Best Cheap Auto Insurance in Mishawaka, IN (2021)

The average Mishawaka, IN auto insurance rates are $264 per month. The minimum auto insurance in Mishawaka is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Mishawaka, Indiana, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Mishawaka for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Mishawaka is USAA
  • The average commute length in Mishawaka is 20.3 minutes

Mishawaka, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in Mishawaka 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 Mishawaka, Indiana, including driving record, credit, commute time, and more.

Compare auto insurance in Mishawaka to other Indiana cities, including South Bend auto insurance rates, Indianapolis auto insurance rates, and Gary auto insurance rates to see how Mishawaka, Indiana auto insurance rates stack up.

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

Minimum Auto Insurance in Mishawaka, Indiana

Mishawaka, 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 Mishawaka, Indiana.

Minimum Required Auto 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

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

Auto insurance rates in Mishawaka, 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 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

Cheap Mishawaka, Indiana Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Mishawaka, Indiana Auto Insurance for Seniors

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

Annual Auto 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

Cheap Mishawaka, 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 Mishawaka, Indiana compared to the annual auto insurance rates with a clean record in Mishawaka, Indiana.

Annual Mishawaka, Indiana Auto 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

Cheap Mishawaka, Indiana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Mishawaka, Indiana

Insurance Company Annual Auto 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

Cheap Mishawaka, Indiana Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Mishawaka, Indiana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Mishawaka, Indiana

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

Cheap Mishawaka, Indiana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Mishawaka, Indiana

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

Cheap Mishawaka, Indiana Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Mishawaka, Indiana

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

Best Annual Auto 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

The Cheapest Mishawaka, Indiana Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Mishawaka, Indiana?

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

Mishawaka Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Mishawaka, Indiana auto theft statistics, there have been 245 auto thefts in the city.

Mishawaka Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Mishawaka, Indiana commute length is 20.3 minutes according to City-Data.

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Compare Mishawaka, Indiana Auto Insurance Quotes

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