South Bend, IN Car Insurance

Learn more about how to find affordable insurance in South Bend.

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How much does auto insurance cost in South Bend?


Auto insurance costs an average of $1,124 per year in South Bend. That's cheaper than the average in Indiana ($1,165) and less expensive than the national average of $1,548. Our guide to South Bend car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

South Bend Average (annual) Indiana Average U.S. Average
$1,124 $1,165 $1,548
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South Bend car insurance premiums by insurer


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In South Bend, Erie offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in South Bend below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

Insurance Company Average Annual Rate
Erie $722
State Farm $935
AAA $991
Indiana Farm Bureau $1,112
Progressive $1,132

Consult our expert guide to finding the best cheap car insurance.


South Bend auto insurance premiums by age

South Bend drivers in their 50s pay relatively affordable car insurance rates just $967 each year, on average. Drivers in their 60s pay marginally higher rates — $1,005 per year.

The South Bend drivers who face the priciest insurance rates are teenagers. When drivers hit their 20s in South Bend and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in South Bend is $2,356. That's the biggest gap in premiums between any pair of age brackets.

Age bracket Average Yearly Rate
Teens $3,931
20s $1,574
30s $1,098
40s $1,032
50s $967
60s $1,005
70s $1,243

Learn more about the impact of age on car insurance premiums.


South Bend auto insurance costs by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In South Bend, married motorists pay $54 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in South Bend, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In South Bend, the gap in car insurance costs between genders is $27 per year, with male drivers paying more than female drivers.

Gender/Marital Status Average Annual Rate
Female $1,097
Male $1,124
Single $1,070
Married $1,070
Divorced $1,124
Widowed $1,123

Learn more about how gender and marital status have on insurance rates.


South Bend car insurance costs by driving history


If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

South Bend drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $534 per year versus the city average. A ticket for speeding results in a $313 rate hike, on average, while a DUI violation costs $474 per year in insurance premiums.

Incident Average Annual Rate
DUI/DWI $1,598
Reckless Driving $1,658
At-fault Accident (damages less than $1,000) $1,501
At-fault Accident (damages greater than $2,000) $1,608
Speeding Ticket (16-20 mph over speed limit) $1,437

Learn more about the impact of driving violations on car insurance rates.


South Bend auto insurance rates by credit level


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, South Bend drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 60% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In South Bend, improving your credit to "Fair" could help you earn a $929 decrease in yearly insurance premiums.

Credit Level Average Rate (annual)
Very Poor $2,305
Fair $1,375
Good $1,124
Very Good $1,021
Exceptional $927

Get additional information on how credit impacts car insurance costs.


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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.