South Bend Auto Insurance Rates, Quotes, Agents & Reviews in IN

South Bend, IN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in South Bend, 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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Factors that can influence the cost of car insurance in South Bend, 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.


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

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

South Bend Roseland Portage Mishawaka Notre Dame Indian Village
Average Insurance Rates $1,115 $1,478 $1,136 $1,093 $1,680 $1,188

South Bend, 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 South Bend, 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)
South Bend $1,614 $1,363
Portage $1,170 $988
Notre Dame $1,730 $1,462
Roseland $1,257 $1,061
Indian Village $1,349 $1,140
German $1,308 $1,105
St. Joseph County $1,421 $1,201
Mishawaka $1,361 $1,149

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

Teenagers in South Bend, 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 $3,618
20 Years $1,433
30 Years $1,103
40 Years $1,062
50 Years $983
60 Years $997
70 Years $1,160

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

Car owners in South Bend, 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 $1,962 $268
3 Vehicles $2,944 $401
4 Vehicles $3,925 $535

Savings on 2 Vehicles bundle:$268

Savings on 3 Vehicles bundle:$401

Savings on 4 Vehicles bundle:$535


South Bend, 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 South Bend, IN.

Location Average Insurance Cost Post DUI Insurance Rate
South Bend $1,115 $1,725
Portage $1,136 $1,758
Notre Dame $1,680 $2,599
Roseland $1,478 $2,287
Indian Village $1,188 $1,838
German $1,196 $1,851
St. Joseph County $1,177 $1,821
Mishawaka $1,093 $1,691

South Bend, 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) $957
Excellent (740-799) $1,092
Good (670-739) $1,162
Average (580-669) $1,516
Poor (300-579) $1,819

South Bend, 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
Lisa Rzepnicki State Farm 14887 State Road 23, Granger, 46530-5628 574-277-8840
Tim Grauel State Farm 24545 Brick Rd, South Bend, 46628-9717 574-232-9981
Rich Was State Farm 2030 S Bend Ave, South Bend, 46637-5638 574-277-7900
Dean Brown State Farm 51340 Bittersweet Rd, Granger, 46530-9118 574-277-2300
Dean Brown State Farm 51340 Bittersweet Rd, Granger, 46530-9118 574-277-2300
Glen Neely State Farm 19271 Darden Rd, South Bend, 46637-3967 574-272-6565
Jp Noak Casl, Clu, Flmi, Chfc State Farm 6910 North Main Street, Granger, 46530-8845 574-277-9772
1st Source Insurance Inc Liberty Mutual Independent 6909 N Grape Road, Mishawaka, 46545 None
Samuelson Insurance Agency Erie 6730 CENTRAL AVE, PORTAGE, 46368 (219) 762-3702
Renita Fleming Allstate 3310 Hickory Rd Ste B2, Mishawaka, 46545 (574) 255-4200

South Bend, 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 $1,164
Driver's Failure In Showing Documents +$108 $1,223
Driving With An Expired Registration +$115 $1,230
Driving At A Considerably Slow Pace +$242 $1,357
Using A Cellphone While Driving +$255 $1,370
Running A Red Light +$260 $1,375
Speeding +$273 $1,388
Driving A Vehicle Without The Required Permission +$347 $1,462
Driving With An Expired/Suspended License +$752 $1,867

South Bend, 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 $1,070
Active Disabling Device $1,070
Tracking Device $1,048
Passive Disabling Device $1,037

Latest Auto Insurance Reviews in South Bend, IN | Back to Top

Geico
The premium and deductible options for Geico are great, i'm able to adjust if needed, and the pricing is very good compared to other companies offering the same level of service.
Geico
The policy offerings are ridiculously good. I couldn't find anyone comparable when shopping around. For what they offer and the price you can't go wrong.
Geico
Geico offered the best possible premium when compared to other insurance agencies. They also offered great discounts that brought down my total cost down.
Allstate
This companies premium is higher then other car insurance options and unfortunately keeps rising for some reason. This may price me out of the company in the future but not yet.
State Farm
I had State Farm with auto insurance prior to utilizing them for home insurance. I was able to take my previous policy (from another company) to them for them to assist me in making the best decision.
Country Financial
The policy is very competitive to other companies that provide other offerings. They clearly spelled out what their offerings were and I am very happy with the offerings.
State Farm
I think they're a more respectable company if I need to use my insurance
State Farm
I have used state farm for my vehicle insurance for over 15 years. Dealing with their customer service has always been simple and quick.
Auto Owners Insurance
I do not remember exactly what our premium is, as I paid it for the year when we moved back to Virginia. I have good deductions and excellent added services, such as towing,etc.
Safeco Insurance
We had one auto accident where it was clearly the other driver's fault. Police even issued a citation and when we called his insurance, they said they would get back to us. Fortunately, we called our insurance also right away, and found out that the other driver's insurance is notorious for claiming they will call you back and never do. They were right.
Safeco Insurance
We had one auto accident where it was clearly the other driver's fault. Police even issued a citation and when we called his insurance, they said they would get back to us. Fortunately, we called our insurance also right away, and found out that the other driver's insurance is notorious for claiming they will call you back and never do. They were right.
Geico
I am happy with the company overall other than I wished the premiums weren't so high sometimes. But I know that is expected.
Progressive
I think my coverage and premium is less than what others would offer due to my longevity with the company and devices I have used to decrease premium
Farm Bureau
The only thing that I dislike about FB is that our rates have slowly been increasing ever since we signed up with them several years ago. I fear that our rates will continue to rise and we will have to look elsewhere again.
The Hartford
My company offers a pay by the mile option which is not common. You pay a base rate and then so much per mile
State Auto
Premium is good. Pretty low and competitive compared to other auto insurance companies. Would be nice to have something lower, but overall a good competitive rate.
Geico
I think that they were quick and easy to use. The are a Maryland based company where I live which I think helps them sets their rates better for people in the state. My previous insurer said that the State hikes is what caused our rates to go up, but I didn't see that from my new insurance company
Haulers Insurance
My insurance company offers vehicle insurance coverage at a lower premium rate than competing insurance companies charge for the same thing.
Aaa
The premium on my insurance is around $150 a month, which I feel is fairly standard for car insurance in my area.