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 AUTO INSURANCE RATES
South Bend Average (annual)Indiana AverageU.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.

 
SOUTH BEND CAR INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage 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.

 
SOUTH BEND AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage 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.

 
SOUTH BEND AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage 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.

 
SOUTH BEND CAR INSURANCE RATES AFTER A COLLISION OR CITATION
IncidentAverage 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.

 
SOUTH BEND CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage 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 LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.