Best Cheap Auto Insurance in South Bend, IN (2021)

The average South Bend, IN auto insurance rates are $272 per month. The minimum auto insurance in South Bend is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in South Bend, Indiana, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in South Bend for teen drivers is Liberty Mutual
  • Average auto insurance rates in South Bend, IN for senior drivers are $1,695 per year
  • The average commute length in South Bend is 20.1 minutes

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

Compare auto insurance in South Bend to other Indiana cities, including Fort Wayne auto insurance rates, Evansville auto insurance rates, and South Bend auto insurance rates to see how South Bend, Indiana auto insurance rates stack up.

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

Minimum Auto Insurance in South Bend, Indiana

South Bend, 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 South Bend, Indiana.

Minimum Required Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap South Bend, Indiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in South Bend, 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 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

Cheap South Bend, Indiana Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap South Bend, Indiana Auto Insurance for Seniors

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

Annual Auto 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

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

Annual South Bend, Indiana Auto 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

Cheap South Bend, Indiana Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto 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

Cheap South Bend, Indiana Auto Insurance By Credit History

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

Annual Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap South Bend, Indiana Auto Insurance Rates By ZIP Code

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

Annual Auto 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

Cheap South Bend, Indiana Auto Insurance Rates By Commute

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

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

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

Cheap South Bend, Indiana Auto Insurance Rates By Coverage Level

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

Annual Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in South Bend, Indiana

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

Best Annual Auto 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

The Cheapest South Bend, Indiana Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in South Bend, Indiana?

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

South Bend Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual South Bend, Indiana auto theft statistics, there have been 480 auto thefts in the city.

South Bend Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average South Bend, Indiana commute length is 20.1 minutes according to City-Data.

South Bend Traffic

How does South Bend, Indiana rank for traffic? According to Inrix South Bend, Indiana is the 822nd most congested worldwide.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare South Bend, Indiana Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption