Best Cheap Auto Insurance in Elkhart, IN (2021)

The average Elkhart, IN auto insurance rates are $263 per month. The minimum auto insurance in Elkhart is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Elkhart, Indiana, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Elkhart, Indiana is 25/50/25
  • The average commute length in Elkhart is 18.7 minutes
  • Average auto insurance rates in Elkhart, IN for senior drivers are $1,641 per year

Elkhart, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in Elkhart can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Elkhart, Indiana, including driving record, credit, commute time, and more.

Compare auto insurance in Elkhart to other Indiana cities, including Indianapolis auto insurance rates, Evansville auto insurance rates, and Bloomington auto insurance rates to see how Elkhart, Indiana auto insurance rates stack up.

Before you buy Elkhart, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Elkhart, Indiana auto insurance quotes.

Minimum Auto Insurance in Elkhart, Indiana

Elkhart, Indiana auto insurance laws require that you have at least the Indiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Elkhart, Indiana.

Minimum Required Auto 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

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Cheap Elkhart, Indiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Elkhart, Indiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Elkhart, Indiana Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Elkhart, Indiana is a challenge. Take a look at the annual teen auto insurance rates in Elkhart, Indiana.

Annual Auto 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

Cheap Elkhart, Indiana Auto Insurance for Seniors

What are senior auto insurance rates in Elkhart, Indiana? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Elkhart, Indiana Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Elkhart, Indiana compared to the annual auto insurance rates with a clean record in Elkhart, Indiana.

Annual Elkhart, Indiana Auto 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

Cheap Elkhart, Indiana Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Elkhart, Indiana is not easy. Compare the annual rates for DUI auto insurance in Elkhart, Indiana to find the best deal.

Annual Auto Insurance Rates After a DUI in Elkhart, Indiana

Insurance Company Annual Auto 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

Cheap Elkhart, Indiana Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Elkhart, Indiana annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Elkhart, Indiana Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Elkhart, Indiana can vary. Compare the annual cost of auto insurance by ZIP code in Elkhart, Indiana to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Elkhart, Indiana

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

Cheap Elkhart, Indiana Auto Insurance Rates By Commute

Commute length and annual mileage affect Elkhart, Indiana auto insurance. Find the cheapest annual Elkhart, Indiana auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Elkhart, Indiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Elkhart, Indiana Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Elkhart, Indiana? Check out the comparison of annual Elkhart, Indiana auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Elkhart, Indiana

Compare the cheapest auto insurance companies in Elkhart, Indiana in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Elkhart, Indiana Auto Insurance Companies

What auto insurance companies in Elkhart, Indiana are the cheapest? Compare the top Elkhart, Indiana auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Elkhart, Indiana?

There are a lot of reasons why auto insurance rates in Elkhart, Indiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Elkhart, Indiana. Many local factors may affect your Elkhart auto insurance rates.

Elkhart Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Elkhart, Indiana auto theft statistics, there have been 278 auto thefts in the city.

Elkhart Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elkhart, Indiana commute length is 18.7 minutes according to City-Data.

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Compare Elkhart, Indiana Auto Insurance Quotes

Before you buy Elkhart, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Elkhart, Indiana auto insurance quotes.

Free Auto Insurance Comparison

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

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