South Bend Car Insurance

The Zebra
May 30, 2018

Car Insurance in South Bend

Premiums in South Bend are relatively equivalent to state rates, as its premiums are within $29 of Indiana's average. Why don't we take a look at how to save on car insurance in South Bend?

  • City Average: $1,104
  • State Average: $1,133
  • National Average: $1,427

South Bend Car Insurance by Age

At $956, drivers in their 50s have the smallest premiums among any age group. Those in their 60s ($974) have premiums that aren't much higher. Car insurance premiums are highest for teenage drivers, with average rates of $3,754 per year. South Bend drivers see the biggest decline in premiums when they reach their 20s, as they save an average of 59% from moving out of the teenage age range. In South Bend, turning 60 means an increase in premiums. Up until then, progressing from one age group to the next means decreasing prices.

  • Teenagers: $3,754
  • 20s: $1,525
  • 30s: $1,088
  • 40s: $1,030
  • 50s: $956
  • 60s: $974
  • 70s: $1,153

South Bend Car Insurance by Gender and Marital Status

Quite a few driver attributes, including marital status and gender, play a part in car insurance premiums in South Bend. Premiums for men and women tend to vary by a mere 1%, with men paying less. Rates for those who are widowed are a hair cheaper than rates for those who are single, while rates for divorced individuals are more expensive. While being married (as opposed to single) doesn't significantly affect your premiums, it does save you a small amount on car insurance.

  • Female: $1,117
  • Male: $1,104
  • Single: $1,104
  • Married: $1,098
  • Divorced: $1,110
  • Widowed: $1,087

South Bend Car Insurance by Credit Rating

Improving your credit can save you a good amount of money. Those in the bottom credit tier (300-579) pay an average of almost twice as much for car insurance than those in the top credit tier (800-850). Moving from Very Poor (300-579) to Fair (580-669) hands over the most notable drop in premiums to drivers, as they save nearly $215 per year.

  • Very Poor: $1,859
  • Fair: $1,594
  • Good: $1,359
  • Very Good: $1,144
  • Exceptional: $1,004

South Bend Car Insurance by Accident or Violation History

Having a clean driving record is important if you want to keep your rates minimal. When comparing premiums for drivers with at-fault accidents in South Bend, those with damages exceeding $2,000 pay $49 more than those with damages less than $1,000. Do you want to increase your insurance rates by a striking 21%? If not, be aware of your speedometer because getting pulled over for speeding by 16-20mph in South Bend will trigger that rise.

  • DUI: $1,688
  • Reckless Driving: $1,613
  • At-fault Accident (damages less than $1000): $1,571
  • At-fault Accident (damages greater than $2000): $1,620
  • Speeding Ticket (16-20 mph over speed limit): $1,339

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