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.

Average Rate of Car Insurance in South Bend, IN, is $2,644

The average cost of auto insurance in South Bend, IN, is $2,644. Car owners here can improve save more by comparing multiple auto insurance quotes from different auto insurers. The cost of auto insurance depends on numerous factors ranging from the make and model of the vehicle to the driver’s age.

Demographics:

The cost of auto insurance depends on the driver’s age and gender. Women are generally considered to be safe drivers, making auto insurance cheaper for them. Auto insurance is the most affordable for drivers in their fifties and sixties at $983 and $997. Auto insurance is expensive for teenagers since they lack driving experience. The average cost of auto insurance for teenagers in South Bend is $3,618.

Credit Score:

A healthy credit score will also determine the cost of one’s auto insurance. Possessing an “exceptional” or “good” credit score will reduce the cost of auto insurance for car owners, while a “poor” credit score can lead to a substantial increase in auto insurance.

Deductible:

Deductibles are among the most common factors affecting the rate of auto insurance in the country, and South Bend is no different. A high deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase. The average cost of auto insurance on a low deductible ($500) is $1,614. This goes down to $1,363 when the deductible is higher ($1,000).

Driving Record:

The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on South Bend’s auto insurance cost. Post-DUI, the average cost of auto insurance increases to $1,725, from $1,115. 

Neighborhood:

The neighborhood one lives in South Bend can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the make and model of the vehicle and the rate of auto thefts in the neighborhood, the price can vary.  

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.

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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

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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

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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

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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

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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

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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

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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

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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

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