Elkhart Auto Insurance Rates, Quotes, Agents & Reviews in IN

Elkhart, IN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Elkhart, IN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Tips to Avail the Best Car Insurance in Elkhart, IN

Car insurance is a legal requirement in Elkhart, IN, which means that if you own and operate a vehicle in the state, you must have a policy that provides the minimum level of coverage required by law. Failure to do so can result in serious penalties, including fines and the suspension of your driver's license. There are several reasons you need car insurance, not least of which is to protect yourself financially in an accident. If you cause an accident, your insurance will pay for the damage you cause to other people and their property up to your policy's limit. If you are involved in an accident that is not your fault, your insurance will also cover your own damages, again up to your policy's limit.

The average cost of auto insurance in Elkhart, IN, is $1,118. Depending on various criteria, car insurance rates can differ from one insurer to another. Age, gender, marital status, driving history, credit history, claims history, DUI reports, and many other things are all included. Car owners in Elkhart, IN, looking for good auto insurance must fully understand these factors' roles. Zimlon has analyzed the factors contributing to the increase in vehicle insurance premiums in Elkhart, IN. Compare these variables to get the best offer and discounts on vehicle insurance in Elkhart, IN.

Credit History

Credit history is one of the most important factors in determining car insurance costs. In Elkhart, Indiana, insurers use credit-based insurance scores to help set rates. This means that your credit history can directly impact how much you pay for car insurance. A good credit history can lead to lower insurance rates. This is because insurers view people with good credit as less risky. They are less likely to file a claim and more likely to pay their bills on time. On the other hand, people with poor credit are seen as a higher risk. They are more likely to file a claim and may have difficulty paying their bills on time. As a result, they will pay more for their car insurance. For instance, in Elkhart, Indiana, car owners with excellent credit score ratings (740–799) must pay $1,095, while those with poor credit scores must pay $1,824.

Age of the Driver

As anyone who’s ever shopped for car insurance knows, rates can vary widely based on factors like the make and model of your vehicle, your driving record, and where you live. But one factor that is often overlooked is your age. Younger drivers, for example, are more likely to be involved in accidents than older drivers. They’re also more likely to make claims for theft or vandalism. As a result, insurance companies tend to charge younger drivers more for coverage. For instance, Teenage drivers in Elkhart, Indiana, spend $3,628 for car insurance, compared to older drivers who are 40 years old and pay $1,065. As a young driver, there are a few strategies to lower auto insurance costs.

Driving Habits

One of the biggest factors determining your car insurance rates is your driving record. If you have a clean driving record, you will likely pay less for car insurance than someone involved in accidents or who received traffic tickets. Insurance companies use your driving record to assess your risk of getting into an accident. If you have a history of accidents or traffic violations, you will be seen as a high-risk driver and pay more for car insurance. If you want to save money on your car insurance, keeping your driving record clean is important. Drive safely and obey all traffic laws. If you are involved in an accident, be sure to contact your insurance company right away. For instance, driving through a red light or while your license is suspended can raise your Elkhart, Indiana, vehicle insurance rates by +$260 and +$754, respectively.

Factors that can influence the cost of car insurance in Elkhart, IN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Elkhart, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Elkhart, IN with that of other cities in and around Elkhart.

Elkhart Osceola Baugo Osolo Cleveland Simonton Lake
Average Insurance Rates $1,118 $1,286 $1,196 $1,181 $1,189 $1,210

Elkhart, IN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Elkhart, IN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Elkhart $1,919 $1,621
Osolo $1,999 $1,689
Concord $1,481 $1,251
Cleveland $2,818 $2,380
Simonton Lake $1,662 $1,404
Dunlap $1,092 $922
Baugo $1,092 $922
Osceola $1,276 $1,078

Elkhart, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Elkhart, IN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,628
20 Years $1,436
30 Years $1,106
40 Years $1,065
50 Years $986
60 Years $1,000
70 Years $1,163

Elkhart, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Elkhart, IN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,968 $268
3 Vehicles $2,952 $402
4 Vehicles $3,935 $537

Savings on 2 Vehicles bundle:$268

Savings on 3 Vehicles bundle:$402

Savings on 4 Vehicles bundle:$537

Elkhart, IN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Elkhart, IN.

Location Average Insurance Cost Post DUI Insurance Rate
Elkhart $1,118 $1,730
Osolo $1,181 $1,827
Concord $1,281 $1,982
Cleveland $1,189 $1,840
Simonton Lake $1,210 $1,872
Dunlap $1,197 $1,852
Baugo $1,196 $1,851
Osceola $1,286 $1,990

Elkhart, IN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $959
Excellent (740-799) $1,095
Good (670-739) $1,165
Average (580-669) $1,520
Poor (300-579) $1,824

Elkhart, IN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Hoffman Insurance Group Erie 6005 N Fir Road, Granger, 46530 None
Brewton Insurance None 21797 Omega Ct , Goshen, 46528 (574) 584-2068
Janet K. Ballowe Allstate 23585 US Highway 33, Elkhart, 46517 (574) 875-4540
Daniel S. Harrell Allstate 51565 Bittersweet Rd Ste D, Granger, 46530 (574) 272-4354
Bruce Outlaw State Farm 2408 S Nappanee St, Elkhart, 46517-1350 574-522-3401
Fawne Atkinson State Farm 23241 Old Us 20, Elkhart, 46516-9772 574-294-4906
Perry Uselman & Associates Llc Travelers 1301 JOHNSTON ST, ELKHART, 46514 574-264-7634
Holmes Insurance Agency Inc Erie 311 W Hively Ave, Elkhart, 46517 None
Sharleen A Miller Allstate 114 E Clinton St, Goshen, 46528 (574) 533-1700
1st Source Insurance, Inc. - Goshen None 101 S. Main, Goshen, 46526 None
Tcu Agency, Llc None 201 County Road 6, Elkhart, 46514 None

Elkhart, IN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$49 $1,167
Driver's Failure In Showing Documents +$108 $1,226
Driving With An Expired Registration +$115 $1,233
Driving At A Considerably Slow Pace +$243 $1,361
Using A Cellphone While Driving +$256 $1,374
Running A Red Light +$260 $1,378
Speeding +$274 $1,392
Driving A Vehicle Without The Required Permission +$348 $1,466
Driving With An Expired/Suspended License +$754 $1,872

Elkhart, IN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,073
Active Disabling Device $1,073
Tracking Device $1,051
Passive Disabling Device $1,040

Latest Auto Insurance Reviews in Elkhart, IN | Back to Top

State Farm
I don't know if they are any better than others. i honestly did not shop my car insurance as I'm fairly happy with them overall. No complaints and certainly no issues...yet.
I have always found Geico to also be very satisfactory in regards to how they deal with my car insurance as well. I found that they are very intelligent and helpful.
Liberty Mutual
I would recommend it for the prices and great customer service experience.
Farmer's Insurance
they seemed to have very comparable policies to other companies I've used or have considered using. They have very customizable options for the policies as well which I loved.
Liberty Mutual
It has excellent payment premiums for each of its clients, in addition to offering a great service that adapts to the needs of one of its clients.
Liberty Mutual
It has excellent payment premiums for each of its clients, in addition to offering a great service that adapts to the needs of one of its clients.
Progressive has much the same policy offerings as other companies: Comprehensive, collision, personal injury, rental, etc. The levels they cover you at are also in line with other companies. I'd say this is all a good thing as you understand what your getting and it's standard for a reason: it's what is required.
American National Property And Casualty Company
Im very impressed with my companies accessibility. I have the app on my phone and it is very easy to find my way around the app and get the answers I'm looking for. Whenever I call them I am connected to a real person and not an automated voice.
State Auto
I dislike that the rate has risen to what I moved away from Allstate. The rate went up nearly $30 a month for someone with no accidents or tickets.