Compare Mishawaka, IN Car Insurance Rates (2021)

Car insurance in Mishawaka, IN averages $264 a month. Mishawaka, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Mishawaka car insurance rates, compare quotes from the top car insurance companies in Mishawaka, 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

  • Average car insurance rates in Mishawaka, IN after a DUI are $3,782/year
  • The cheapest ZIP code in Mishawaka is 46544
  • The cheapest car insurance company in Mishawaka is USAA

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

You’ll find Mishawaka car insurance rates, the cheapest Mishawaka, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Mishawaka, Indiana car insurance rates to Gary car insurance rates, South Bend car insurance rates, and Evansville car insurance rates.

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

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

How do age, gender, and marital status affect Mishawaka, IN car insurance rates? Every Mishawaka, 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 Mishawaka, 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 $2,256 $2,304 $1,992 $2,176 $7,035 $8,883 $2,272 $2,469
American Family $2,285 $2,285 $2,057 $2,057 $6,352 $9,181 $2,285 $2,806
Farmers $1,444 $1,423 $1,234 $1,389 $7,875 $8,408 $1,910 $2,061
GEICO $1,573 $1,573 $1,474 $1,527 $4,732 $4,409 $1,810 $1,596
Liberty Mutual $3,828 $3,828 $3,520 $3,520 $8,348 $12,592 $3,828 $5,238
Nationwide $1,350 $1,378 $1,190 $1,267 $3,839 $4,969 $1,576 $1,718
Progressive $1,582 $1,492 $1,439 $1,447 $9,417 $10,577 $1,981 $2,014
State Farm $1,439 $1,439 $1,292 $1,292 $4,496 $5,750 $1,598 $1,778
Travelers $1,172 $1,192 $1,102 $1,100 $7,265 $11,469 $1,241 $1,433
USAA $1,067 $1,050 $995 $1,001 $2,995 $3,341 $1,442 $1,540

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Minimum Car Insurance in Mishawaka, IN

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

Minimum Required Car Insurance Coverage in Mishawaka, 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 Mishawaka, IN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Mishawaka, Indiana

Insurance Company Poor Fair Good
Allstate $4,542 $3,393 $3,085
American Family $5,016 $3,252 $2,722
Farmers $3,752 $3,063 $2,839
GEICO $2,812 $2,337 $1,861
Liberty Mutual $7,441 $4,843 $4,479
Nationwide $2,455 $2,079 $1,949
Progressive $4,120 $3,658 $3,453
State Farm $3,476 $2,073 $1,607
Travelers $3,616 $3,063 $3,061
USAA $2,258 $1,496 $1,283

Cheapest Mishawaka, 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 Mishawaka, IN to rates for a clean record with top companies.

Annual Mishawaka, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,927 $4,306 $3,975 $3,485
American Family $2,524 $4,025 $5,097 $3,008
Farmers $2,880 $3,353 $3,460 $3,179
GEICO $1,525 $2,413 $3,294 $2,115
Liberty Mutual $4,336 $5,129 $8,100 $4,786
Nationwide $1,866 $2,389 $2,293 $2,094
Progressive $2,802 $4,936 $3,342 $3,895
State Farm $2,327 $2,562 $2,327 $2,327
Travelers $2,757 $3,409 $3,863 $2,958
USAA $1,266 $1,806 $2,072 $1,571

Cheapest Mishawaka, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Mishawaka, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,035 $8,883
American Family $6,352 $9,181
Farmers $7,875 $8,408
GEICO $4,732 $4,409
Liberty Mutual $8,348 $12,592
Nationwide $3,839 $4,969
Progressive $9,417 $10,577
State Farm $4,496 $5,750
Travelers $7,265 $11,469
USAA $2,995 $3,341

Cheapest Mishawaka, IN Car Insurance for Seniors

Take a look at Mishawaka, 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 Mishawaka, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,992 $2,176
American Family $2,057 $2,057
Farmers $1,234 $1,389
GEICO $1,474 $1,527
Liberty Mutual $3,520 $3,520
Nationwide $1,190 $1,267
Progressive $1,439 $1,447
State Farm $1,292 $1,292
Travelers $1,102 $1,100
USAA $995 $1,001

Cheapest Mishawaka, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Mishawaka, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,975
American Family $5,097
Farmers $3,460
GEICO $3,294
Liberty Mutual $8,100
Nationwide $2,293
Progressive $3,342
State Farm $2,327
Travelers $3,863
USAA $2,072

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Cheapest Mishawaka, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Mishawaka, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,673 $3,673
American Family $3,619 $3,708
Farmers $3,218 $3,218
GEICO $2,298 $2,376
Liberty Mutual $5,440 $5,736
Nationwide $2,161 $2,161
Progressive $3,744 $3,744
State Farm $2,318 $2,453
Travelers $3,247 $3,247
USAA $1,657 $1,701

Cheapest Mishawaka, IN Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Mishawaka, Indiana

ZIP Code Average Annual Rates
46544 $3,073
46545 $3,102

The Best Cheap Car Insurance Companies in Mishawaka, IN

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

Average Annual Car Insurance Rates by Company in Mishawaka, Indiana

Insurance Company Average Annual Rates
Allstate $3,673
American Family $3,663
Farmers $3,218
GEICO $2,337
Liberty Mutual $5,588
Nationwide $2,161
Progressive $3,744
State Farm $2,385
Travelers $3,247
USAA $1,679

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Category Winners: Cheapest Car Insurance in Mishawaka, Indiana

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

Best Annual Car Insurance Rates by Company in Mishawaka, 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 Mishawaka, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Mishawaka, Indiana

Insurance Company Low Medium High
Allstate $3,492 $3,657 $3,871
American Family $3,622 $3,784 $3,584
Farmers $3,096 $3,211 $3,347
GEICO $2,205 $2,330 $2,474
Liberty Mutual $5,393 $5,573 $5,798
Nationwide $2,188 $2,144 $2,150
Progressive $3,524 $3,682 $4,025
State Farm $2,263 $2,385 $2,509
Travelers $3,181 $3,277 $3,282
USAA $1,616 $1,675 $1,746

What affects car insurance rates in Mishawaka, Indiana?

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

Car Theft in Mishawaka

High levels of vehicle theft can make car insurance more expensive. Mishawaka, IN car theft statistics from the FBI indicate 245 vehicle thefts a year.

Commute Time in Mishawaka

The more time you spend in your car the higher the risk of an accident. The average commute length in Mishawaka, IN is 20.3 minutes according to City-Data.

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Compare Car Insurance Quotes in Mishawaka, IN

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

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Average Monthly Car Insurance Rates by State