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 is home to 4.58 million drivers. However, 16% of drivers are uninsured. This puts Indiana at 15th for the most uninsured states. This is another reason you can’t afford to be without insurance no matter where your home is.
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. These are the top car insurance companies in South Bend that offer the most affordable car insurance for 2021.
South Bend’s best car insurance companies
To find the best cheap car insurance companies, we analyze things like coverage, price, discounts and resources. J.D. is an industry expert that we also consult. Power & Associates uses the most recent J.D. Power 2021 U.S. Auto Insurance Study – North Central. These are the top companies that offer South Bend car insurance at the lowest price.
Grange has a lower customer satisfaction rate than the average, but it offers incredible extras that can be customized to your policy. Drivers can add extras such as identity theft coverage and loan/lease gap coverage. They also have roadside assistance, rental car reimbursement, and original manufacturer coverage. Special coverage is available for those who own a boat, motorcycle, or RV. 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.
USAA is a highly rated provider of customer satisfaction. However, because it is the only insurance provider for active-duty military personnel, veterans, and eligible family members, USAA cannot be officially ranked with J.D. Power. USAA offers excellent mobile resources and accident forgiveness. This waives the surcharge on your auto policy if you are not involved in an accident for five years. You can also add roadside assistance, rental reimbursement and personal injury protection (PIP), to your existing coverage. USAA offers discounts based on driver behavior and vehicle type, along with loyalty savings and membership discounts for family members.
Auto-Owners, which has an above-average customer service rating, is another great provider of extended coverage. You can also get classic car insurance. Customizing your policy is easy with new car replacement, additional expenses, and diminished value coverage. Auto-Owners Personal Automobile Plus Package simplifies things. It bundles multiple add-on coverages into one 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.
Geico’s customer satisfaction rating in the North Central region is below average. However, it can still be a great option if you need multiple types of vehicle insurance such as auto, motorcycle, ATV and RV insurance. If you use a ride-sharing service such as Uber or Lyft, insurance can be found for collector cars. You can save money by looking for discounts for seniors, military and students, as well as special savings for federal employees or members of certain organizations.
Erie, which has more than 13,000 agents, is the most trusted provider of customer satisfaction. You can also get coverage for a personal accident liability policy and coverage for a relative borrowing your car. Erie’s Erie Auto Plus gives you more graduated coverage. Additional coverage options include personal item coverage, roadside and rental bundles, and pet coverage of up to $1,000 for your furry family members.
South Bend has the lowest car insurance
South Bend residents pay $378 annually for minimum liability coverage, $1,223 per year for full coverage. However, the average cost for car insurance in Indiana is $367 annually to get minimum coverage and $1.254 for complete coverage. The national average cost for car insurance in the United States is $565 annually for minimum coverage and $1,674 per year 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 consider the discounts available from the lowest-cost carriers, as well as financial strength, customer satisfaction, resources such online claims filing and mobile quotes.
Insurance requirements for South Bend
Driving without insurance can result in severe penalties. It is simply not worth it. All drivers in South Bend must carry a minimum amount of car insurance, which includes the following:
- $25,000 bodily injury coverage per individual
- $50,000 bodily liability coverage per accident
- $10,000 damage to property
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
- Property damage coverage for uninsured motorists: $25,000
- Bodily injury coverage for underinsured motorists: $50,000
These limits are a little lower than the minimum amount of required car insurance in other states. While you might not be required by law to have greater coverage, you can consider adding additional coverage to protect yourself in the event of a major 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.
South Bend offers car insurance discounts
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:
- Discounts on payments: Save money by paying in full, signing up for auto-pay or using paperless statements, or buying an advance quote when renewing early.
- Discounts for drivers: USAA is well-known for its low-cost military and veteran insurance. However, there are also discounts offered by other insurance companies such as senior, teen, and college student savings.
- Driving habits: If you’re a safe driver and have low mileage, or take a defensive driving course, your driving habits can save you money.
- Insurance Discounts: You can save money on your insurance if you have continuous insurance, no claims and multi-car policies.
Bundling multiple policies with an insurance company is a great way to save money on car insurance. 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. Bundling not only saves you money but also simplifies the management of your policy.
Questions frequently asked
Which is the best auto insurance company?
Different rates are used to determine which car insurance company is best for you. This includes your location, driving record, and the car you drive.
What is the cost of South Bend car insurance?
Insurance for South Bend is $378 per year for minimum liability, and $1,223 annually for full coverage.
What amount of South Bend car insurance do you need?
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.