Cheapest Car Insurance Quotes in South Bend

Finding the cheapest car insurance quotes in South Bend shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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South Bend Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in South Bend

The car insurance rate in South Bend is $824 for a six-month policy, which is $75 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $320, making it a popular choice for budget-conscious drivers. Rates in South Bend can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in South Bend

$824

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in South Bend

1st place: American Family

At $320 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $444 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $451 for six months, making it the third cheapest auto insurance company in South Bend.

South Bend Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Bend, IN is American Family, offering policies at just $320 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $444.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1673 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Bend drivers find the best deals.

Cheap Car Insurance Companies in South Bend, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$320	$54
Auto-Owners Insurance Co	$444	$76
Westfield	$451	$75
Nationwide	$562	$95
Hastings Mutual	$627	$106
USAA	$640	$108
Hastings Insurance	$706	$118
Progressive	$745	$125
Travelers	$745	$125
Auto-Owners	$843	$142
Farm Bureau	$1078	$179
State Farm	$1196	$201
Allstate	$1509	$254
Farmers	$1673	$285

Key Takeaways

Way's key takeaways about car insurance in South Bend

The auto insurance costs in South Bend fall around $320 for six months.
The cheapest auto insurance company in South Bend is Westfield.
Teen drivers pay the highest rate in South Bend at $726 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in South Bend

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in South Bend are given below.

Westfield provides the cheapest minimum car insurance coverage in South Bend. Their Average 6 Month Premium is $138. Farmers is the most expensive at $601 for the same period.

Cheapest Liability Coverage in South Bend, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$138	$23
American Family	$176	$30
Auto-Owners Insurance Co	$183	$31
USAA	$183	$31
Hastings Mutual	$196	$33
Indiana Farmers	$202	$34
Progressive	$235	$40
Auto-Owners	$242	$41
Grange	$242	$41
Travelers	$255	$43
SafeAuto	$268	$45
Farm Bureau	$327	$56
State Farm	$327	$55
Allstate	$569	$96
Farmers	$601	$100

Cheapest Full Coverage Car Insurance in South Bend

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in South Bend is American Family at $54 per month and $320 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Bend, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$320	$54
Auto-Owners Insurance Co	$444	$76
Westfield	$451	$75
Nationwide	$562	$95
Hastings Mutual	$627	$106
USAA	$640	$108
Hastings Insurance	$706	$118
Progressive	$745	$125
Travelers	$745	$125
Auto-Owners	$843	$142
Farm Bureau	$1078	$179
State Farm	$1196	$201
Allstate	$1509	$254
Farmers	$1673	$285

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Average Car Insurance in South Bend by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in South Bend, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in South Bend, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, South Bend's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in South Bend

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$422
40s	USAA	$396
50s	USAA	$375
60s	USAA	$391
70s	Buckeye Insurance Group	$417

Cheapest Car Insurance Rates for Teen Drivers in South Bend,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the South Bend at $28 per month. At $4267 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$164	$28
American Family	$183	$31
Auto-Owners Insurance Co	$235	$40
Grange	$255	$43
USAA	$718	$121
Travelers	$927	$156
Progressive	$1007	$169
Auto-Owners	$2470	$420
Allstate	$3221	$537
State Farm	$3411	$580
Farm Bureau	$3796	$633
Farmers	$4267	$726

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in South Bend.

As young drivers face the highest rates in South Bend, USAA offers the cheapest auto insurance rates at $422 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in South Bend, Westfield is the cheapest car insurance provider. At $262 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in South Bend is State Farm, offering rates of around $4887 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$262	$44
American Family	$274	$46
Nationwide	$307	$52
Grange	$327	$55
Progressive	$836	$141
Travelers	$843	$142
USAA	$980	$167
Allstate	$1307	$220
Farm Bureau	$2209	$375
Auto-Owners	$2731	$455
Farmers	$2731	$464
State Farm	$4887	$815

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Save up to $971/yr on car insurance rates in South Bend.

Car Insurance Rates with An Accident in South Bend

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In South Bend, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Bend

The cheapest car insurance companies after an at-fault accident in South Bend include American Family and AutoOwners Insurance Co, offering $222 and $255, respectively. Allstate is an expensive provider with an average six-month premium of $2698.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$222	$37
Auto-Owners Insurance Co	$255	$43
Indiana Farmers	$262	$44
Grange	$287	$48
USAA	$503	$85
Travelers	$582	$98
Auto-Owners	$607	$102
Progressive	$620	$105
State Farm	$849	$143
Farmers	$1333	$224
Farm Bureau	$1601	$267
Allstate	$2698	$459

South Bend Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Bend IN. For example, the car insurance in South Bend after a DUI increases to $829 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

South Bend auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$902	$151
One Med/PIP claim	$902	$153
Not-at-fault accident	$954	$160
Two Med/PIP claims	$967	$164
One comp claim	$974	$163
Failure to show documents	$1020	$174
Failure to wear a seat belt	$1026	$171
Two comp claims	$1033	$176
Child safety restraint	$1045	$174
Driving without lights	$1045	$178
Driving with expired registration	$1085	$180
Speeding 6 - 10 MPH over limit	$1104	$188
Driving too slowly	$1111	$185
Failure to yield	$1111	$189
Following too closely	$1111	$185
Illegal turn	$1111	$189
Speeding in school zone	$1111	$185
Cell phone violation	$1118	$190
Speeding 11 - 15 MPH over limit	$1118	$186
Texting while driving	$1118	$190
Wrong way/wrong lane	$1118	$186
Failure to stop at a red light	$1124	$191
Improper passing	$1131	$188
Speeding 16 - 20 MPH over limit	$1131	$193
At-fault accident - less than $1000	$1144	$190
Passing school bus	$1163	$198
Speeding 21 - 25 MPH over limit	$1222	$204
At-fault accident - $1000-$2000	$1261	$215
In 65 MPH zone	$1280	$213
At-fault accident - greater than $2000	$1287	$219
Operating a vehicle without permission	$1378	$230
Open container	$1392	$237
Racing	$1692	$282
Reckless driving	$1698	$289
Refusal to submit to a chemical test	$1718	$286
DUI	$1731	$295
Leaving scene of an accident/hit and run	$1764	$294
Driving with a suspended license	$1778	$303

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in South Bend after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in South Bend.

The cheapest car insurance premiums in South Bend are offered by American Family at $222 for a six-month policy. However, it can be as expensive as $2999 with companies like Farmers.

South Bend car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$222	$37
Grange	$405	$69
Travelers	$614	$103
Progressive	$620	$105
USAA	$758	$128
Farm Bureau	$1261	$212
State Farm	$1274	$215
Allstate	$1392	$234
Auto-Owners	$1921	$323
Hastings Mutual	$2065	$351
Farmers	$2999	$499

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in South Bend are offered by Westfield at $169. However, it can be as expensive as $2104 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in South Bend after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$29
American Family	$222	$37
Auto-Owners Insurance Co	$235	$40
Travelers	$660	$111
Progressive	$673	$113
USAA	$673	$112
State Farm	$718	$121
Auto-Owners	$974	$163
Farm Bureau	$1294	$220
Farmers	$2078	$347
Allstate	$2104	$358

Car Insurance Price Trends in South Bend, Indiana

Car insurance rates in South Bend have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the South Bend rose by $172 in January compared to $147 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the South Bend rose to $45 in January, compared to $43 in December. This represents an increase of $2 when comparing January and December.

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Average Car Insurance Cost in South Bend by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the South Bend. At $856 for a six-month policy, insuring your car at 46635 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
46635	$856	$144
46613	$881	$148
46614	$996	$167
46601	$848	$142
46619	$939	$158
46617	$873	$146
46628	$963	$162
46637	$906	$152
46615	$898	$151
46616	$848	$142

Frequently Asked Questions

How much is car insurance in South Bend?

The car insurance in South Bend is $23 per month, which is lower than the national average.

What is the cheapest car insurance in South Bend?

The cheapest car insurance in South Bend is $54 per month for full coverage.

How much is car insurance in South Bend for teenagers?

Car insurance for teenagers costs $164 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in South Bend?

The average cost of car insurance is $749 for a six-month policy. It will cost around $139 per month to insure your car in South Bend.

Is car insurance expensive in South Bend?

Car insurance can be expensive in South Bend if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in South Bend can be affordable.

Cheapest Car Insurance Quotes in South Bend

Why you can trust Way?

How Much Is Car Insurance in South Bend

Avg. Car Insurance in South Bend

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in South Bend

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

South Bend Car Insurance Rates by Company

Cheap Car Insurance Companies in South Bend, IN

Way's key takeaways about car insurance in South Bend

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Bend

Cheapest Liability Coverage in South Bend, IN

Cheapest Full Coverage Car Insurance in South Bend

Cheapest Full Coverage Car Insurance Quotes in South Bend, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Bend by Rating Factor

I have a clean driving record. Why is my car insurance rate here in South Bend, IN increasing?

Car Insurance Premiums by Age in South Bend

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Bend,IN

If you are in your twenties USAA is the best choice for car insurance in South Bend.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in South Bend

Cheapest Car Insurance Companies after an At-Fault Accident in South Bend

South Bend Car Insurance Rates by Violation

South Bend auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Bend after a DUI

South Bend car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Bend after Speeding ticket

Car Insurance Price Trends in South Bend, Indiana

Average Car Insurance Cost in South Bend by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Bend, IN

Car Insurance Rates by State in the USA (2025 Update)

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