Car insurance in South Bend is not only cheaper than the average cost of car insurance in Indiana but the country too. South Bend drivers pay an average of $378 per year for minimum liability coverage and $1,223 for full coverage, while the national average cost of car insurance in the U.S. is $1,674 per year for the average full coverage policy.
Indiana has about 4.58 million licensed drivers in the state, but about 16% are underinsured, putting Indiana in 15th place for most uninsured drivers in the country. It is just another reason why you cannot afford to go without insurance, no matter where you live.
To find the cheapest car insurance in Indiana and, more specifically, South Bend, we consider a number of factors, including the latest data on 2021 rates, facts and figures. Based on our ongoing, in-depth analysis, these are the best car insurance companies for the best cheap car insurance in South Bend for 2022.
Best car insurance companies in South Bend
To find the best cheap car insurance companies, we analyze things like coverage, price, discounts and resources. We also look to industry experts like J.D. Power & Associates for customer satisfaction, using rankings from the latest J.D. Power 2021 U.S. Auto Insurance Study for the North Central region. Based on these factors, these are the best companies for the cheapest car insurance in South Bend.
|Insurance company||J.D. Power customer satisfaction score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Grange||826 / 1000||$249||$801|
|USAA||895 / 1000||$262||$871|
|Auto-Owners||842 / 1000||$300||$1,051|
|Geico||837 / 1000||$308||$1,073|
|Erie||857 / 1000||$319||$986|
Although Grange rates below-average for customer satisfaction, it still gives you phenomenal extras to help you truly customize your policy. Drivers have the option to add on extras like identity theft coverage, loan/lease gap insurance, roadside assistance, full glass repair, rental car reimbursement, and original equipment manufacturer coverage. If you have a boat, RV or motorcycle, there is specialty coverage. Grange even has additional coverage for pet insurance, cell phone insurance and umbrella insurance. To help you afford these additional coverages, Grange offers its own exclusive OnTrack discount, which uses telematics to track your driving and reward safe driving practices.
Learn more: Grange Insurance Review
USAA is a top-rated provider for customer satisfaction but since it is an exclusive insurance provider for active duty military, veterans and their eligible family members, it is not eligible for official ranking with J.D. Power. In addition to excellent mobile resources, USAA extends accident forgiveness that waives the auto policy surcharge when you are accident-free for five years. There is also the option to supplement your coverage with roadside assistance, rental reimbursement, personal injury protection (PIP) and extended benefits coverage. To help you save, USAA offers discounts for driver behavior and the type of vehicle you have, as well as membership discounts for family members and loyalty savings.
Learn more: USAA Insurance Review
With above-average customer satisfaction, Auto-Owners is another excellent provider for extended coverage. There is also classic car insurance, as well as coverage for converted or modified vehicles. Customizing your policy is easy with new car replacement, additional expenses, and diminished value coverage. To simplify things, you can opt for Auto-Owners’ Personal Automobile Plus Package, which bundles multiple add-on protections into one simple, affordable package. Regardless, Auto-Owners car insurance includes its collision coverage advantage and a common loss deductible when both of your Auto-Owners homeowners and auto insurance policies experience a loss.
Learn more: Auto-Owners Insurance Review
Geico receives just below average for customer satisfaction in the North Central region, but it can be a great choice when you need several types of vehicle insurance, including auto, motorcycle, ATV, RV, boat and commercial auto insurance. You can also find insurance for collector cars, as well as roadside and rental coverage and rideshare insurance when you drive for a service like Uber or Lyft. To help you save, explore excellent discounts for seniors, military, and students with special savings for federal employees and members of certain organizations.
Learn more: Geico Insurance Review
Aside from USAA, Erie is the leading provider for customer satisfaction, with more than 13,000 agents to help with your policy. Coverage can include a personal catastrophe liability policy, plus coverage when a relative borrows your car. You can add auto glass repair, locksmith services, and Erie’s signature Erie Auto Plus, which gives you additional graduated coverage over time. Other unique coverage features include personal item coverage, a roadside and rental bundle, and pet coverage up to $1,000 for the furry members of your household.
Learn more: Erie Insurance Review
Cheapest car insurance in South Bend
While South Bend residents pay $378 per year for minimum liability coverage and $1,223 for full coverage, the average cost of car insurance in Indiana is $367 annually for minimum coverage and $1,254 for full coverage. In contrast, the national average cost of car insurance in the U.S. is $565 per year for minimum liability and $1,674 for full coverage.
To find the cheapest car insurance rates, we consider far more than simply the average premium, looking to the largest car insurance companies by market share. We also consider what discounts are available from the cheapest carriers while weighing financial strength, customer satisfaction, and resources like online quotes and mobile claims filing.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
South Bend insurance requirements
Driving without insurance in Indiana can carry severe penalties, and it simply isn’t worth the risk. All drivers in South Bend must carry a minimum amount of car insurance, which includes the following:
- $25,000 of bodily injury coverage per person
- $50,000 of bodily liability coverage per accident
- $10,000 property damage
Unless you reject it in writing, Indiana also requires drivers to carry uninsured/underinsured motorist coverage with the following limits:
- Uninsured motorist bodily injury liability coverage: $25,000/$50,000
- Uninsured motorist property damage coverage: $25,000
- Underinsured motorist bodily injury liability coverage: $50,000
These limits are a little lower than the minimum amount of required car insurance in other states. Although you may not be required to carry greater coverage, consider what additional coverage can protect you should you ever experience a significant loss. If you finance or lease a vehicle, you may be required to carry a specific amount of coverage to satisfy the terms of your loan.
Car insurance discounts in South Bend
There are many car insurance discounts that you can use to save money on your car insurance policy. Before you purchase your auto insurance policy, be sure to ask your carrier about how to lower your car insurance using discounts such as these:
- Payment discounts: You can save money when you pay in full, sign up for auto-pay, use paperless statements or buy an advance quote when you renew early.
- Driver discounts: USAA is known for its cheap military and veteran insurance, but there are other discounts available from insurance companies like senior, teen and college student savings.
- Driving habits: Your driving habits could save you money if you are a safe driver, have low mileage or complete a defensive driving course.
- Insurance discounts: Save money on your policy when you have continuous insurance, are claims-free or have multi-car policies.
An easy way to save money on your car insurance is to bundle multiple policies with your insurance company. You can save money not only when you bundle home and auto insurance, but there are also other bundle discounts for homeowners, condo, renters, and life insurance. Not only does it save you money, but bundling can also simplify the overall management of your policy.
Frequently asked questions
What is the best car insurance company?
How much does car insurance in South Bend cost?
The average South Bend car insurance costs $378 annually for minimum liability and $1,223 for full coverage.
How much car insurance do I need in South Bend?
Indiana car insurance laws mandate that all drivers must carry a minimum amount of car insurance, which includes $25,000/$50,000/$25,000 coverage.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.