Finding decent, cheap auto insurance is easier said than done, and figuring out which company has the lowest-priced car insurance rates in South Bend may require even more perseverance. Every insurance company uses their own method for setting rates, so let's begin by taking a look at the lowest cost car insurance companies in South Bend.

Keep in mind that South Bend car insurance rates are calculated based on many things which can substantially change the price you pay for coverage. Improving your credit score, moving across town, or getting caught speeding can trigger changes in premium resulting in some companies being much cheaper than others.

Indiana car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $596
2 Cincinnati Insurance $658
3 USAA $667
4 Erie $733
5 Western Reserve $838
6 The Hartford $855
7 Indiana Farmers Mutual $875
8 Auto-Owners $915
9 Motorists Mutual $956
10 Nationwide $958
11 Utica National $965
12 State Farm $987
13 Safeco $1,003
14 Hastings Mutual $1,013
15 Farmers $1,033
16 Westfield $1,061
17 Wolverine Mutual $1,072
18 State Auto $1,098
19 GEICO $1,122
20 Progressive $1,128
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Travelers has some of the cheapest car insurance rates in South Bend at around $596 annually. Cincinnati Insurance, USAA, Erie, and Western Reserve also rank well as some of the cheaper South Bend, IN car insurance companies.

As the rates illustrate above, if you are a customer of Erie and switched to Cincinnati Insurance, you might see a yearly price reduction of approximately $75. Drivers with Western Reserve might save as much as $180 a year, and The Hartford customers might cut rates by $197 a year.

To find out how much you can save, click here or quote prices from the following companies.

It's important to note that these policy rates are averaged across all insureds and vehicles and and are not figured with a specific location in South Bend. So the auto insurance company that is best for you may not even be in the top 36 companies shown above. That emphasizes why you need to get quotes using your own specific driver and vehicle information.

For drivers in South Bend, one of the largest criteria that are looked at to help calculate auto insurance rates is where you choose to live. More populated areas will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.

The following table lists the priciest cities in Indiana to buy auto insurance in. South Bend shows up at #17 with a yearly premium of $956 for the average insurance policy, which is approximately $80 monthly.

How much is auto insurance in South Bend, IN?
Rank City Average Per Year
1 Gary $1,347
2 Hammond $1,275
3 Merrillville $1,095
4 Portage $1,093
5 Indianapolis $1,082
6 Jeffersonville $1,080
7 Evansville $1,077
8 Lawrence $1,066
9 Terre Haute $1,045
10 Kokomo $1,041
11 Anderson $1,041
12 New Albany $1,039
13 Elkhart $985
14 Columbus $984
15 Greenwood $969
16 Bloomington $968
17 South Bend $956
18 Muncie $955
19 Fishers $954
20 Noblesville $948
21 Fort Wayne $947
22 Richmond $944
23 Mishawaka $936
24 Carmel $929
25 Lafayette $926
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Rates are estimated as the garaging address in South Bend can change price quotes greatly.

The type of vehicle to be insured is one of the primary factors when looking for economical insurance in South Bend. Vehicles with economical engines, excellent safety ratings, or a positive history of liability claims will cost quite a bit less to insure than higher performance models.

The next table presents car insurance rates for a handful of the most budget-friendly automobiles to insure in Indiana.

Cheapest Vehicles to Insure in South Bend, IN
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $730
Honda CR-V EX 2WD $735
Ford Escape Limited 2WD $746
Toyota Prius $807
Toyota Camry LE $861
Jeep Grand Cherokee Laredo 2WD $867
Volkswagen Jetta S 4-Dr Sedan $861
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $878
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $890
Ford Focus SEL 4-Dr Sedan $899
Ford F-150 XL Super Cab 4WD $892
Honda Odyssey EX-L $907
Chevrolet Impala LTZ $916
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Estimates do not factor in specific location which can change price quotes greatly.

Looking at the data, you can figure that vehicles like the Hyundai Elantra, Honda CR-V, Ford Escape, and Toyota Prius are going to be a few of the more affordable vehicles to insure for drivers in South Bend.

The chart below shows how choosing a deductible can raise or lower insurance costs when quoting cheap insurance in South Bend. Data assumes a married male driver, comp and collision included, and no other discounts are factored in.

The data above shows that a 50-year-old driver could pocket $198 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $296 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could possibly save as much as $652 or more just by choosing larger deductibles.

When insureds make the decision to increase the deductibles on their policy, it will be important to have spare funds to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Impact of speeding/accidents on South Bend car insurance rates

In a perfect world, the best way to score affordable car insurance rates in South Bend for drivers in South Bend is to drive cautiously and avoid tickets and accidents. The diagram below illustrates how violations and at-fault fender-benders impact car insurance rates for different ages of insureds. The premiums assume a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.

In the prior example, the average cost of an auto insurance policy in South Bend per year with a clean driving record and no accidents is $1,686. Add in two speeding tickets and the average cost swells to $2,253, an increase of $567 each year. Now add in one accident along with the two speeding tickets and the annual cost of car insurance in South Bend goes up to an average of $2,835. That's an increase of $1,149, or $96 per month, just for not driving responsibly!

Discounts on South Bend auto insurance rates

Insurers that offer quotes in South Bend could also offer rate discounts that could reduce prices by as much as 30% if you meet certain criteria. A list of car insurance companies and their possible discounts can be found below.

The example below compares insurance costs with and without discounts applied to the rates. The costs are based on a male driver, no accidents or driving violations, Indiana state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, vehicle safety, defensive driving course, accident-free, anti-theft, and claim-free discounts applied. When discounts are applied, theamount saved on car insurance in South Bend is 28% or $407.

How to find economical auto insurance in South Bend

The list below details some of the recommended penny-pinching suggestions that can help South Bend drivers get low-cost coverage.

The last idea is remarkably significant, as was discussed in this write-up. Rates fluctuate constantly, so don't be afraid to buy a policy from a new company if a cheaper price is available. Many drivers prefer to stick with one company, but it isn't a good idea if that faithfulness ends up costing you a wad of cash every year. Now is a great time to compare rates and find cheaper insurance in South Bend.