Compare South Bend, IN Car Insurance Rates (2021)

Car insurance in South Bend, IN averages $272 a month. South Bend, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap South Bend car insurance rates, compare quotes from the top car insurance companies in South Bend, 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 South Bend for teen drivers is USAA
  • Average car insurance rates in South Bend, IN after a DUI are $3,881/year
  • The cheapest ZIP code in South Bend is 46614

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

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

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

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

How do age, gender, and marital status affect South Bend, IN car insurance rates? Every South Bend, 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 South Bend, 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 $2,321 $2,374 $2,045 $2,235 $7,180 $9,059 $2,346 $2,550
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 $1,484 $1,515 $1,305 $1,391 $4,269 $5,535 $1,736 $1,897
Progressive $1,631 $1,540 $1,482 $1,489 $9,735 $10,956 $2,048 $2,088
State Farm $1,532 $1,532 $1,375 $1,375 $4,796 $6,129 $1,701 $1,897
Travelers $1,240 $1,261 $1,165 $1,164 $7,783 $12,330 $1,313 $1,514
USAA $1,123 $1,105 $1,048 $1,053 $3,160 $3,524 $1,518 $1,620

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Minimum Car Insurance in South Bend, IN

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

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

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

Annual Car Insurance Rates by Credit Score in South Bend, Indiana

Insurance Company Poor Fair Good
Allstate $4,659 $3,475 $3,158
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 $2,719 $2,300 $2,156
Progressive $4,261 $3,782 $3,570
State Farm $3,705 $2,209 $1,712
Travelers $3,864 $3,275 $3,274
USAA $2,378 $1,576 $1,353

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

Annual South Bend, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,002 $4,411 $4,070 $3,572
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 $2,061 $2,648 $2,540 $2,317
Progressive $2,895 $5,103 $3,456 $4,030
State Farm $2,480 $2,730 $2,480 $2,480
Travelers $2,948 $3,644 $4,129 $3,163
USAA $1,334 $1,904 $2,184 $1,654

Cheapest South Bend, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in South Bend, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,180 $9,059
American Family $6,352 $9,181
Farmers $7,875 $8,408
GEICO $4,732 $4,409
Liberty Mutual $8,348 $12,592
Nationwide $4,269 $5,535
Progressive $9,735 $10,956
State Farm $4,796 $6,129
Travelers $7,783 $12,330
USAA $3,160 $3,524

Cheapest South Bend, IN Car Insurance for Seniors

Take a look at South Bend, 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 South Bend, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,045 $2,235
American Family $2,057 $2,057
Farmers $1,234 $1,389
GEICO $1,474 $1,527
Liberty Mutual $3,520 $3,520
Nationwide $1,305 $1,391
Progressive $1,482 $1,489
State Farm $1,375 $1,375
Travelers $1,165 $1,164
USAA $1,048 $1,053

Cheapest South Bend, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in South Bend, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,070
American Family $5,097
Farmers $3,460
GEICO $3,294
Liberty Mutual $8,100
Nationwide $2,540
Progressive $3,456
State Farm $2,480
Travelers $4,129
USAA $2,184

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Cheapest South Bend, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in South Bend, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,764 $3,764
American Family $3,619 $3,708
Farmers $3,218 $3,218
GEICO $2,298 $2,376
Liberty Mutual $5,440 $5,736
Nationwide $2,392 $2,392
Progressive $3,871 $3,871
State Farm $2,471 $2,614
Travelers $3,471 $3,471
USAA $1,746 $1,792

Cheapest South Bend, IN Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in South Bend, Indiana

ZIP Code Average Annual Rates
46601 $3,171
46613 $3,162
46614 $3,119
46615 $3,214
46616 $3,203
46617 $3,199
46619 $3,166
46628 $3,193
46635 $3,179
46637 $3,187

The Best Cheap Car Insurance Companies in South Bend, IN

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

Average Annual Car Insurance Rates by Company in South Bend, Indiana

Insurance Company Average Annual Rates
Allstate $3,764
American Family $3,663
Farmers $3,218
GEICO $2,337
Liberty Mutual $5,588
Nationwide $2,392
Progressive $3,871
State Farm $2,542
Travelers $3,471
USAA $1,769

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Category Winners: Cheapest Car Insurance in South Bend, Indiana

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

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

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

Annual Car Insurance Rates by Coverage Level in South Bend, Indiana

Insurance Company Low Medium High
Allstate $3,583 $3,747 $3,961
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 $2,421 $2,373 $2,381
Progressive $3,649 $3,808 $4,156
State Farm $2,416 $2,542 $2,669
Travelers $3,395 $3,504 $3,514
USAA $1,702 $1,764 $1,841

What affects car insurance rates in South Bend, Indiana?

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

Car Theft in South Bend

High levels of vehicle theft can make car insurance more expensive. South Bend, IN car theft statistics from the FBI indicate 480 vehicle thefts a year.

Commute Time in South Bend

The more time you spend in your car the higher the risk of an accident. The average commute length in South Bend, IN is 20.1 minutes according to City-Data.

Traffic in South Bend

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. South Bend, IN traffic data from INRIX ranks South Bend as the 822nd-most congested in the world.

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Compare Car Insurance Quotes in South Bend, IN

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

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Average Monthly Car Insurance Rates by State