Buy Cheap South Bend, IN Auto Insurance (2022)

South Bend, IN auto insurance rates average $272 a month. Minimum auto insurance requirements in South Bend, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in South Bend, IN, compare South Bend auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in South Bend after a DUI is Liberty Mutual
  • Average auto insurance rates in South Bend, IN after a DUI are $3,881/year
  • Average auto insurance rates in South Bend, IN are $272/month

Finding affordable South Bend, Indiana auto insurance can be challenging, but everything you need to know to buy cheap South Bend, IN auto insurance with confidence is right here. Auto insurance rates in South Bend are affected by local factors as well as personal ones like your driving record.

See how South Bend, IN car insurance rates compare to Evansville auto insurance rates, Gary auto insurance rates, and Fort Wayne auto insurance rates before you read more about the cost of auto insurance in South Bend.

Don’t buy South Bend, IN auto insurance until you’ve compared rates. Get free South Bend, Indiana auto insurance quotes when you enter your ZIP code above.

South Bend, IN Minimum Auto Insurance Requirements

The required auto insurance in South Bend, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in South Bend, Indiana is outlined here.

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

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Find Cheap South Bend, IN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in South Bend, IN. Take a look at South Bend, Indiana auto insurance rates by credit history.

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

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

Do age, gender, and marital status affect South Bend, Indiana auto insurance rates? Find out how car insurance rates in South Bend, IN are impacted by demographics.

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

Buy Cheap South Bend, IN Auto Insurance for Teen Drivers

Auto insurance for teenagers in South Bend can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in South Bend, IN are listed here.

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

Buy Cheap South Bend, IN Auto Insurance for Seniors

You can save on senior auto insurance rates in South Bend, Indiana by comparing South Bend senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in South Bend, IN here.

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

Find Cheap Auto Insurance Rates in South Bend, IN by Coverage Level

The amount of coverage you choose is a big factor in the cost of South Bend, Indiana auto insurance. Compare South Bend, IN 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

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Find Cheap South Bend, IN Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in South Bend. Compare auto insurance rates in South Bend, IN by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap South Bend, IN Auto Insurance Rates by ZIP Code

Auto insurance rates in South Bend, Indiana can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in South Bend, IN to see how much where you live in South Bend affects the cost of car insurance.

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

Find Cheap South Bend, IN Auto Insurance Rates by Driving Record

Auto insurance rates in South Bend, Indiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in South Bend, IN, take a look at the average cost for various violations versus rates for a clean driving record in South Bend.

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

Find Cheap South Bend, IN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in South Bend, Indiana is higher than for a clean driving record. You can buy auto insurance after a DUI in South Bend for less when you shop around and compare rates from multiple South Bend, IN auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in South Bend, IN

Compare rates from the cheapest auto insurance companies in South Bend, IN for your needs. Take a look at how South Bend, Indiana auto insurance companies stack up for each category.

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

Find Cheap South Bend, Indiana Auto Insurance Companies

If you’re looking for the cheapest South Bend, IN auto insurance companies overall, you can compare them here. Find the best price for South Bend, Indiana car insurance by company.

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 South Bend, Indiana auto insurance rates?

Local factors affect auto insurance rates in South Bend, IN, including traffic, theft statistics, and commute length. Take a look at the things that impact South Bend auto insurance rates.

Auto Theft in South Bend

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for South Bend, IN auto theft show a total of 480 vehicle thefts annually.

Commute Times in South Bend

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in South Bend, IN is 20.1 minutes according to City-Data.

Traffic in South Bend

How is traffic in South Bend, Indiana? Inrix data shows that South Bend, IN traffic makes it the 822nd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in South Bend, IN

You can buy cheap South Bend, IN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free South Bend, Indiana auto insurance quotes from top companies.

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