South Bend, IN Car Insurance

The average cost for car insurance in South Bend is about $46 a month. To find out more check out our guide below.
Are rates in South Bend higher or lower than those in neighboring areas? How do they compare to the rest of Indiana? How much can residents of South Bend expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in South Bend?

Area Average Monthly Car Insurance Premium
South Bend$46
IN$51
United States$80

The cost of coverage in South Bend is about $5 a month cheaper than it is for the rest of Indiana.

Likewise, when compared to the national average, the cost for auto insurance in South Bend is lower. The average monthly payment for the United States as a whole is about $34 more expensive than in South Bend.

While these are the average car insurance rates for South Bend, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

But don't worry, we've broken down average rates for South Bend residents so that you can get a more accurate idea of what you might 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$72
25-34$41
35-44$39
45-54Not Enough Data
55-64$34
65+$41

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $31 more than drivers of retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may begin to increase again in South Bend.

Average Car Insurance Rates by Gender

Gender Average
Male$48
Female$43

Male drivers pay, on average. slightly more than female drivers for auto insurance. In South Bend, the difference is around $5 per month. As illustrated in the table above, male drivers in the area pay about $48 on average, while female drivers pay around $43 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$68
1 Ticket$120
Multiple Tickets$48

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in South Bend with a single accident on their record is about $63 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $120.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$43
4-5 Years$36
6-7 Years$46
8-10 Years$47
11-14 Years$46
15 Years or Older$48

According to the first table above, the cheapest vehicles to insure in South Bend are typically SUVs, at $43 per month.

Truck and van drivers will see rates of about $49 to insure their vehicle, while car owners usually pay around $46 a month.

Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In South Bend, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$47
Married$45
Divorced$41
Widowed$33

Generally, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

While married drivers normally pay less than single drivers, in South Bend both groups pay about the same rate.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$41
Rent$45
Live with parents$72

Another factor that comes into play is your housing status. If you rent your home or apartment in South Bend, expect to pay around $4 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in South Bend, IN

Recent trends in car insurance for South Bend drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In South Bend, the rates for auto insurance had been decreasing from 2016-2017, before steadying out in 2018. Insurance rates finished down in 2021, at $39 per month

How does South Bend compare to neighboring areas?

Why are car insurance rates in South Bend different from other areas?

There are many factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Many factors affecting your policy are based around where you live. These factors include things like:

  • Regional regulations
  • Frequency of car accidents
  • Availability of off-street parking
  • Number of drivers in the region
  • Regional crime rates

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing 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 corner of the world.

How can I find the cheapest car insurance in South Bend?

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

Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in South Bend.

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South Bend Insurance FAQs

What factors affect car insurance quotes in South Bend?

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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

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

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to South Bend?

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 time, regardless of how long is left on your current policy. So, if you've recently moved to South Bend or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes