart, Indiana

Insurance Company Average Annual Rates
Allstate $3,726
American Family $3,751
Farmers $3,325
GEICO $1,952
Liberty Mutual $5,513
Nationwide $2,443
Progressive $3,564
State Farm $2,343
Travelers $3,242
USAA $1,654

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Category Winners: Cheapest Car Insurance in Elkhart, Indiana

Find the cheapest car insurance companies in Elkhart, IN for each category right here.

Best Annual Car Insurance Rates by Company in Elkhart, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Elkhart, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Elkhart car insurance rates. Find the cheapest Elkhart, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Elkhart, Indiana

Insurance Company Low Medium High
Allstate $3,545 $3,710 $3,923
American Family $3,709 $3,875 $3,670
Farmers $3,201 $3,318 $3,455
GEICO $1,840 $1,945 $2,069
Liberty Mutual $5,337 $5,499 $5,703
Nationwide $2,468 $2,424 $2,435
Progressive $3,367 $3,509 $3,817
State Farm $2,225 $2,343 $2,462
Travelers $3,184 $3,271 $3,270
USAA $1,588 $1,649 $1,724

What affects car insurance rates in Elkhart, Indiana?

What factors can have an impact on Elkhart, IN car insurance? There are several reasons why Elkhart car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Elkhart, Indiana.

Car Theft in Elkhart

High levels of vehicle theft can make car insurance more expensive. Elkhart, IN car theft statistics from the FBI indicate 278 vehicle thefts a year.

Commute Time in Elkhart

The more time you spend in your car the higher the risk of an accident. The average commute length in Elkhart, IN is 18.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Elkhart, IN

Ready to find affordable Elkhart, Indiana car insurance today? Enter your ZIP code for fast, free Elkhart, IN car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State