Mishawaka, IN Car Insurance

On average, Mishawaka drivers pay around $43 a month for their car insurance. To learn more about policy rates and coverage in the Mishawaka area, continue reading our guide below.
What rates should residents of Mishawaka expect to pay for their car insurance? Are rates in Mishawaka higher or lower than those in neighboring areas? How do they compare to the rest of Indiana? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Mishawaka?

Area Average Monthly Car Insurance Premium
Mishawaka$43
IN$51
United States$80

The cost of coverage in Mishawaka is about $8 a month cheaper than it is for the rest of Indiana.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Mishawaka is rather affordable. On average, it's about $37 less to insure your vehicle in Mishawaka than it is in the rest of the United States.

While these numbers represent the average monthly payments for coverage in Mishawaka, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Mishawaka and broken down the different factors to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$66
25-34$41
35-44$38
45-54Not Enough Data
55-64$35
65+$28

It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $38 more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Mishawaka drivers may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$46
Female$41

Female drivers pay, on average, slightly less than their male counterparts. The difference in Mishawaka is about $5 per month. As illustrated in the table above, female drivers in the area pay about $41 on average, while male drivers pay around $46 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$62
Multiple Accidents$73
1 TicketNot Enough Data
Multiple Tickets$75

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Mishawaka, a driving record with a single accident will usually get you a rate around $62 a month.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$42
4-5 Years$48
6-7 Years$44
8-10 Years$47
11-14 Years$40
15 Years or Older$43

In Mishawaka, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $39 per month for insurance coverage.

Car owners will see a monthly bill of about $41, while SUV owners usually pay around $47 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Mishawaka, the most expensive vehicles to insure are vehicles four-to-five years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$46
Married$38
Divorced$35
Widowed$31

More often than not, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Mishawaka is no exception, with the difference totaling to around $8 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$38
Rent$44
Live with parents$79

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $6 a month more than those who own their own home in Mishawaka. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Mishawaka, IN

Recent trends in car insurance for Mishawaka drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The cost of car insurance coverage in Mishawaka declined from 2016-2018, before steadying out in 2019. Car insurance rates finished up in 2021, at $44 per month

How does Mishawaka compare to neighboring areas?

Why are car insurance rates in Mishawaka different from other areas?

Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Frequency of car accidents
  • Local crime rates
  • Total number of drivers
  • Area laws
  • Availability of off-street parking

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Mishawaka?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer plans in Mishawaka.

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Mishawaka Insurance FAQs

What factors affect car insurance quotes in Mishawaka?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Mishawaka different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Mishawaka?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Mishawaka?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Mishawaka or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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